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Crypto, Blockchain, ICO, AI, New Tech. This is a new digital era. A couple of years ago, no one could have predicted how events could unfold in the digital world when bitcoin, the first ever crypto-currency, was first released (Jan 2009). As of 2019, you can now start your own ICO (initial crypto offering) in order to start forming even your own cryptocurrency. All Cryptocurrencies caused a shock in the financial markets. However, their value is still severely unstable and unpredictable. They can increase in value very rapidly but can decrease just as fast. Our prediction is that crypto-currencies might not replace real currencies but they will be inevitably considerable in some cases.