Hi Reader,
👋 Welcome
If you saw my post on LinkedIn this week, you’ll know I wasn’t talking about charts or headlines… I was talking about people.
Confidence in crypto doesn’t grow from hype, celebrity traders, or neon-lit “to the moon” posts.
It grows in warm, supportive spaces — places where people feel able to ask the real questions, the “silly” questions (which are never actually silly), and to learn at their own pace.
That’s the heart of everything I do at CryptoGran.
I’ve learned that most people don’t want drama.
They want clarity.
They want calm.
They want to feel in control of their financial future rather than at the mercy of headlines.
And they want to learn in an environment that feels grounded — nourishing food, gentle conversation, laughter, taking a breath… and letting go of the little stories that say “I’m too old,” “I’m not techy,” or “I’ve left it too late.”
This week’s newsletter continues that same energy:
a simple, human-first explanation of where digital money is heading — without the panic, the hype, or the noise.
🧠 Market Clarity — Stablecoins & CBDCs (Explained Like You’re Sat Next to Me With a Brew)
You might have seen this article:
👉 https://cointelegraph.com/news/uk-falling-behind-countries-gbp-stablecoin
It says the UK is falling behind in launching a GBP stablecoin.
Let’s break this down — simply.
What’s a stablecoin?
It’s essentially a digital pound designed to stay stable.
No price swings.
No drama.
Just digital money that behaves like the money you already know.
People use stablecoins for:
- instant transfers
- reducing volatility
- sending money abroad
- holding value safely before investing
- bridging between banks and crypto wallets
They’re basically the training wheels of digital money.
Why does it matter that the UK doesn’t have one?
Because the rest of the world is moving fast:
🇺🇸 US → USDC, USDT
🇪🇺 Europe → regulated euro stablecoins
🇭🇰 Hong Kong → integrating stablecoin payments
🇸🇬 Singapore → experimenting openly
Stablecoins often become the gateway for everyday people to join the new financial system.
If the UK waits too long, we risk becoming users of someone else’s digital currency — not leaders shaping our own.
So what’s a CBDC?
A CBDC (Central Bank Digital Currency) is:
“A digital version of the pound, issued by the Bank of England.”
Not Bitcoin.
Not a private token.
Just digital cash with government oversight.
Stablecoin → private
CBDC → government
They may feel similar, but they’re fundamentally different in terms of who controls them.
Are they linked?
Absolutely.
Some countries build stablecoins first to test the plumbing before launching a CBDC.
Others push CBDCs to modernise payments.
The UK?
We’re… dithering.
And dithering means falling behind.
What do YOU think?
Should the UK create a stablecoin?
Would you use a digital pound?
What protections matter to you?
💬 Hit reply — your thoughts help shape future teaching inside CryptoGran.
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🧰 Practical Tip — The Two Questions Test for Any Stablecoin
Here’s a quick, simple way to assess whether a stablecoin is trustworthy.
1️⃣ What is it backed by?
Real cash?
Government debt?
Or something vague and mysterious?
If the answer isn’t clear in 10 seconds, that’s your red flag.
2️⃣ Can you redeem it easily?
Good stablecoins let you swap digital pounds for real pounds, quickly and transparently.
Bad ones… avoid eye contact.
Lesson
If a stablecoin can’t explain its backing, where it’s held, or how to cash out…
you’re not using a stablecoin — you’re using a story.
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💭 Mindset Shift: Understanding Reduces Fear
The biggest source of fear in crypto isn’t volatility — it’s confusion.
And confusion lingers when we’re taught through noise, not clarity.
As I shared on LinkedIn this week:
confidence grows in the right environment.
Sometimes that’s a quiet room, a warm drink, a nourishing lunch, or a group of people who make you feel safe enough to ask anything.
Mark Douglas said:
“Your job is not to predict.
Your job is to understand the environment in which decisions are made.”
Once you understand the plumbing — stablecoins, CBDCs, and how digital money moves — you stop reacting to fear and start making grounded, calm decisions.
🪞 Lesson - Clarity creates confidence. Confidence follows calm.
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🌱 Community Spotlight — Book Club, Academy & Workshops
📚 Book Club — Join Before 30 November (2 Months Free!)
We’re two sessions into Inventing Bitcoin and the feedback has been brilliant:
“We totally misunderstood Bitcoin.”
This book is transforming people’s understanding of digital scarcity and decentralised trust.
We have 7 members and I’d love to grow that to 10–12 this month.
If you join before 30th November, your first TWO months are free, so you can finish Inventing Bitcoin with us and dive into our December & January read:
📘 The Great Taking — David Rogers Webb
Please order it now so you’re ready. Amazon have banned it (that might set off your spidey senses!) and so you'll find copies on eBay.
👉 https://www.cryptogran.co.uk/book-club
🎓 Academy (Thursdays 7 pm)
Next week we’re exploring:
- stablecoin safety
- how digital money actually moves
A calm, practical session — perfect for beginners and returners.
📍 January 2026 Workshops
- Underley Business Park — Friday 9 January 2026
- Kelsick Grammar School — Tuesday 20 January 2026
If you live in or near Kirkby, Kendal, Ambleside, Barrow, Keswick, Penrith — or you just fancy a day of learning in a friendly room — you’re welcome.
🎟️ Early Bird price: £147 (normally £197) if you book now!
👉 Full details + booking: CLICK HERE
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✨ Summary — Money’s Changing. Your Calm Is Your Edge.
Stablecoins, CBDCs, digital payments — they’re evolving quietly in the background.
Your edge isn’t reacting.
It’s understanding.
Learn safely.
Invest simply.
Grow steadily.
💚 Yvonne
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Warmly,
Yvonne & The CryptoGran Team
https://cryptogran.co.uk
Helping you crack the code on crypto, one step at a time 💻🧩
Because time is precious, pensions are shrinking, and freedom belongs to all of us.
This course is for educational purposes only and does not constitute financial advice. Please always do your own research.
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