There are two different philosophies at play. One with greedy speed and the other being a slow and methodical process. This results in either cryptocurrencies explained either in detail on white paper or simply by hastily written code. Within the top 10 cryptocurrencies, none were implemented from a formal specification

University of Connecticut

University of Minnesota - Twin Cities

Software needs accountability and repeatable process by using thorough testing and continuous iteration. However, many cryptocurrency protocols start in academic circles with peer review and debates, without proper iteration and experience through real life use. 

The Art of Iteration

Hoskinson, Charles. (2017). Why Cardano. https://why.cardano.org/

Why Cardano

Cardano first acknowledges there are many existing software and protocols that can be mimicked to ensure security in cryptocurrency. 

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