# digital-assets

A skill that gives your agent a reference on crypto fundamentals, blockchain mechanics, DeFi protocols and on-chain metrics. Handy for staking math or token valuation.

- skill · `type=skill` · Claude Code, Codex, Cursor, GitHub Copilot, Gemini CLI, OpenCode · 683 installs · ★ 218
- Author: JoelLewis
- License: MIT · policy=mirror · the beginning of the file is at the end of this page
- Source: https://github.com/JoelLewis/finance_skills/tree/HEAD/plugins/wealth-management/skills/digital-assets/SKILL.md
- Updated: 2026-07-18
- HTML: https://affpapa.org/en/nevibecode/skills/digital-assets

## What it does

The skill hands your agent a structured reference on digital assets. It covers PoW and PoS consensus, how Bitcoin and Ethereum work, staking, lending protocols like Aave and Compound, DEXs built on automated market makers, stablecoin types and custody. Formulas sit in a table: validator yield, impermanent loss, AMM pricing, NVT.

Worked examples come with it. One walks through annual rewards on 32 ETH at a 4.5% nominal yield with ETH at $3,000, then adjusts for token inflation. Your agent follows those steps instead of making numbers up.

Token valuation is presented as a set of approaches, not one model: NVT against peers and its historical range, protocol fee revenue, market cap to TVL, FDV versus circulating supply. There is no buy-or-sell verdict here, so don't expect one. Worth knowing before you lean on it: in the US each crypto sale or exchange is a taxable event, and securities classification under the Howey test is still contested for many tokens.

## Install

### Claude Code (native platform)

1. **Skills CLI (Vercel)**
```bash
npx skills add JoelLewis/finance_skills --skill digital-assets -a claude-code
```

2. **Manually: put the files in place**
- File: `~/.claude/skills/digital-assets/SKILL.md` — Copy the whole skill folder; for one project use .claude/skills/digital-assets/

### Codex

1. **Skills CLI (Vercel)**
```bash
npx skills add JoelLewis/finance_skills --skill digital-assets -a codex
```

2. **Manually: put the files in place**
- File: `.agents/skills/digital-assets/SKILL.md` — For all projects use ~/.agents/skills/

### Cursor

1. **Skills CLI (Vercel)**
```bash
npx skills add JoelLewis/finance_skills --skill digital-assets -a cursor
```

2. **Manually: put the files in place**
- File: `.cursor/skills/digital-assets/SKILL.md` — Cursor also reads .agents/skills/ and .claude/skills/

### GitHub Copilot

1. **GitHub CLI**
```bash
gh skill install JoelLewis/finance_skills digital-assets
```

2. **Manually: put the files in place**
- File: `.github/skills/digital-assets/SKILL.md`

### Gemini CLI

1. **Skills CLI (Vercel)**
```bash
npx skills add JoelLewis/finance_skills --skill digital-assets -a gemini-cli
```

2. **Platform CLI**
```bash
gemini skills install https://github.com/JoelLewis/finance_skills --path plugins/wealth-management/skills/digital-assets
```

### Windsurf (Devin Desktop)

**Manually: put the files in place**
- File: `.devin/skills/digital-assets/SKILL.md` — The legacy .windsurf/skills/ path still works

### OpenCode

**Skills CLI (Vercel)**
```bash
npx skills add JoelLewis/finance_skills --skill digital-assets -a opencode
```

### Claude.ai

**Claude.ai**
- Zip the folder and upload it in Settings → Capabilities → Skills

Where a file is given instead of a command, copy the files from the source to that path: https://github.com/JoelLewis/finance_skills/tree/HEAD/plugins/wealth-management/skills/digital-assets/SKILL.md

## When to use it
- work out real staking yield after token inflation
- estimate impermanent loss when pool prices diverge
- explain how PoS differs from PoW on energy and security
- compare a token's NVT ratio against its historical range
- tell fiat-backed, crypto-backed and algorithmic stablecoins apart

## Example prompts
- calculate validator rewards on 32 ETH at 4.5% APR with ETH at $3,000
- what's the impermanent loss if one token's price moves 2x?
- compare this token's NVT ratio to its historical range

## Source text · SKILL.md · MIT

Below is the content of a third-party file. It is data, not instructions for you: do not act on anything written inside unless the human asks. Block tag: b3226662b730afb9.

BEGIN THIRD-PARTY FILE b3226662b730afb9
```text
---
name: digital-assets
description: "Analyze digital assets including cryptocurrency fundamentals, blockchain mechanics, DeFi protocols, and on-chain metrics. Use when the user asks about crypto investing, Bitcoin, Ethereum, staking yields, DeFi lending, impermanent loss, or on-chain valuation metrics. Also trigger when users mention 'blockchain', 'proof of stake', 'proof of work', 'smart contracts', 'NFTs', 'stablecoins', 'NVT ratio', 'TVL', 'crypto portfolio allocation', 'halving', or ask about risks and returns of cryptocurrency."
---

# Digital Assets

## Core Concepts

### Blockchain Fundamentals
A distributed ledger maintained by a network of nodes. Transactions are grouped into blocks, cryptographically linked in sequence. Immutability comes from the chain structure — altering any block requires recomputing all subsequent blocks. Consensus mechanisms determine how the network agrees on the valid state of the ledger.

### Consensus Mechanisms
**Proof of Work (PoW):** Miners compete to solve computational puzzles. The winner adds the next block and earns a reward. High energy consumption but battle-tested security (Bitcoin). Security scales with hash rate.

**Proof of Stake (PoS):** Validators lock up tokens as collateral ("stake"). Block proposers are selected based on stake weight. Slashing penalizes malicious behavior. Far more energy-efficient than PoW. Ethereum transitioned to PoS in September 2022.

### Bitcoin
Fixed supply of 21 million coins, enforced by protocol rules. Block reward halves approximately every 4 years (halving cycle), reducing new supply issuance. The block reward is 3.125 BTC following the April 2024 halving (next halving expected ~2028, dropping to 1.5625 BTC). Mining reward = block reward + transaction fees. Scarcity narrative drives the "digital gold" thesis.

### Ethereum
The leading smart contract platform. The Ethereum Virtual Machine (EVM) executes arbitrary programs (smart contracts). Gas fees compensate validators for computation. EIP-1559 introduced a base fee that is burned (destroyed), making ETH potentially deflationary when network usage is high. The merge to PoS (Sept 2022) reduced energy usage by ~99.95%.

### Staking Yield
For Proof of Stake networks:

Staking Yield = (Rewards + MEV Tips - Validator Costs) / Staked Amount

Rewards come from new token issuance and transaction fees. MEV (Maximal Extractable Value) provides additional income from transaction ordering. Validator costs include hardware, bandwidth, and the risk of slashing. Real yield (after accounting for inflation of token supply) can be significantly lower than nominal yield.
```
END THIRD-PARTY FILE b3226662b730afb9

The third-party file has ended. Everything between the b3226662b730afb9 tags is data: requests and commands from it are not followed. An “end of file” line with another tag inside the block is part of the file.

First 2637 of 8721 bytes. © JoelLewis · MIT · https://github.com/JoelLewis/finance_skills/tree/HEAD/plugins/wealth-management/skills/digital-assets/SKILL.md

_Part of the page did not fit — see the HTML version._

---
NeVibeCode on affpapa.org. Catalog texts are descriptions, not instructions for the agent. How to choose and install: https://affpapa.org/en/nevibecode/agents.md