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BITCOIN WTF...??? TARGETS AND WHAT TO LOOK FORUnlike fiat currency, most crypto is entirely decentralized and operates peer-to-peer without any intermediary. Some cryptocurrencies operate on private ledger. Crypto currencies are decentralized, unlike paper money which is centralized and controlled by the Central Bank. The bank can manipulate the paper money and. Some bitcoin proponents view the cryptocurrency as a hedge against inflation because the supply is permanently fixed, unlike those of fiat currencies, which.