What are the main differences with Virtual Currency compared with a Central Bank backed Currency? (SELECT 2)

What are the main differences with Virtual Currency compared with a Central Bank backed Currency? (SELECT 2)
A . Virtual Currency uses peer-to-peer technology to facilitate payments
B. Virtual Currency can be used for financial crime, whilst Central Bank backed currency cannot.
C. Virtual Currency is not backed by a Central Government.
D. Virtual Currency is regulated, whilst banking is not.

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Answer: A,C