Is "query" a polite word?

Excuse me, could you please clarify for me whether the word "query" is considered polite in its usage? I've heard differing opinions on this matter and I'm curious to know if there's a general consensus on whether it's an appropriate term to use in formal or informal settings, especially in the context of cryptocurrency and finance where professionalism and clarity are often prioritized. Could you elaborate on your thoughts on this matter?