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Cryptocurrencies wouldn’t work without blockchain, a relatively new technology that performs the old-fashioned function of maintaining a ledger of time-ordered transactions. What’s different from pen-and-paper records is that the ledger is shared on computers all around the world. Blockchain has to take on another task not needed in a world of physical money — making sure that no one is able to spend a cryptocurrency token more than once by manipulating the digital ledger. Blockchains operate without a central guardian, such as a bank, in charge of the ledger: Both proof-of-work and proof-of-stake systems rely on group action to order and safeguard a blockchain’s sequential record. Requires App Version 3.50 iOS/Android or later. “This decision by the SEC may impact any cryptocurrency exchange that uses pooled staking but will not affect validators or services that allow users to stake to the protocol directly,” said Boyko-Romanovsky in an email to MarketWatch.