The IMF and the World Bank have jointly launched "Learning Coin," which many refer to as a quasi-cryptocurrency. It will only be accessible within the two organizations and has no monetary value. Instead of serving as an actual cryptocurrency, the "Learning Coin" is designed to help its users better understand the technology behind digital assets. Nevertheless, some expect the IMF and the World Bank to utilize blockchain technology in real applications after their test run, such as smart contracts.  There may be some obstacles, though, as large companies, such as Accenture, are occupying the smart contracts space.