What are financial cryptocurrencies?

Could you elaborate on the concept of financial cryptocurrencies? As the field of cryptocurrency continues to evolve, it's crucial to understand the nuances of different types. When we talk about financial cryptocurrencies, are we referring to digital assets primarily used for financial transactions and investments? Do they differ significantly from utility tokens or cryptocurrencies that power decentralized applications? I'm interested in knowing how these financial cryptos function, the benefits they offer investors, and their potential impact on traditional financial systems. Thank you for clarifying this important aspect of the cryptocurrency landscape.