Both the foreign exchange and virtual currency markets are viral in nature, yet the flow virtual currencies between customers is exclusive to the virtual domain. Granted the many benefits provided by blockchain technology, virtual currencies will begin to overtake their represented fiat counterparts as the preferred form of payment. This is mainly due to benefits like seamless peer-to-peer transactions, immutability, verifiable history, and the emergence of trustless ecosystems. Once this happens, fiat currencies will change from being a means of payment to being a means of collateral.