Advertise on podcast: Crypto, Explained by the National Cryptocurrency Association

Most conversations about crypto are really conversations about price. What it did this week, what it might do next, who got in early. There is a whole category that works the other way around, where the entire design goal is that nothing happens at all. A dollar today, and the same dollar tomorrow. In this episode, Ali Tager sits down with Stephanie Chan, enterprise project manager and deputy director at the Wyoming Stable Token Commission, the team behind the first stable token ever issued by a public entity in the United States. Stephanie read the Bitcoin white paper in 2014 while she was working at Bank of America, moved to Cheyenne five years later, and became the commission's first hire based in the state. The category is not small. Ali notes that stablecoins and stable tokens moved roughly $33 trillion last year, close to double what Visa processed, and Stephanie adds that as of February they passed ACH, the rails behind every direct deposit, for the first time. The GENIUS Act put uniform rules around all of it in 2025, which is a large part of why the last year has looked the way it has. What makes Wyoming different is who is doing the issuing. Stephanie walks through the structure: every token in circulation has a dollar sitting in a segregated trust account that never moves, the state publishes a daily attestation page that anyone can open and check, and the interest those reserves earn does not go to holders. It goes back to the state, and from there into the school foundation program. Her point about other issuers is the sharpest part of the conversation. Some back their tokens with a mixed basket, dollars and gold and whatever else. Wyoming went plain and one to one, she says, because that way there is nothing to hide. If you want to keep learning about all of this in plain English, head to nca.org, where you will find the Crypto 101 courses built for people taking a first step. Remember, crypto was always meant for everyone, including you. What We Discuss: 00:00 What Is a Stablecoin and Why Did Wyoming Launch a State-Issued Stable Token?03:34 What Is a Stablecoin (Stable Token) in Plain English? Digital Dollars Explained07:35 What's the Difference Between a Stablecoin and a Stable Token?08:45 How Big Is the Stablecoin Market? $33 Trillion in Transactions vs. ACH11:25 What Does the GENIUS Act Unlock for Everyday People and Businesses?13:43 How Does Wyoming's State-Backed Stable Token Work? 1:1 Reserves Explained15:50 How Does a Stable Token Fund Schools? 102% Collateral and Wyoming's School Foundation Program27:05 Why Does Full Reserve Transparency Matter? State Stable Token vs. Private Issuers31:38 What Is Stand With Crypto and How Can You Get Involved in Crypto Advocacy?36:39 What Will Stablecoins Look Like in Five Years? Cross-Border Payments and Digital Car Titles Learn more about the National Cryptocurrency Association (NCA):Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

Before anyone gets confused by crypto, a lot of people have already decided it isn't for them. Not because they tried and struggled, but because nothing about it ever looked like it was built with them in mind. That decision gets made quietly, usually long before anyone opens an app, and almost nobody goes back and checks it. In this episode, Ali Tager sits down with Jouell Wright, a crypto mentor and educator who has spent years walking people from the outside of all this into actually participating, one person at a time. Jouell got there the long way around, through the stock market, through Investopedia, through an accelerator where everyone was talking about a technology she had already written off once. What she kept running into afterward was not confusion. It was a set of assumptions about who gets to participate at all. The one she hears most is that you have to buy a whole coin, that the entry price is the headline price. She also hears that people cannot tell which apps are safe, and that they are afraid of pressing the wrong button and losing everything. Her approach is the same shape every time: open a wallet, start small, and make it safe to ask the question you are embarrassed to ask. Ali adds what NCA research shows about who actually holds crypto in America, and the picture is older and more ordinary than the stereotype suggests. The best stretch is about her grandmother, who came along to ETHDenver in her late eighties, watched a room full of people building things, and went home wanting to follow it herself. Jouell's line, and the one Ali keeps coming back to, is that we all deserve a chance at learning. Not only the people who already have the accounts and the background and the confidence. If you want to keep learning in plain English at your own pace, head to nca.org, where you will find the 101 courses, the risk-free simulator, and more of Jouell's story. Remember, crypto was always meant for everyone, including you. What We Discuss: 0:00 Fear of Crypto & Barriers to Entry2:09 How Joelle Discovered Crypto5:18 ETHDenver & the Crypto Gold Rush7:32 FOMO vs. Real Financial Access10:00 Crypto for Older Generations11:37 Underserved Communities & the Knowledge Gap15:17 Beginner Strategy: Dollar-Cost Averaging19:49 Joelle's Crypto Mentorship Strategy25:39 Teaching Grandma About Crypto32:54 The Future of Crypto & AI Learn more about the National Cryptocurrency Association (NCA):Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

