“Wait, I forgot my digital wallet,” is not one of the dangers associated with bitcoin. (It would reside on your device of choice.)

In fact, it seems, every few weeks or so there is a major company speaking to the virtues of the emerging cryptocurrency market – and touting its future.

Citi – you know, the investment bank and cash cow collecting interest from millions today – now believes bitcoin could become a rival for the dollar as a tool for international commerce.

Tesla and PayPal already have put their names to the idea and central banks have recently begun looking into creating digital money of their own.

As millions who have money in the stock market are well aware, bitcoin has seen its fame explode, its value reaching a recent record high of $58,354 and a $1 trillion market capitalization before investors took a small sip of reality.

On Monday, it was at $48,907 just after noon ET.

“There are a host of risks and obstacles that stand in the way of Bitcoin progress,” Citi’s global perspectives and solutions team wrote published by multiple media outlets on Monday.

“Bitcoin’s future is thus still uncertain, but developments in the near term are likely to prove decisive as the currency balances at the tipping point of mainstream acceptance or a speculative implosion.”

There is no current consensus among market experts regarding bitcoin, given its volatility and inherent issues with convenience and fees.

While Citi’s team believes it’s possible bitcoin will produce a “massive transformation” into the mainstream, even the U.S. investment bank’s agenda is not clear.

Maybe Citi just isn’t sure, either.

Among its comments was the endorsement/non-endorsement that bitcoin could become the preferred currency for international trade down the road — or face a “speculative implosion.”

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