Why is Digital Currency not a crypto currency?

With the advancement in technology, digitalisation is observed in every field and is also accepted as a mode of payment. We are all aware of cryptocurrency and its value in the market. Similarly, we have a digital currency that has also gained popularity as a mode of transaction. What is Digital Currency? Digital currency is referred to as an intangible form of currency that is digitally available and can only be owned by using electronic wallets or computers. Just like any tangible note, digital currency is accepted in exchange for any goods or services but its use is restricted among certain online communities, like gambling portals or social networks. But the question is, whether digital currency and cryptocurrency the same? No, all crypto might be a digital currency but the reverse is not true. There are some main differences between them. The regulation of digital currencies is done by federal banks of the country. Whereas cryptocurrencies are decentralised this means that there is no regulatory body that is tracking the currency. Just because the cryptocurrency is decentralised, it does not fall under any legal framework which is why any regulatory body cannot track any type of transactions made. Whereas, central authorities govern the entire functioning of digital currencies. Any suspicious transaction using digital currency will be questioned. Cryptocurrency is an end to end encrypted because it is mined using Blockchain Technology but encryption seems to be impossible in terms of digital currency. This is because you need to create a digital account to store and use it which requires your details. When talking about transparency, digital currency is more secured as the transaction details are strictly confidential but it is not the case of crypto. Cryptocurrency is widely transparent as the transactions made can be accessed from the directory which is entirely processed under the blockchain. Digital and cryptocurrencies are both considered important step towards the digital world. Countries including China, Singapore, Ecuador, and Tunisia have launched their cryptocurrency and soon they will be joined by Japan, Russia and Sweden. The Reserve Bank of India (RBI) imposed a ban on all types of cryptocurrency in the recent budget session. A bill was proposed which mentions the launch of personalised digital currency. According to the reports, the upcoming currency will use a private blockchain platform which will increase the efficiency of the transaction settlement process. This currency will be allowed to be regulated by central banks- says the RBI.