Kryptowährung als Zahlungsmittel der Zukunft? Die dauerhafte Ablösung von Fiat-Währungen
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Studienarbeit aus dem Jahr 2023 im Fachbereich Informatik - Kryptowährungen, Note: 1,3, DIPLOMA Fachhochschule Nordhessen; Zentrale, Sprache: Deutsch, Abstract: Ziel dieser Hausarbeit ist es, die grundlegenden Funktionen von Kryptowährungen zu erläutern und das System der Kryptowährung zu verstehen. Dies wird anhand des Bitcoins betrachtet. Die Forschungsfrage lautet: Kann eine digitale Währung, in Form von Kryptowährungen, die Fiat-Währungen dauerhaft ablösen? Die Geschichte der Kryptowährung beginnt im Jahr 2008. Erfunden wurde die erste Kryptowährung, der Bitcoin, von einer unbekannten Gruppe oder einer einzelnen Person. Im Internet veröffentlichte die Gruppe oder die Person unter dem Pseudonym Satoshi Nakamoto das Bitcoin-White-Paper. In dem White-Paper wird erklärt, wie mittels eines Peer-to-Peer-Netzwerks, online Transaktionen ohne die Einbindung eines Finanzinstituts, getätigt werden können. Mittlerweile gibt es viele unterschiedliche Kryptowährungen. Neben Bitcoins (323,17 Mrd. US-Dollar Marktkapitalisierung) gibt es unter anderem Ethereum (146,95 Mrd.) oder Tether (65,97 Mrd.), die zusammen, zu den bekanntesten Kryptowährungen zählen. Diese sind hoch spekulativ und durchlaufen gro e Marktschwankungen. Gehandelt werden Kryptowährungen an vielen unterschiedlichen Krypto-Börsen wie z.B. Etoro oder Coinbase, die zu den bekanntesten Handelsplattformen gelten. Diese unterscheiden sich im Wesentlichen an der Anzahl der zu handelten Kryptos, die Zahlungsmethode und die aufkommenden Gebühren. Die Summe der zu handelten Bitcoins ist auf 21 Millionen Stück limitiert und wird voraussichtlich im Jahr 2140 "abgebaut" werden. Im Vergleich zu den Fiat-Währungen, laufen Transaktionen mittels einer Kryptowährung rein digital und dezentral ab. Die dezentralen Börsen unterscheiden sich von zentralen Börsen durch vollständige Anonymität gegenüber Banken oder Staaten, aber auch durch die Transparenz der Transaktionen und niedrige Provisionen. Darüber hinaus tragen dezentrale
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