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<\/p>\nThe Internal Revenue Service (IRS) describes Virtual Currencies (VCs) as “a digital representation of value that functions as a medium of exchange, a unit of account, and\/or a store of value [and] does not have legal tender status in any jurisdiction.”[4] Although, electronic payment systems have been part of American life since at least 1871 when Western Union “introduced money transfer” through the telegraph[5] and in 1914 “introduced the first consumer charge-card”, virtual currencies differ from these digital payment structures because unlike traditional digital transfers of value, virtual currencies do not represent a claim on value; rather the virtual currency are the value.[citation needed]

The National Automated Clearing House Association (NACHA), through the Automated Clearing House (ACH) moves almost $39 trillion and 22 billion electronic financial transactions each year.[6] These electronic transfers of money through the ACH Network represent a claim to physical legal tender. Alternatively, “unlike electronic money, a VC, particularly in its decentralised variant, does not represent a claim on the issuer.” (\u5f15\u6587<\/a>)<\/cite><\/blockquote>\n\n\n\n

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