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This paper is about digital currency and its ways to handle transactions in business matters. The purpose of this paper is to show how to minimize the risks of transactions and how to make the quickest transactions. And by which fake transactions or the slow process of transactions be avoided. The consensus mechanism is consisted of proof of stake and proof of work regarding security, validity, and verifying transactions in financial matters. Proof of work is considered more secure than proof of stake but proof of work is slow than proof of stake. Therefore, it may be stated there are some advantages and disadvantages of both ways of consensus mechanisms. As proof of Stake is a quick way but comparatively less secure than proof of work but proof of stake is the quickest way to make transactions. Anyhow, it may be stated that in the matter of digital transactions, for every person who wants to send or receive, directly or indirectly, the primary desire is the safety of the transaction and validity within the shortest period. So that proof of transaction can be provided to the other party and kept for record purposes also. In short, this paper guides cryptocurrency and its consensus mechanism for financial transactions.