A B S T R A C T

The purpose of the research - is to determine the role of cryptocurrencies (such as Bitcoin, Ethereum, and stablecoins) in innovative financial strategies, and to analyze their integration opportunities and risks within traditional financial systems. The research identifies both theoretical and practical effects of the crypto market on financial decision-making, capital management, and investment models.

The methodology of the research - analytical and comparative methods were applied in the study. The data base includes reports from international financial organizations (IMF, World Bank), crypto market platforms (CoinMarketCap, Binance Research), and official publications of national financial institutions. Statistical analysis, graphical modeling, and synthesis of scientific literature formed the methodological foundation of the research.

 The practical importance of the research - the findings can be applied in the digitalization of public financial policy, legal regulation of crypto assets, and the development of innovative investment strategies.The results are also useful for financial institutions, startups and investors in terms of risk management and improving profitability.

 The results of the research - the study reveals that cryptocurrencies, in addition to serving as a source of liquidity in financial markets, have become a driving force of digital transformation. Their application increases the speed of capital flows, reduces transaction costs, and enhances financial inclusion. However, high price volatility and regulatory uncertainty remain major risk factors affecting system stability.

The originality and scientific novelty of the research - this study is distinguished by its comprehensive analysis of cryptocurrencies not merely as alternative payment instruments but as strategic tools in shaping innovative financial strategies. The results contribute to the identification of new scientific directions for the digital adaptation of national financial systems.

Keywords: cryptocurrency, innovative financial strategies, digital economy, blockchain technology, financial innovations, digital transformation, smart contracts.
 

http://doi.org/10.59610/bbu4.2025.4.5