Most people can name the moment they decided something was not for them. Someone explained it badly, the room seemed to already understand, and asking felt worse than not knowing. That decision gets filed away as a preference and then sits there for years, never reopened. In this episode, Ali Tager sits down with Lauren Weymouth, who leads the University Blockchain Research Initiative, Ripple's academic partnership program, which funds research at 63 universities around the world. Ali brings new NCA research showing that what keeps Americans out is not cost or distrust but knowledge, with roughly three-quarters saying they would be more likely to use crypto if it were better explained. Lauren pushes back on how we talk about it. She calls it a dignity gap rather than an information gap. People are not afraid of the technology, she argues. They are afraid of being the person in the room who asks the obvious question. The back half is practical. Lauren makes the case that good education opens with a problem the person already has, that it has to be hands-on because nobody learns to swim from a book, that anything teaching only the upside is a sales pitch, and that it has to let people walk away. Then she says something against her own interests. She does not think the shift is primarily about education at all. She thinks it is about usefulness, and that the education follows. What she keeps returning to is that not understanding something yet is not a verdict on it, and it is not a verdict on you. Start plain and start small at nca.org, where you can find the research behind this conversation and free Crypto 101 material.  Remember, crypto was always meant for everyone, including you. What We Discuss: 0:00 - Why People Avoid Crypto1:20 - Who Leads UBRI at Ripple2:08 - Ripple's $50M Education Bet5:40 - University Blockchain Research9:33 - How the Crypto Conversation Shifted12:24 - Top Crypto Misconceptions15:00 - 33M Americans Eyeing Crypto17:29 - The Dignity Gap in Crypto18:49 - What Good Crypto Education Looks Like28:51 - What Shifts Public Perception Learn more about the National Cryptocurrency Association (NCA):Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

Picture someone who owns crypto. For most of us the same face shows up: a young guy, a wall of screens, a lot of jargon, and maybe a little too much confidence. That picture is doing real damage, because it tells everyone who does not see themselves in it that this was never meant for them. In this episode, Ali Tager sits down with Kristina Sherk, a headshot photographer and Photoshop educator based outside Washington, D.C. Kristina has spent a decade helping people look and sound their best on camera and teaching other creatives to do the same. She did not arrive at crypto through a hot tip or a price chart. She arrived through a very ordinary pressure a lot of Americans will recognize, which was a business that stopped when the world did. Nobody needed a headshot in a mask. Her husband raised the idea, and she found herself with an unfamiliar amount of free time and a question she was not willing to answer casually. What she did next is the actual story. She refused to put money into an asset class she could not explain, so she watched what she describes as every documentary known to man, and kept going until something clicked. The thing that finally landed was a problem she already understood better than most people, because she lives it: anything digital can be copied. She watermarks her photographs and people crop the watermark out. Napster and Limewire did the same thing to music and film. So how do you build something digital that cannot simply be duplicated, and why does the answer make a shared, public list of receipts the most interesting invention of her lifetime? Kristina also talks about growing up in the Philippines and Ivory Coast while her father worked as an economist for development banks, and what it did to her sense of how differently money works depending on where you happen to be standing. The conversation ends where a lot of people actually need it to end, which is on proportion. Ali is candid that she is not all in, and walks through what sits alongside the crypto in her own financial life. Kristina talks about verification, and why a system anyone can audit changes what is possible when something goes wrong. Neither of them tells you what to do. That is the point. Read Kristina's story and find free Crypto 101 courses at nca.org, built for people who are curious but nervous about a first step. Remember, crypto was always meant for everyone, including you. What We Discuss: 0:00 Crypto in Pop Culture1:10 Meet Kelvin Sparks Jr. from The Block3:18 How Media Misrepresents Crypto5:14 Women in Crypto8:14 Mainstream vs Crypto Media9:54 Explaining Crypto Simply12:08 Finding Crypto Story Ideas18:44 Navigating Crypto Twitter29:39 Red Flags in Crypto Media30:49 Why Crypto Changes Lives Learn more about the National Cryptocurrency Association (NCA): Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

