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@article{190463,
        author = {Dr. Tina Singh},
        title = {Cryptocurrency Adoption and Financial Stability: Risks, Opportunities, and Policy Implications},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {3819-3826},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=190463},
        abstract = {Cryptocurrencies have transformed global finance by introducing decentralised digital assets that operate outside traditional monetary systems. Their rapid adoption has generated significant interest among individuals, institutions, and policymakers. However, the emergence of digital currencies raises critical questions about financial stability, regulatory adequacy, systemic risk, and macroeconomic impacts. This paper examines the drivers of cryptocurrency adoption, the associated financial stability concerns, empirical evidence of systemic impacts, regulatory responses, and policy recommendations for mitigating risks while harnessing innovation globally. The analysis synthesizes existing literature and proposes a strategic framework for integrating cryptocurrencies into the financial ecosystem without undermining economic resilience.},
        keywords = {Cryptocurrency adoption, financial stability, systemic risk, regulation, decentralization, blockchain},
        month = {January},
        }