CryptoPulse CZ

The European Union is tightening its stance. As part of the sanctions policy against Russia, it is increasingly focusing on cryptocurrencies. The reason is simple – digital assets can serve as a tool for circumventing the traditional financial system. What impact could this have on the crypto market and investors?
Why is the EU focusing on crypto?
After the introduction of economic sanctions, Western countries began to monitor whether Russia is using cryptocurrencies to circumvent restrictions in the banking system (e.g., SWIFT).
Cryptocurrencies allow:

The European Union is preparing for a significant step in the field of digital finance – digital euro. The European Parliament recently supported a proposal that will enable the creation of a central bank digital currency (CBDC) that can be used both online and offline. This step could fundamentally change the way Europeans pay, invest, and manage their finances.
What is digital euro?
Digital euro is an electronic form of the euro that will be directly issued by the European Central Bank (ECB). Unlike traditional bank accounts, it will not be tied to a specific commercial bank, meaning that every EU citizen will be able to hold and use digital euro directly.

Simply:
A smart contract is a program on the blockchain that automatically executes when conditions are met.
Without an intermediary.
Without a bank.
Without 'trust me'.
How does it work?
Imagine it as a digital contract:
When A sends money, B automatically receives the product.
And it all runs on the blockchain.
Once the smart contract is activated:
no one can change it
no one can stop it
no one can bypass it
Example from practice
1️⃣ NFT purchase
You send cryptocurrency → smart contract automatically sends you an NFT.

Simply:
DCA means regularly investing the same amount regardless of the current price.
What is DCA
DCA (Dollar-Cost Averaging) = strategy where:
for example, you invest the same amount every month
you do not worry about short-term fluctuations
you average the purchase price
Instead of trying to 'catch the bottom', you invest systematically.
Real-world example
You invest 5,000 CZK monthly into BTC:
month 1 → high price → you buy less BTC
month 2 → low price → you buy more BTC
month 3 → medium price → you buy the average

When we talk about crypto (or stocks), you often hear the terms bull market and bear market. What do they actually mean?
🐂 Bull Market (bull market)
It is a period when:
prices are rising in the long term
the market sentiment is positive
investors believe in further growth
new people are coming (retail, media, hype)
Typically, it looks like this:
Bitcoin is rising → altcoins are rising even more
Everyone shares screenshots of profits
The word 'correction' is something almost no one wants to hear 😄
The bull attacks its horns upwards – hence the symbol of growth.

Simply:
FOMO and FUD are emotions that most often lead to poor investment decisions.
What is FOMO
FOMO (Fear Of Missing Out) = fear of missing an opportunity.
Typical behavior:
price is rising quickly
everyone is talking about it
buying without a plan
➡️ often leads to buying at the top (ATH)
What is FUD
FUD (Fear, Uncertainty, Doubt) = fear, uncertainty, and doubt.
Typical behavior:
negative news
market panic
quick sale
➡️ often leads to selling at the bottom (ATL)
How FOMO and FUD affect the market

Simply:
ATH and ATL show the highest and lowest price at which the cryptocurrency has ever traded.
What does ATH mean
ATH (All Time High) = historically the highest price of a given cryptocurrency.
ATH often:
draws media attention
triggers FOMO
indicates a strong bullish trend
What does ATL mean
ATL (All Time Low) = historically the lowest price of a cryptocurrency.
ATL often:
shows a period of panic
may signal undervaluation
but also a project's problem
Why are ATH and ATL important
help determine where the price is located

Simply:
ROI shows how much you earned or lost on the investment in percentages.
What is ROI
ROI (Return on Investment) = return on investment.
Used not only in crypto, but also in stocks, real estate, or business.
Thanks to ROI, you can compare different investments with each other.
How is ROI calculated
Formula:
Example from practice (profit)
investment: 10,000 CZK
value over time: 15,000 CZK
Profit = 5,000 CZK
➡️ ROI = +50 %
Example from practice (loss)
investment: 10,000 CZK
value over time: 7,000 CZK
Loss = 3,000 CZK

Ripple has achieved one of the most significant regulatory successes in its history. The Luxembourg financial regulator CSSF has officially granted it a full electronic money institution (EMI) license. Following the preliminary approval in January, Ripple has met all stringent requirements and obtained definitive permission to operate within the European Union.
Why is this license so important?
The EMI license holds extraordinary weight in the European environment. Thanks to so-called passporting, Ripple can now legally offer its payment services across the entire European Economic Area without needing to apply for separate licenses in individual states.

