# Problems **HIGH VOLATILITY** Other cryptocurrencies like Bitcoin , Etherum , Ripple , Binance and many others are highly volatile which leads to unexpected changes in the market sentiment and sudden moves in price Factors such as decentralization , lack of investor confidence , limited oversight , absence of central authorities and many other factors make most of the other cryptocurrencies highly volatile . **CONVERTIBILITY** Convertibility between fiat and cryptocurrencies is another major issue that the other currencies deal with . People use this coin as an alternative to fiat currencies and due to its notable exchange options that utilize the token such as Binance , Coinbase , Bitfinex , Poloniex , OKEx . Tether is fully backed 1 : 1 by deposits of US dollars held at banks . It utilizes the Omni layer on Bitcoin to represent USDT tokens . --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://adverb-io.gitbook.io/adverbcoin.io-whitepaper/problems.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.