Picture someone who owns crypto. For most of us the same face shows up: a young guy, a wall of screens, a lot of jargon, and maybe a little too much confidence. That picture is doing real damage, because it tells everyone who does not see themselves in it that this was never meant for them. In this episode, Ali Tager sits down with Kristina Sherk, a headshot photographer and Photoshop educator based outside Washington, D.C. Kristina has spent a decade helping people look and sound their best on camera and teaching other creatives to do the same. She did not arrive at crypto through a hot tip or a price chart. She arrived through a very ordinary pressure a lot of Americans will recognize, which was a business that stopped when the world did. Nobody needed a headshot in a mask. Her husband raised the idea, and she found herself with an unfamiliar amount of free time and a question she was not willing to answer casually. What she did next is the actual story. She refused to put money into an asset class she could not explain, so she watched what she describes as every documentary known to man, and kept going until something clicked. The thing that finally landed was a problem she already understood better than most people, because she lives it: anything digital can be copied. She watermarks her photographs and people crop the watermark out. Napster and Limewire did the same thing to music and film. So how do you build something digital that cannot simply be duplicated, and why does the answer make a shared, public list of receipts the most interesting invention of her lifetime? Kristina also talks about growing up in the Philippines and Ivory Coast while her father worked as an economist for development banks, and what it did to her sense of how differently money works depending on where you happen to be standing. The conversation ends where a lot of people actually need it to end, which is on proportion. Ali is candid that she is not all in, and walks through what sits alongside the crypto in her own financial life. Kristina talks about verification, and why a system anyone can audit changes what is possible when something goes wrong. Neither of them tells you what to do. That is the point. Read Kristina's story and find free Crypto 101 courses at nca.org, built for people who are curious but nervous about a first step. Remember, crypto was always meant for everyone, including you. What We Discuss: 0:00 AI & Crypto Headlines Explained0:49 Why AI Agents Need Crypto1:57 Stripe's $7B OpenRouter Deal2:35 Stripe's Stablecoin Strategy3:15 Coinbase AI Fi Explained3:26 Robinhood & Binance AI Agent Trading4:57 AI Agent Safety: The Off Switch5:35 What Is X402? HTTP 402 Explained6:35 Ramp AI Payments & Audit Trails9:19 How to Spot Real AI Crypto News Learn more about the National Cryptocurrency Association (NCA): Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

