Banks intend to create their own Cryptomoneda as they see that despite being volatile they tend to offer large rewards, an example is Santander along with 5 other entities (such as banks, Start-ups, market operators. As they see it is a key to the future as it will facilitate payments efficiently quickly and safely. Although this currency will not be on sale to individuals, the currency is called "Utility Settlement coin" (USC) with the same technology as the other cryptomonedas The only exception is that bitcoin is not backed by a central bank, only by users and the currency (USC) will be regulated by the institutions that are created. Just like bitcoin uses Block chain technology. The currency will be in an accounting register distributed among a large number of financial institutions. This currency will comply with all ECB requirements. The currency may be exchanged for its corresponding currency, which means that it may be changed as if it were another real currency such as the euro or the dollar. They still do not set dates to use it since it finds in a phase that details must be specified and a protocol with central bank