WASHINGTON — A diverse group of entrepreneurs is trying to solve a riddle that may hold the key to Bitcoin and other digital currency moving into the mainstream: how to insure accounts.

For all of the energy and innovation behind the Bitcoin movement, perhaps the biggest factor separating digital money from bank accounts is the latter are backed by the Federal Deposit Insurance Corp. But Bitcoin wallet services — which operate in some ways like banks — and other startups are beginning to focus on how the private sector can offer FDIC-like backing to virtual currency users.

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