(NewsNation) — Cryptocurrency has continued to become more mainstream, leading business owners and customers to ask themselves: Should we use this tool?

One in five Americans owns cryptocurrency, according to the National Cryptocurrency Association.

However, 63% of Americans say they have little to no confidence in the reliability and safety of cryptocurrency for investing and trading, according to a Pew Research Center poll.

When weighing the risks and benefits of using cryptocurrency for payments, here's what some people should take into account:

Risks of cryptocurrency as payment

The U.S. Chamber of Commerce says that once a cryptocurrency payment is completed, it is permanent.

Transactions can be refunded only by the party receiving the funds," writes Inc.com. "Businesses that ac

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