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Financial pundits the world over, more comfortable in dealing in tangible commodities and assets, have described the cryptocurrency scene as too volatile to risk long-term investment. Whether you agree with them or not, it’s hard not to see why they should reach such a conclusion. Almost all of the large financial and commercial institutions have taken a pass when it comes to utilising Bitcoin or its competitors in anything but the most experimental test markets. So much so that when Banco Santander recently announced its roll-out of an altcoin powered money transfer application, it was big news.