Given that cryptocurrencies are going through a minor recovery of sorts, it is time to have an update on cryptocurrency investing.

April 2018 is a very fortunate month for folks who are interested in this asset class. This is because Barclays Bank has devoted most of their Equity Gilt Study 2018 report to technological disruption and cryptocurrencies. While I do not have the actual report, the Economist has summarised what it had to say about the state of cryptocurrency investment world.

The basic gist of the study is that cryptocurrencies have peaked. There will no longer be another upside like what the luckier millennial investors have just enjoyed. The reality that this investment class does not produce a dividend is now sinking in.

Cryptocurrencies also face four challenges :

a) There is a lack of trust in cryptocurrencies. 

Generally speaking, people trust currencies backed by government.

b) Cryptocurrencies lack …