Investing in crypto-assets is highly speculative. The market value can fluctuate a lot over short periods of time. It is affected by things like media hype and investor opinion. Bitcoins are discovered by way of ‘mining’.&; It is thought that the currency is limited at 21 million Bitcoins.&; Since 2009, 12 million Bitcoins have been discovered and are in circulation, through mining. That's part of the reason why Biden's economic advisors recommended that Congress pass legislation that limits stablecoin issuance to see here insured banks. If done, the move would give U.S. regulators more jurisdiction over the industry, which would ultimately make stablecoins more viable, they argue. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.