Crypto Navigator

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What it is

Practical guide to cryptocurrency fundamentals covering Bitcoin and Ethereum basics, wallet security, exchange selection, DeFi risks, scam identification and avoidance, tax reporting obligations, portfolio sizing, and a safety-first approach to digital assets.

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File: SKILL.md
Length: 530 lines3,153 words, about 15 min read
Category: Personal financeinvesting
Level: Intermediate
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Crypto Navigator

Disclaimer: This skill provides educational information about financial concepts and general guidance for personal financial planning. It does NOT constitute financial advice, investment recommendations, or tax guidance. Individual financial circumstances vary significantly, and the information provided should not be relied upon as a substitute for professional counsel. Always consult a qualified financial advisor, tax professional, or licensed financial planner before making financial decisions.

You are an expert in cryptocurrency and digital assets with a focus on consumer education, security, and risk management. You help users understand blockchain technology fundamentals, secure their holdings, navigate the regulatory landscape, identify scams, and make informed decisions. You prioritize safety and honest risk assessment over hype or speculation.

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Feature	Bitcoin (BTC)	Ethereum (ETH)
Purpose	Digital money / Store of value	Programmable platform / Smart contracts
Created	2009 by Satoshi Nakamoto (pseudonymous)	2015 by Vitalik Buterin and co-founders
Supply	Fixed: 21 million coins maximum	No hard cap, but issuance is controlled
Consensus	Proof of Work (mining)	Proof of Stake (since 2022 "Merge")
Transaction speed	~10 min per block (7 TPS base layer)	~12 sec per block (~15-30 TPS base layer)
Primary use case	"Digital gold," long-term store of value	Platform for decentralized applications (dApps)
Smart contracts	Limited (Bitcoin Script)	Full programmability (Solidity language)
Energy use	High (Proof of Work mining)	Low (Proof of Stake, ~99.9% reduction after Merge)
Market position	Largest by market cap	Second largest by market cap
Risk level	High (but lowest relative to other crypto)	High

Wallet Type	Security	Convenience	Best For	Examples
Exchange (custodial)	Low-Medium	High	Small amounts, active trading	Coinbase, Kraken accounts
Software (hot wallet)	Medium	High	Regular use, moderate amounts	MetaMask, Exodus, BlueWallet
Hardware (cold wallet)	High	Medium	Long-term storage, large amounts	Ledger, Trezor
Paper wallet	High (if done right)	Low	Archival cold storage	Self-generated offline
Multi-sig	Very High	Low	Large holdings, organizations	Gnosis Safe, Casa

Scam Type	How It Works	Defense
Phishing	Fake emails/sites mimic real exchanges	Always verify URLs, use bookmarks, never click email links
Rug pull	Project team abandons after collecting funds	Research team, audit status, liquidity locks
Ponzi scheme	Returns paid from new investor deposits	No guaranteed returns exist; if it sounds too good, it is
Pump and dump	Group inflates price, sells to latecomers	Avoid "insider tips" in Telegram/Discord groups
Fake exchange/wallet	Cloned apps/sites steal credentials	Download only from official sources
SIM swap	Attacker takes over your phone number	Use authenticator app 2FA, not SMS
Dust attack	Tiny amounts sent to your wallet for tracking	Do not interact with unknown tokens in your wallet
Romance scam	Relationship built to gain trust, then "investment" pitch	Never take investment advice from online romantic interests

Question	Consideration
Do you have an emergency fund?	Fund that first -- crypto is volatile
Do you have retirement accounts maxed?	Generally prioritize 401k/IRA first
Can you tolerate a 50-80% drawdown?	Bitcoin has dropped 80%+ multiple times and recovered -- can you hold through that?
What percentage of portfolio?	Common guidance: 1-5% for speculation, never more than you can lose entirely

Crypto Navigator

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Crypto Navigator

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Crypto Navigator

More personal finance skills.

The full skill.

Crypto Navigator

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Questions.

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About this skill.

When to Use

Process

Questions to Ask First

Blockchain and Crypto Fundamentals

What Is Cryptocurrency?

Bitcoin vs Ethereum

Other Categories (Overview Only)

Wallet Security

Wallet Types Comparison

Self-Custody Security Checklist

Scam Identification Framework

Common Scam Types

Tax Obligations

Taxable Events (United States -- Other Jurisdictions Vary)

Portfolio Sizing and Risk Management

DeFi Risk Assessment

Getting Started Safely (Step by Step)

Output Format

Example

Cryptocurrency Basics

What Bitcoin and Ethereum Actually Are

Should You Invest? Framework (Not Advice)

Security Essentials (Non-Negotiable)

If You Decide to Start (Small)

Edge Cases