Time is the most valuable resource in the universe. Despite the testing times in 2020, despite every setback and loss, we're coming back on track much stronger, with all the invaluable lessons that this time has given us. It has been a great year for cryptocurrencies, not in the least for the king, Bitcoin. Bitcoin has grown more than 300% in 2020 alone. The philosophical questions around what constitutes a currency, and whether it can be considered an investment linger on, and so do legal questions around it as in the case of XRP , but for a lot of people it has been a valuable asset to own. Key drivers have been an established institutional interest as well as a baseline retail base that refuses to go away. We're currently seeing developments not just in the crypto investment and trading universe but also the wider DeFi ecosystem being built around cryptocurrencies and blockchain. Derivatives are now commonplace, and so are lending and payments. We're also seeing new and...