The why of Cryptomafia Crypto Currencies: 

No central bank forsure but just understand that USA Banking Crisis and Free Trade of Resources to America by Factions of India move hand in hand. 

So USAINDIANS created a system that was already existing namely PayPal - and turned it into a game so Recession is double impact to India. Health and Wealth. The only saving grace is UPI of India for India by India.

United Payments Interface. 

If UPI is not accepted by any one nation - Cryptos to takeover shielding America of all financial crimes of THE USA DOLLAR starting with TRADE and Computing to name a few.