Crypto coins solves several problems that traditional money has.

• Digital Money can't be physically stolen (you can still get hacked, but we cover that here)
• Easier to Buy/Sell
• No middle men, such as banks and credit card companies
• New systems of exchange

Digital Currency is made using a new technology called Blockchain.

• Blockchain allows you to directly send and receive money by having a copy of the transactions, called a ledger, on a bunch of computers.
• An individual computer on this network can't change/hack the ledger, since the other computers would recognize any changes as false data.
• Blockchain has a lot of applications beyond currency which you can read about here (IBM).

Crypto is Still Brand New

• The US Government is currently debating the regulations and laws that will ultimately make or break this technology's success.
• Also consider, every single currency is a speculative investment that requires research.