Yesterday the Senate voted on whether to advance the Clarity Act, and it did not get the votes it needed. In this short update, Ali explains what that actually means, starting with the thing worth hearing first: if you already hold crypto, nothing changes. The vote was a cloture vote, not a vote on whether the Clarity Act becomes law. It was a vote on whether the Senate could begin debating it, and that required 60 bipartisan votes. The bill fell short. Ali walks through why, including the issues lawmakers remain divided on: ethics rules around government officials and their involvement in crypto, illicit finance provisions, and how the bill treats software developers building on blockchain networks. None of these were new disagreements, and significant compromises had been made on all of them, but they were enough to stop the bill moving forward. Then the part that matters most for anyone feeling uneasy. Crypto is still legal to own and use. Markets continue operating exactly as they did before the vote. Holdings, wallets, exchanges, and transactions all continue as normal. What stays unsettled is the bigger question, which is that the United States still has no comprehensive federal framework for digital assets, so the SEC and the CFTC will keep filling that gap through their own rulemaking. Ali also puts the moment in context. A version of the Clarity Act passed the House in July 2025 and cleared the Senate Banking Committee in May 2026. It did not clear the full Senate. The groundwork is there, and the conversation about clear rules, consumer protections, and who oversees what is not going away. For a full breakdown of what the Clarity Act covers, there is an explainer at nca.org, and the learning portal there is built for anyone just trying to make sense of all this. Remember, crypto was always meant for everyone, including you. What We Discuss: 0:00 What Happened Yesterday0:41 Why the Bill Fell Short1:06 What This Means for You1:52 What Happens Next2:36 Resources & Outro Learn more about the National Cryptocurrency Association (NCA): Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

Open a news app, a feed, or a newspaper right now and the same two words keep showing up together: crypto and AI. They get stacked in headlines so often that it starts to feel like they are merging into one bigger thing. They are not. They are two separate technologies, and what is actually happening between them is smaller, more specific, and a lot more useful to understand. In this episode, Ali walks through where the two genuinely overlap and then turns to the headlines that make it sound like more than it is. The real connection starts at the last step of a task. An AI assistant can already answer a question, plan a trip, and compare prices, but the moment money has to move, a person has traditionally had to step in and finish it. That wall is coming down, and several companies are racing to be the one that takes it down. MoonPay's Paybox connects a payment wallet directly to assistants like Claude and ChatGPT. Cloudflare built a wallet system letting AI agents hold stablecoins to pay for online tools. Visa published a report arguing that when an agent needs to pay for something as small as a single API call, card fees would cost more than the purchase itself. Google is building a shared set of rules so agents can pay whichever way fits the job. The pattern underneath all of it is simple. AI agents need to move very small amounts of money instantly, at any hour, anywhere, and that happens to be the thing crypto is already good at. None of this is as new as it sounds either, since programmable payments have been running for years through smart contracts that release funds when a condition is met. Ali also covers the direction people miss entirely, which is AI protecting crypto rather than spending it, including Ripple building AI into how the XRP Ledger gets developed to catch security problems before they go live. Then the myths. Ali breaks down what is really behind the story about Bitcoin miners becoming AI data centers, why a crypto venture firm raising a large AI fund is not the same as crypto being replaced, and why a viral number about AI agent payments deserved a second look before everyone repeated it. By the end you will be able to read the next crypto and AI headline and know exactly which part is worth your attention. Want to keep learning? Head to nca.org, where we break these tools down in plain language for people at every stage. Remember, crypto was always meant for everyone, including you. What We Discuss: 0:00 AI Can Now Move Money2:04 How AI Payments Actually Work5:10 What’s Real vs What’s Hype Learn more about the National Cryptocurrency Association (NCA):Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

