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Introduction Cryptocurrency is a unit created as a universal payment instrument based on computer encryption protocol and not controlled by third parties, such as governments and central banks. Decentralization is an essential sign of cryptocurrency. Token is a payment unit created as a payment instrument inside infrastructure environment of the company, with partially or fully centralized device. Tokens can be secured and unsecured. Below, we will return to this issue. Sometimes tokens are compared to stocks of traditional companies. Problem of the crypto market The lightning-fast growth of the capitalization of the young crypto market to a value over 800 billion USD was replaced by a tendency of a long fall to values below 200 billion USD. The total cost of crypto assets decreased by 75%. Some assets have lost up to 90% of the value, and some are excluded from list of exchanges. During the fall of the market, investors lost about 600 billion USD of their crypto assets. In a

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