FINANCIAL LITERACY IN THE AGE OF CRYPTOCURRENCIES: CHALLENGES AND OPPORTUNITIES

Abstract

This paper explores the evolving role of financial literacy in the context of cryptocurrencies, highlighting key challenges such as market volatility, security risks, and regulatory uncertainty. It also discusses the opportunities that decentralized finance (DeFi), portfolio diversification, and accessible educational resources present for improving financial literacy. The paper emphasizes the need for traditional financial education to adapt to the complexities of digital assets and decentralized systems. Recommendations include integrating cryptocurrency knowledge into curricula and promoting risk management strategies. Future research should focus on regulatory frameworks and the impact of DeFi on financial inclusion.