Cryptoassets are defined as “a category of virtual assets of a private nature that rely mainly on the combined use of cryptographic techniques and the distributed ledger technology (“DLT”). It is a broad concept under which two main families can be distinguished: Those initiatives that have been conceived to be used in payment transactions and the so-called digital “tokens” (vouchers). The former are generally known as ‘cryptocurrencies’ (although in reality they do not meet the characteristics associated with money), while the latter are a digital representation of value that is usually issued in order to secure financing and to confer on its holder the right to receive an economic or in-kind remuneration, or to exercise certain rights”.
The digital transformation process
Module 0
Introduction
Module 1
Family budget management
Module 2
Basics of financial decision-making: Financial instruments, characteristics, core variables and decision criteria
Module 3
Financial decision-making by entrepreneurs, businesspersons and professionals
Module 4
The psychology of financial decisions
Module 5
The interpretation of economic-financial information
Module 6
The quantification of the economic financial information
Module 7
The role and functions of the financial system
Module 8
The digital transformation process
Module 9
The legal framework
Module 10
The use of means of payment
Module 11
Deposits
Module 12
Loans and credit facilities
Module 13
Fixed income
Module 14
Equity securities
Module 15
Collective investment undertakings
Module 16
Retirement products
Module 17
Other financial products and services
Module 18
Exercises
