Yep, they have both.
But they are now very much here to stay and there's no point in regulators sticking their head in the sand and trying to ignore them.
The entire financial system is about to change.
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That's true. It will be interesting to see the how the regulation ecosystem move forward with crypto projects. Governments are trying to regulate stable coins as it is directly interfering with their national currencies. Once they have regulations for stable coins, they will definitely focus on privacy coins. The system is about the change big time.