TD Academy

Crypto, stocks and personal finance, clearly explained

Evergreen guides with worked examples, plain-English answers and sources you can check. Learn how markets work before you put money in them.

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Plain-English crypto guides for beginners: how Bitcoin and Ethereum work, how to buy and store coins safely, what…

Stock market basics for beginners: how shares and exchanges work, how to open a brokerage account, why index…

Trading for beginners, explained honestly: how to read charts and indicators, how to size positions and set stop…

Personal finance basics in one place: how to budget, build an emergency fund, pay off debt, raise your…

What is fintech, and how does it affect your money? Guides to neobanks, buy now pay later, robo-advisors,…

RSI compares average gains with average losses over 14 periods on a 0–100 scale. Learn the formula, overbought and oversold…

9 min read

A hardware wallet keeps your private keys on a dedicated device that signs offline; a software wallet keeps them in…

11 min read

ETFs trade all day on an exchange, while mutual funds price once a day at NAV. ETFs often have lower…

10 min read

A seed phrase is 12 or 24 words that encode your crypto wallet's master secret. Anyone with the words can…

9 min read

Fintech

Buy now, pay later splits a purchase into installments, often four interest-free payments over six weeks. The provider pays the…

9 min read

Ethereum

A layer 2 Ethereum network processes transactions off the main chain and posts data or proofs back to Ethereum, cutting…

11 min read