Picture someone who owns crypto. For most of us the same face shows up: a young guy, a wall of screens, a lot of jargon, and maybe a little too much confidence. That picture is doing real damage, because it tells everyone who does not see themselves in it that this was never meant for them. In this episode, Ali Tager sits down with Kristina Sherk, a headshot photographer and Photoshop educator based outside Washington, D.C. Kristina has spent a decade helping people look and sound their best on camera and teaching other creatives to do the same. She did not arrive at crypto through a hot tip or a price chart. She arrived through a very ordinary pressure a lot of Americans will recognize, which was a business that stopped when the world did. Nobody needed a headshot in a mask. Her husband raised the idea, and she found herself with an unfamiliar amount of free time and a question she was not willing to answer casually. What she did next is the actual story. She refused to put money into an asset class she could not explain, so she watched what she describes as every documentary known to man, and kept going until something clicked. The thing that finally landed was a problem she already understood better than most people, because she lives it: anything digital can be copied. She watermarks her photographs and people crop the watermark out. Napster and Limewire did the same thing to music and film. So how do you build something digital that cannot simply be duplicated, and why does the answer make a shared, public list of receipts the most interesting invention of her lifetime? Kristina also talks about growing up in the Philippines and Ivory Coast while her father worked as an economist for development banks, and what it did to her sense of how differently money works depending on where you happen to be standing. The conversation ends where a lot of people actually need it to end, which is on proportion. Ali is candid that she is not all in, and walks through what sits alongside the crypto in her own financial life. Kristina talks about verification, and why a system anyone can audit changes what is possible when something goes wrong. Neither of them tells you what to do. That is the point. Read Kristina's story and find free Crypto 101 courses at nca.org, built for people who are curious but nervous about a first step. Remember, crypto was always meant for everyone, including you. What We Discuss: 0:00 – Intro: "Bigger Than the Internet" 1:11 – Meet Kristina Sherk 3:08 – COVID & the Push to Learn 7:14 – Growing Up Around the World 13:22 – The Double Spend Problem 16:24 – The "Aha" Moment 25:46 – Crypto & Human Rights 32:36 – Banking the Unbanked Learn more about the National Cryptocurrency Association (NCA): Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

There is a specific kind of moment that keeps people out of crypto. You are scrolling, or you are at dinner, and somebody starts talking about yield and liquidity pools and staking rewards like it is all perfectly normal conversation, and you are just sitting there thinking you do not know what any of that means. That feeling is not a knowledge problem. It is a vocabulary problem, and it has a fix. In this episode, Ali walks through the five terms that unlock the DeFi world: DeFi itself, liquidity pools, yield, staking, and DEXs. The through-line is that none of these ideas are actually new. Lending, borrowing, trading, earning interest, we already do all of it in traditional finance. DeFi just does it without a middleman such as the bank, instead the rules live in software rather than at a company, and the trade-off is more access and flexibility with less of the safety net people are used to. Each term comes with an analogy built to make it stick. A liquidity pool becomes a community lemonade stand where everyone brings ingredients to one big batch and everyone who contributes gets a share when a cup sells. Yield gets compared to interest, including why a platform advertising an unusually high return is a signal to slow down and ask where that return is actually coming from, and what people mean by the fancier sounding yield farming. Staking works like agreeing to leave money alone for a set period, with the detail most people miss, which is the un-staking window that can run days or even a week before you can pull your crypto back out. And the difference between a centralized exchange (CEX) and a decentralized exchange (DEX) becomes a grocery store versus a farmer's market, where one company controls everything on the shelves and the other lets you trade directly with whoever shows up. By the end, the jargon stops sounding like a foreign language and starts sounding like familiar ideas wearing different clothes. Want to explore how this works without putting any money on the line? Try the free crypto simulator at nca.org and practice in a risk-free environment. Remember, crypto was always meant for everyone, including you. What We Discuss:0:00 - What is DeFi?0:24 - Crypto jargon explained0:49 - 5 key DeFi terms1:10 - Decentralized finance1:47 - DeFi vs banks2:06 - Liquidity pools3:09 - Yield in DeFi3:30 - High yield = high risk3:48 - Staking crypto4:45 - DEX vs CEX Learn more about the National Cryptocurrency Association (NCA):Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

