Cryptocurrency is a digital form of currency that operates on a technology called blockchain.Key features of cryptocurrencies include decentralization, security through cryptography, and lower transaction costs.Popular cryptocurrencies include Bitcoin, Ethereum, Litecoin, Ripple, and stablecoins.Benefits of cryptocurrencies include decentralization, security, lower transaction costs, global accessibility, and potential for high returns.Challenges associated with cryptocurrencies include volatility, regulatory uncertainty, security concerns, and scams/fraud.