How Are Digital Currencies Priced? Key Risk Factors Explained

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Introduction

The cryptocurrency market, known for its volatility and speculative assets like Dogecoin, has evolved into a significant financial ecosystem. Despite its risks, understanding the valuation mechanisms and risk factors of cryptocurrencies remains essential. This article explores the empirical pricing models adapted for digital assets, focusing on a three-factor framework that explains cross-sectional returns in crypto markets.

Core Determinants of Cryptocurrency Valuation

1. Market Capitalization (MCAP)

2. Momentum (MOM)

3. Trading Volume (VOL)


Cryptocurrency Three-Factor Model

Inspired by traditional asset pricing models (e.g., Fama-French), the study proposes:

| Factor | Construction | Key Insight |
|--------------|---------------------------------------|--------------------------------------|
| CMKT | Market-cap-weighted excess returns | Captures broad market trends |
| CSMB | Small vs. large cap returns (B–S) | Highlights liquidity/volatility effects |
| CMOM | Past 3-week momentum (H–L) | Tracks investor attention cycles |

Performance Metrics:


Risk Factors and Market Anomalies

Liquidity Constraints

Investor Attention

Traditional vs. Crypto Factors


FAQs

Q1: Why do small-cap cryptocurrencies outperform?

Q2: How long does momentum persist in crypto markets?

Q3: Can traditional stock factors predict crypto returns?


Conclusion

This three-factor model provides a foundation for cryptocurrency valuation, akin to Fama-French’s role in equities. Future research may uncover additional anomalies as the market matures.

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