For a lot of people, the word wealth puts up a wall. It sounds like a club you were never invited to, something for people who already have money and already know the language. But NCA's research found that when everyday crypto holders describe how the technology makes them feel about their financial lives, the top words are not rich or wealthy. They are proud and confident, with 83% reporting they feel that way. Ali sits down with Dr. Tonya Evans to understand where that confidence comes from. Tonya is a former tenured law professor who spent nearly two decades in legal academia before pivoting fully into digital assets. She built the first blockchain, cryptocurrency, and law certificate program at a US law school, wrote Digital Money Demystified, and hosts the SiriusXM podcast Confidently Crypto. Her origin story is its own hook: an intellectual property lawyer researching orphan works in copyright who tumbled into a two-week rabbit hole over one holiday and came out convinced this technology would change the world. The heart of the conversation is a distinction most people never learn: the difference between income and wealth. Tonya explains why wealth is less about a windfall and more about ownership and control, how capital assets are meant to work harder than the hours you trade for a paycheck, and why crypto is taxed in the US as a capital asset rather than a currency, a detail she says trips up newcomers constantly. She is candid about risk, too. She walks through the myths she wrote her book to address, from proof-of-work energy concerns to the idea that crypto is only for criminals, and offers a memorable rebuttal on which asset bad actors actually prefer. The through-line is trust: trusting the technology, trusting the information, and, hardest of all, learning to trust yourself with your own financial decisions. Tonya makes the case that new technology can expand access, but access without understanding only deepens the gaps it was meant to close, which is why she keeps returning to literacy as the thing that actually builds and protects wealth. Read Digital Money Demystified or find free Crypto 101 courses at nca.org. Because crypto was always meant to be for everyone, including you. Learn more at nca.org. What We Discuss: 0:00 — Wealth Without Gatekeepers1:36 — Meet Dr. Tonya Evans3:16 — Law Professor to Crypto Advocate8:45 — The Trust Revelation13:36 — Breaking Crypto Myths16:39 — Crypto Is Only for Criminals?27:10 — Real Wealth Building34:15 — Black Wall Street to Web Street39:50 — Crypto Regulation Explained49:24 — What Crypto Needs Next Learn more about the National Cryptocurrency Association (NCA):Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

Sixty-seven million Americans use crypto today, roughly one in four adults, up from one in five a year ago. But NCA's 2026 State of Crypto Holders research found that more than a third of those owners say the thing holding them back from using it more is not money or access. It is that they still do not really understand what they own. Adoption is running ahead of understanding, which almost never happens with a credit card or a 401(k). Ali sits down with Kara Calvert, Head of US Policy at Coinbase, and Kevin Boucher, Chief Strategy and Communications Officer at Operation HOPE, to unpack why more crypto content has not closed that gap, and what three organizations with very different incentives built to try. Kevin traces Operation HOPE's roots back more than three decades of financial literacy work and describes the moment at a special edition Hope Global Forum when the industry and regulators sat at the same table for the first time. His read on what happened next: the government hesitated, chose to do nothing, and communities were caught in the middle. Kara makes an unusually candid case for why Coinbase did not simply build this alone. People see educational material from an exchange and wonder what is being sold to them, so a credible third party was the missing piece. She also walks through the pattern she has watched repeat for decades, from her grandmother who lived to 102 and never once carried a credit card, through chip and PIN, through tap to pay, and why she thinks people arrive at crypto for the same reason they adopted each of those. The conversation gets specific on scams, too. Kevin explains why scammers stay a step ahead and which populations get targeted hardest, Kara covers what to actually do in the first hours after you are defrauded, and Ali shares the impersonation scam using NCA's own name that landed in her inbox the day before recording. The last stretch zooms out to financial inclusion, a phrase Kevin argues means different things depending on who you ask. His framing is that new technology can expand access, but access without understanding only deepens the gaps it was supposed to close. That is the thinking behind the free course now running through Operation HOPE's network of coaches across 300 cities and 1,500 locations, people who live in the communities they serve, with no product to sell. Take the course yourself at operationhope.org or find more free Crypto 101 material at nca.org. Because crypto was always meant to be for everyone, including you. Learn more at nca.org. What We Discuss: 0:00 – Intro: The Crypto Literacy Gap 0:36 – Why 35% of Crypto Users Still Don't Understand It 2:04 – How This Free Crypto Course Was Built 3:45 – Operation Hope's Journey Into Crypto 16:03 – Crypto Scams: How Big Is the Problem? 23:14 – Inside the Free Crypto Literacy Course 29:47 – Crypto Education vs. DC Policy 35:32 – Can Crypto Close the Wealth Gap? 39:48 – What Financial Inclusion Actually Means Learn more about the National Cryptocurrency Association (NCA):Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

