When you exchange coins physically, the payment method is ... your hands. > bank credit has more recently become treated as currency A bank credit is not a cu

When you exchange coins physically, the payment method is ... your hands. > bank credit has more recently become treated as currency A bank credit is not a currency. The thing it is denominated into (EUR, USD, BTC...) is. > And of course the reason bank credit has more recently become treated as currency (sic) and accepted as electronic payment I think the real reason is that people had little to no choice in that regard.