Hallycon Academy

Curso 12 · Profundización

Crypto, explained honestly

What Bitcoin, blockchains and stablecoins really are, how volatile crypto has been, how custody and the EU's MiCA rules work, and where crypto fits in a plan, if at all.

  • 8 lecciones
  • 56 min
  • Gratis
  • Un certificado al terminar

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Para quién es

Para quien siente curiosidad por las criptomonedas, o recibe presión para comprarlas, y quiere saber cómo funcionan y qué puede salir mal. Aquí no se recomienda ninguna.

Las lecciones

Cada lección tiene un vídeo breve, un cuestionario y enlaces para saber más. Las lecciones completas se abren tras un registro gratuito.

  1. Lección 1: What crypto is, and where it came from

    7 min

    Bitcoin was launched in 2009, after the banking crisis, as money without banks or a central bank. What that means, and what it doesn't.

    Puntos clave

    • Bitcoin was described in a paper in October 2008 and went live in January 2009.
    • No central bank or company issues it; a network of computers keeps the record.
    • Its supply is capped at 21 million coins; its price is only what buyers will pay.

  2. Lección 2: Blockchain in plain words

    7 min

    A shared record book that thousands of computers keep at once. How entries are added, why they are hard to change, and what it costs in energy.

    Puntos clave

    • A blockchain is a shared list of transactions, grouped in blocks that are chained together.
    • Bitcoin adds blocks by "mining" (proof of work), which uses a lot of electricity; other networks use "proof of stake".
    • Hard to change also means hard to undo: a mistaken or scammed payment is usually gone for good.

  3. Lección 3: Beyond Bitcoin: ether, tokens and thousands of coins

    7 min

    Ether, smart contracts and the thousands of tokens that followed. Why most coins faded, and how hype cycles work.

    Puntos clave

    • Ether runs small programs ("smart contracts"); many other tokens are built on such networks.
    • More than 16,000 crypto-assets existed in 2022, and many lost almost all their value or disappeared.
    • A new coin with a famous name or face behind it proves nothing.

  4. Lección 4: Stablecoins and the digital euro

    7 min

    Coins meant to stay at €1 or $1. How they hold their value, what happened when one failed in 2022, and how they differ from a digital euro.

    Puntos clave

    • A stablecoin tries to stay equal to a currency, usually backed by cash and short-term bonds.
    • In May 2022 a large stablecoin without real reserves collapsed within days (ECB, historical).
    • Under MiCA, stablecoins offered in the EU need a licence and reserves; a digital euro would be central bank money, not crypto.

  5. Lección 5: Volatility: the honest history

    7 min

    Crypto has risen fast and fallen fast, again and again. The falls in numbers, and why past rises tell you nothing about the next ones.

    Puntos clave

    • Bitcoin fell more than 70% from its peak twice since 2017: −84% in 2017–18 and −77% in 2021–22 (FRED price data, historical).
    • EU supervisors warn that buyers can lose all the money they put in (ESMA, EBA and EIOPA joint warning, March 2022).
    • Plan as if any amount in crypto could halve within a year: from October 2025 to June 2026, bitcoin did.

  6. Lección 6: Wallets, exchanges and keeping crypto safe

    7 min

    Who holds your coins, a platform or you. Seed phrases, hot and cold wallets, platform collapses, and the tricks used on crypto owners.

    Puntos clave

    • On a platform the firm holds your coins; in your own wallet you hold the keys, and nobody can help if you lose them.
    • Platforms have collapsed and frozen customers' coins, as in 2014 and 2022 (historical).
    • Never share your seed phrase or let anyone control your screen; no real firm will ask.

  7. Lección 7: The rules: MiCA, licences and tax

    7 min

    The EU has regulated crypto firms under MiCA since the end of 2024, with a transition that ended on 1 July 2026. How to check a licence, what MiCA does and doesn't protect, and how crypto is taxed where you live.

    Puntos clave

    • Since 1 July 2026 at the latest, crypto firms serving EU customers need a MiCA licence; check ESMA's register or your regulator's.
    • MiCA regulates firms, not prices: it does not protect you when coins fall.
    • Crypto gains can be taxable, and from 2026 platforms report to tax offices under EU rules (DAC8); check your country's rules.

  8. Lección 8: If you still want crypto: the honest place

    7 min

    Only money you can lose entirely, a small share, no borrowing, no leverage, never on a stranger's advice. A short checklist.

    Puntos clave

    • Crypto comes last: after the emergency fund and the core of your plan, and only with money you could lose completely.
    • No leverage, no borrowing: EU rules cap crypto CFDs at 2:1 for private clients because of the risk (ESMA, 2018).
    • If someone you've never met talks you into crypto, stop.

Qué encontrará

  • Vídeos breves: Unos dos minutos por lección
  • Cuestionarios: Tres preguntas después de cada lección
  • Calculadoras: Inflación, interés compuesto, fondo de emergencia y comisiones
  • Certificado: Por cada curso que complete

Las lecciones completas, los vídeos y los cuestionarios se abren tras un registro gratuito: su nombre, correo electrónico, móvil y un PIN. Sin tarjeta, sin compromiso.

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Educación financiera general. Hallycon Academy no gestiona dinero, no vende productos de inversión ni da asesoramiento personal. Los ejemplos no prometen ninguna rentabilidad.

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