Simply:
Volatility shows how quickly and significantly the price of a cryptocurrency changes.
What is volatility
Volatility is a measure of price fluctuations.
High volatility = the price changes quickly and significantly
Low volatility = the price is more stable
Cryptocurrencies are generally very volatile, especially smaller projects.
Why is volatility important
Helps estimate investment risk
It influences decisions on when to buy or sell
High volatility = the possibility of quick profit, but also loss
A simple example
Bitcoin during the day:

Simply:
Liquidity means how easily and quickly you can buy or sell a cryptocurrency without significantly changing its price.
What is liquidity
Liquidity describes how 'active' the market is.
A highly liquid market has:
many buyers and sellers
quick trades
a small difference between the buying and selling price
Low liquidity means that even a small trade can move the price significantly.
Why is liquidity important
you can quickly enter and exit a position
the price is more stable
lower price slippage risk

Simply:
Market cap (market capitalization) shows how 'big' a project or cryptocurrency actually is.
What is market cap
Market cap = price of one coin × number of coins in circulation.
Does not indicate how much money someone has invested in the project, but rather what the total market value of the cryptocurrency is.
How is it calculated
Formula:
Token price × Circulating supply
Example:
token price: 100 CZK
number of coins in circulation: 1,000,000
➡️ market cap = 100,000,000 CZK
Why is market cap important
helps compare projects with each other

Simply:
CEX and DEX are exchanges, but they differ in who controls your crypto.
What does CEX mean
CEX (Centralized Exchange) is a centralized exchange operated by a company.
Typical features:
the exchange holds private keys
requires KYC
has customer support
easy control
Examples: Binance, Coinbase, Kraken
What does DEX mean
DEX (Decentralized Exchange) is an exchange without an intermediary that connects wallets directly to each other.
Typical features:
crypto remains in your wallet
no KYC

Bitcoin (BTC) has seen a significant drop in recent days below the $80,000 level, which is the lowest price since April 2025. This drop is not an isolated event — it reflects broader changes in the markets and several key factors currently affecting cryptocurrencies.
🔎 1. Macroeconomic pressures: Fed, dollar, and liquidity
One of the main reasons is the change in expectations regarding monetary policy in the USA. The new nomination of Kevin Warsh as the chair of the Federal Reserve has raised concerns that he may support tighter monetary conditions, which would reduce the amount of liquidity in the economy — and that is bad news for 'risk assets' like Bitcoin.

Simply put:
A crypto exchange is a place where people buy, sell, and trade cryptocurrencies.
What is a crypto exchange
A crypto exchange is an online platform that allows:
buying cryptocurrencies for fiat money (CZK, EUR)
selling cryptocurrencies back for money
crypto-to-crypto exchange
The exchange acts as an intermediary between the buyer and the seller.
Types of crypto exchanges
🏦 Centralized exchange (CEX)
it is operated by a company
it has customer support
often requires KYC (identity verification)
Examples: Binance, Coinbase, Kraken

Simply put:
A private key is proof that the crypto belongs to you – without it, you can't do anything with it.
What is a private key
A private key is a secret cryptographic code that allows:
sign transactions
send cryptocurrencies
prove ownership of crypto
The blockchain does not know your name or password – it only recognizes the correct private key.
Private key vs. seed phrase
These terms are often confused, but they are not the same:
Private key
→ controls a specific address
→ used in every transaction
Seed phrase

Simply:
The seed phrase is the main key to your crypto wallet – whoever has it has all your crypto.
What is a seed phrase
The seed phrase (sometimes recovery phrase) is a set of 12–24 random words created when setting up a crypto wallet.
These words represent a backup of the entire wallet.
Using the seed phrase:
you can restore the wallet on a new device
you will gain access to all cryptocurrencies in the wallet
➡️ The wallet can be deleted, the phone can be broken, but the seed phrase remains the key to everything.

Simply:
A crypto wallet is a tool that gives you control over your cryptocurrencies.
What is a crypto wallet
A crypto wallet (in English crypto wallet) is an application or device that serves to store cryptographic keys.
The cryptocurrencies themselves are not stored in the wallet, but on the blockchain – the wallet simply allows you access to them.
In other words:
➡️ wallet = access tool
➡️ blockchain = the place where crypto actually exists
How it works
Each wallet contains:

The return of Donald Trump to the center of political events has reopened the topic of protectionist trade policy. Markets react immediately – higher volatility, investor nervousness, and rapid capital shifts. For long-term investors, however, the key question is different:
Is it a threat or an opportunity?
1️⃣ Tariffs = short-term shock, not the end of the market
Historically, it holds that tariffs and trade wars:
increase uncertainty
short-term pressure on the stocks of exporting companies
increase inflation and pressure on central banks

Simply put:
Bitcoin (BTC) is the first and most well-known cryptocurrency, digital money without a bank or state.
What is Bitcoin
Bitcoin was created in 2009 by an anonymous creator using the pseudonym Satoshi Nakamoto.
It is a decentralized digital currency that allows value to be sent directly between people without an intermediary.
Bitcoin runs on a blockchain that ensures transactions are transparent, verified, and immutable.
Why is Bitcoin important
The first cryptocurrency – laid the foundation for the entire field