<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31309663</termId><termName>cryptocurrencies</termName><termType>PT</termType><termNote><![CDATA[ Digital currencies operating independently of central banks, using encryption techniques to regulate the generation of units of currency and verify the transfer of funds. ]]></termNote><termCreatedDate>2026-03-30 20:23:24</termCreatedDate><relation><relationType>UF</relationType><termId>31309664</termId><termName>cryptocurrency</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31300224</termId><termName>currencies</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>31328327</termId><termName>Bitcoin</termName><termType>PT</termType></relation></term>  </Zthes>