摘要:本研究旨在介绍区块链技术和数字货币的概念,因为区块链技术是数字货币运行的技术结构,使用描述性方法和分析方法来解决提出的问题。The study concluded that blockchain technology paves the way for the emergence of the second generation of the Internet, which will turn into a network of trust that allows the exchange of information with higher privacy and allows commercial and financial exchanges without the need for intermediary institutions that guarantee this, and It was able to solve many challenges including payment processing, manual settlement of several thousand financial transactions, payment and account management and online market trading Keywords : Blockchain,加密货币,加密,银行,金融。