Effective Currency • Practical guides • No hype
Understand Money’s Next Era—Safely.
Clear guides on stablecoins, self-custody, FX risk, and regulation—so you can move money with confidence.
Beginner
Stablecoins 101
What they are, how they break, how to use them safely for payments and remittances.
Read the guide →Security
Self-Custody & Recovery
Hardware wallets, seed phrases, multi-sig, and backup plans that actually work.
Learn more →FX & Risk
Forex vs. Crypto
Hedging basics, spreads, slippage, and what regulation means for your money.
Compare →Free PDF
7-Minute Stablecoin Safety Checklist
Set it and forget it: quick safeguards for wallets, transfers, and exchanges.
- Seed phrase do’s & don’ts
- Counterparty red flags
- Simple transfer test flow
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Latest explainers
USDC vs USDT: Which is safer for remittances?
Transparency, networks, and practical picks.
Ledger vs Trezor: Setup, recovery, & passphrasesWhich device fits your use case?
Forward contracts: Plain-English explainerLock an exchange rate for future payments.
FX Hedging: Protect against currency swingsForwards, options, and simple workflows.
Self-Custody: Wallet hygiene & recoveryAvoid the top 3 costly mistakes.