Is cryptocurrency an asset or a payment method?

Cryptocurrencies have become an important element of the financial ecosystem, sparking heated debates about their role. On one hand, they are viewed as assets for investment, with potentially high returns and the ability to diversify portfolios. On the other hand, many see cryptocurrencies as effective means of payment, especially in times of global financial instability. Currently, both approaches are valid, but it is important to note that cryptocurrencies still experience volatility and are regulated differently in various countries. Ultimately, whether a cryptocurrency is considered an asset or a payment method depends on its further adoption and regulation at the global level.