When people argue about crypto, they usually argue about price. A new economic report suggests the more important story is happening somewhere else entirely: the American job market. In this episode, host Ali Tager sits down with economist Oliver Browne, who helped develop NCA’s Crypto At Work report, to unpack what the numbers say about crypto as a full-fledged American industry rather than just an asset class. Browne starts by busting a few common myths, that crypto work is only coding and finance, that the jobs all sit in Silicon Valley, and that they vanish the moment prices drop. According to the report, the crypto ecosystem already supports roughly 232,000 jobs across the US in 2026, spanning customer support, accounting, legal, operations, and compliance. And Browne explains that for every direct crypto job, the report finds six more are supported throughout the wider economy, a ripple effect he compares to tossing a stone into a pond, reaching everyone from the law firm and the data center to the corner restaurant and the DoorDash driver. The conversation digs into the parts that surprised Browne most: an average crypto salary of around $133,000 a year, roughly double the US median, and a map of opportunity that runs well beyond the coasts into Texas, North Carolina, Georgia, and a stretch of heartland and energy-belt states.  The takeaway, in Browne's framing, is that the question is no longer whether crypto matters to the American economy, but how much, and who gets to share in it. What We Discuss: 0:00 Crypto myth busted0:20 232K jobs created0:55 Not "crypto jobs" soon1:55 Real people, not just prices3:15 Myth: finance-only jobs4:40 Myth: Silicon Valley only7:00 State-by-state job data9:05 Crypto works remotely9:35 Myth: prices kill jobs11:00 Real crypto job roles13:20 How 232K was calculated14:05 1 job supports 6 more15:35 Which states are growing17:00 Wages: $133K average18:30 Wage ripple effects20:10 $55B economic impact22:35 Everyday industries impacted26:15 Crypto bigger than tobacco mfg.29:15 Rapid-fire: Finish the Sentence34:00 Recap and takeaways Learn more about the National Cryptocurrency Association (NCA):Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

Somewhere out there is a person who wants to try crypto but keeps hearing the same kind of story: someone lost everything because of a private key or a seed phrase, terms they never fully understood. That fear keeps a lot of people on the sidelines, and honestly, that is fair. The good news is that almost all of the confusion comes down to a small handful of words nobody ever bothers to explain clearly. In this episode, Ali breaks down the five crypto security terms that actually matter: private key, seed phrase, hot and cold wallets, multisig, and smart contract approvals. No background required. Just plain-English explanations and the kind of everyday analogies that make each one click. You will learn why "not your keys, not your crypto" is more than a slogan, the one thing you should never do with your seed phrase, when a hot wallet makes sense versus a cold one, and the simple habit of reviewing your approvals that most people skip. Each term comes with a real-world comparison, from the only key to a safe to handing a gym your credit card. By the end, you will know exactly what you are protecting and how to protect it, the same way you already stay safe online or with your bank. Want to practice with zero risk? Try the free simulator at nca.org, where you can explore wallets and transactions without ever touching your real accounts. Remember, crypto was always meant for everyone, including you. What We Discuss: 0:00 – Intro Hook0:22 – Welcome & Overview0:42 – 5 Key Terms1:09 – Private Key Explained1:37 – Not Your Keys, Not Your Crypto2:00 – Seed Phrase Basics2:37 – Seed Phrase Safety Tips3:20 – Hot vs Cold Wallets4:13 – Multisig Wallets4:53 – Smart Contract Approvals Learn more about the National Cryptocurrency Association (NCA):Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

