There is virtually no difference between what makes up the digital vision of the USD(known as USDT-) and what backs up cryptocurrency(They are both complicated algorithms comprised of supercomputers equating value). The primary difference is that cryptocurrencies are not government or backed by central banking also known as fiat currency. These markets are self created and self regulated(some being more reputable than others). Bitcoin is expected to hit between 50,000-100,000 by late 2021. I think its going to be more like late 2019.