Money is clearly a primary need of every human being that cannot be avoided, human needs can be realized by using money. Seeing from the lack of systematic literature review papers discussing cryptocurrency, this is a challenge as well as the main purpose of this paper. Along with the development of modernization and globalization which has now entered the industrial era 4.0 revolution there is a blockchain based technology, Cryptocurrency. Cryptocurrency is one of the developments of the blockchain that is often used as a decentralized digital currency. The word Cryptocurrency means a virtual currency that has no physical form, and Cryptocurrency also means that the transaction currency cannot be seen and is safe. This digital currency has many types such as Bitcoin, Ethereum, Litecoin, Monero, and many other types. Although it has no physical form, this currency functions the same as conventional currencies in general and has an exchange rate. Exchange rates on Cryptocurrency fluctuate which means unexpected, this is often exploited by traders. Cryptocurrency transactions in the form of forwarding from one individual to another individual online, therefore they deal directly without a third party. Every technology has advantages and disadvantages aside from efficiency and convenience, Cryptocurrency has the disadvantage of not having the authority responsible for dealing with all problems that occur in all transactions, and money laundering crimes also often occur, this is a challenge for how to utilize Cryptocurrency and blockchain technology in the current era of globalization.

Today, higher education presents challenges in terms of educational and industrial collaboration. Both theoretical and practical, formal and informal are also part of the application of blockchain in education. Moreover, the assessment is still quite difficult to do to measure the skill level of students so that they can compete for jobs in the future With the problem of the academic curriculum that still uses writing media on paper, problems often arise regarding the validity of reliable document validation. So it is necessary to compare the knowledge obtained to match their abilities. From these problems, the goal was created to improve the higher education curriculum in order to find a revolutionary solution for document validation beliefs.  Evaluation of the iLearning learning system combined with blockchain technology (ledger) has the benefit of being able to support these problems.  By using Blockchain technology, a new learning model innovation is created in the form of the SCi-B (Student-Centered iLearning Blockchain) framework. SCi-B is a new innovation in the learning model where all activities use Blockchain so that its existence is able to manage and store all transactions, competencies, and teaching that can provide intensive assessments through digital certificates for the academic world and the world of work. So that SCi-B has a significant impact on the confidence in the results that have been obtained.  This paper aims to answer the challenges of the world of education which is currently getting wider, more open, and everywhere. The model in the SCi-B framework of this paper can be used for all training institutions because this model can adapt to the specific professional needs of the job sector. This model has been validated by the existence of a web application whose use is very satisfying.

Disintermediation of the travel industry in the modern area has the most powerful and successful innovation, obviously with the assistance of Blockchain innovation. The market structure has changed since the appearance of online travel planners. Determined to improve the system for the travel industry that as of now depends on this blockchain innovation, for which the reason for this paper was made, a subjective strategy with semi-organized meetings appears to be appropriate to decide the ideal use to draw out the fundamental capability of this blockchain innovation for the business. the travel industry as per specialists. From the consequences of meetings led just as from the aftereffects of considering the impact of blockchain on business, it tends to be inferred that blockchain innovation is a fitting new advance as far as restricting and forbidding new go betweens in the entrance of the travel industry, subsequently it will prompt the vanishing of go-betweens from the travel industry market and an increment in the framework straightforward that everybody knows.

Smart education in universities can be realized with a comprehensive use of IT infrastructure, various systems that are implemented to run this can take priority of the cloud computing and Internet of Things (IoT) and. Resulting in the need for connectivity into IoT gateways and nodes, as well as implementing an architecture that does not only rely on communication coverage via wireless, but needs to reduce energy consumption in order to save IoT node batteries to maximize performance. The use of such an architecture must prioritize blockchain technology that can provide security, accountability, and data transparency that can be managed by universities. This article discusses the key to early adoption of technology that can develop smart learning with smart learning. After the characteristics of the smart education or university are determined, then the details of the latest communication technologies that are most relevant to the smart education application can be analyzed. In addition, higher education requires learning about the use of blockchain. Therefore, this article will provide useful pointers in planning smart education development, as well as responsible and intelligent developers in the next generation.

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