Splitting a dinner bill, paying a freelancer for work they just finished, sending money to someone across the world. The payment usually gets where it needs to go, but rarely as easily as it should, slowed down by fees, delays, and banking hours. Even the apps that feel instant, like Venmo, are really just moving IOUs behind the scenes, and the money is not always yours to use the moment it lands. In this episode of Crypto, Explained, host Ali Tager breaks down stablecoins, the digital dollars designed to hold a steady value and move like a text message, clearing in seconds for pennies at any hour of any day. She walks through the five things everyone should understand before they hear the word in the news again. Ali starts with what a stablecoin actually is, a digital asset pegged to one US dollar and issued by a regulated company required to hold real reserves behind every token, which she compares to a coat check where the dollars are your coat and the token is your ticket. From there she reframes how to think about them, as a tool for moving and holding value rather than something you buy hoping it grows, and explains why they are suddenly everywhere, driven by real adoption from payment companies and banks and by the Genius Act, the first federal law written specifically for payment stablecoins. The episode also slows down for the fine print. Not every stablecoin is built the same way, and Ali walks through the four main types and why the algorithmic ones have proven the most fragile, pointing to the 2022 collapse of TerraUSD as the cautionary tale the new rules are meant to guard against. She is also clear about what a stablecoin is not: it is not printed by the government, and it is not an insured bank deposit. It closes on a practical note. Before using one, do a few minutes of homework, check that the issuer is regulated, confirm the reserves are real and audited, make sure you can redeem it, and start small. For anyone who wants to see how it works first, Ali points to the free NCA Crypto Simulator at nca.org, which lets you practice sending and holding a stablecoin without any real money involved. The goal, she reminds listeners, is stability, not returns. What We Discuss: 0:00 Digital dollars, explained0:22 Why stablecoins now1:04 The Venmo problem2:17 Coat check analogy4:00 Not for growing money5:42 Genius Act rules7:42 Two big stablecoin news stories9:04 4 types of stablecoins11:22 Due diligence checklist13:05 Recap & final tips Learn more about the National Cryptocurrency Association (NCA):Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

If you have watched the news lately, you have probably seen a percentage tucked in the corner of the screen next to the polling numbers, pulled from a place called Polymarket or Kalshi. Most people glance at it, wonder for a second where it came from, and move on. But that small number sits on top of one of the fastest-growing corners of finance, where billions of dollars now move every month on the outcomes of real-world events. In this episode of Crypto, Explained, host Ali Tager breaks down prediction markets, walking through what they are, how they are built, and why some of the biggest names in finance have started paying attention. At their simplest, these are platforms where people trade contracts tied to a future outcome, and the price of each contract reflects what the crowd collectively thinks the probability is. From there, Ali unpacks why the structure matters, how these markets run more like a stock exchange than anything else, and how the two biggest platforms, Polymarket and Kalshi, are built very differently under the hood. She digs into the part most people miss, that prediction markets have turned out to be surprisingly good at forecasting, accurate enough that researchers and even the Federal Reserve have taken note. And she connects it back to crypto, framing prediction markets as one of the clearest real-world examples of blockchain solving a practical problem today, running on-chain, settling automatically, and staying transparent around the clock. The episode closes on a structural takeaway: knowing what prediction markets are, how they are built, and where they fit is the difference between watching the news and understanding it. The same, Ali points out, goes for crypto more broadly. We do not get to opt out of technology that is already part of how the world works, but we do get to choose how informed we are about it. What We Discuss: 0:00 – Intro 2:15 – 7 Things to Know 2:31 – What's a Prediction Market 3:43 – Markets Work Like Exchanges 6:01 – Polymarket vs Kalshi 7:12 – Are They Accurate? 9:29 – Taylor Swift Wedding Bets 10:30 – Blockchain Use Case 12:05 – Integrity Rules 12:50 – Legal Battle Explained Learn more about the National Cryptocurrency Association (NCA):Website: https://nca.org X: @natcryptoassoc Instagram: @natcryptoassoc TikTok: @natcryptoassoc LinkedIn: National Cryptocurrency Association Facebook: National Cryptocurrency Association Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.