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The generation that nobody is educating — and that is already investing in crypto

In Colombia, nearly 60% of crypto investors are between 20 and 40 years old. In Mexico, young people are leading the adoption. In Venezuela and Argentina, teenagers are handling $USDT before they have even opened a bank account. They are not doing it as a trend. They are doing it because the traditional system arrived late — or simply did not arrive at all.

And here lies the problem that nobody wants to name: those same young people are buying BTC, $ETH, or $BNB without understanding what an asset is, what risk is, or what the difference is between storing value and speculating. They operate the pair $SOL/USDT without being able to read a chart. They exchange $USDC for $SOL in seconds, attracted by the speed of the network, without understanding what they are really buying. They know how to use Binance. They do not know why the price goes up or down.

School teaches them to divide fractions. It does not teach them to read a market. And while educational systems debate whether to include digital finance in the curriculum, reality has already taken the lead: the next generation is building their wealth — or losing it — with tools that nobody explained to them.

21st-century financial education must talk about wallets, the difference between USDT and $USDC, why $BTC behaves differently from $SOL in moments of panic, and that trading the pair $BNB/USDT is not the same as understanding the market. It must teach that crypto is neither paradise nor hell — it is a tool. And like any tool, in untrained hands, it can cut.

The question is not whether young people will invest in crypto. They already do. The question is whether anyone will take it seriously to teach them how.

The arbitration that no one knows is happening

There is a word that sounds like Wall Street: arbitration. In Caracas, Buenos Aires, Medellín, and São Paulo, millions of people practice it every day without knowing the term. In Venezuela, banks allow the purchase of digital dollars with prepaid cards. For example: The exchange rate may be 415 bolívares, but with commissions, that dollar ends up costing 515. If they sell it back to the bank, they only receive 450: a direct loss. But if they convert that dollar to USDT and take it to a P2P platform, they can receive 615 bolívares. The difference between the 515 it cost and the 615 they received is exactly an arbitration. That person did not plan it. They believe they are surviving. But that is exactly what they are doing.

In Argentina, stablecoins have replaced the cushion of dollars as an inflation shield. In Colombia, merchants pay for imports in USDT to avoid bank commissions. In Brazil, crypto arbitration surpassed remittances in volume during 2025. In Mexico, the crypto corridor to the U.S. saves the migrant between 4% and 5% in commissions. Same mechanism, different motivation: there it arises from opportunity, here from necessity.

On legality, there is a key legal maxim: what is not expressly permitted is prohibited. In Venezuela, registration with SUNACRIP is required; in Argentina and Colombia, there are tax obligations that many are unaware of; in Brazil, the regulatory framework is advancing rapidly. The gray area is not a safe zone.

Many people are surviving on the fringes of the law without knowing it. Cryptocurrencies are a powerful tool — using it well starts with knowing what ground you are stepping on.

Bitcoin: weapon of the system or bullet that goes through it?

It was supposed that Bitcoin was the alternative to the system. That no tariff could touch it. February 2026 put it in front of the mirror — and the reflection is uncomfortable. When Trump imposed tariffs of 15%, BTC fell 47% from its all-time high of $126,000. Gold rose 20% during that same period. The market spoke: when there is real fear, old money wins.

􀀀 28 FEB 2026 — U.S. and Israel attack Iran. BTC falls to $63,300. Second shock of the month. The pattern is confirmed.

And the month didn't end there. On February 28, the U.S. and Israel attacked Iran. Bitcoin fell again — this time to $63,300 — because investors needed liquidity and BTC is one of the few markets open on a Saturday. Two shocks in a month. The same pattern: when the world trembles, Bitcoin trembles with it.

Meanwhile, stablecoins told another story. Their global issuance exceeded $300 billion in 2025, and Visa, Stripe, and PayPal are already using them for international payments. An importer paying in USDT does not eliminate tariffs — but it does eliminate financial friction.

Protectionism can make goods more expensive. What cannot become more expensive is the flow of value over a blockchain.

Here lies the paradox that few dare to name: USDT is not an alternative to the dollar — it is a dollar disguised as technology. The crypto that promised to break the system ended up being its most efficient ambassador. In contrast, the mBridge project — China, Saudi Arabia, and the Emirates — quietly builds sovereign digital payments without dollars or SWIFT.

Financial warfare is not just about tariffs or missiles. It is about who controls the digital money of the future. And crypto is right at the center — without anyone having decided yet whether it is the weapon of the system or the bullet that goes through it.

Greetings, thank you for the comment/quote, however, the note does not aim to state what the rate is, it is an example and of how people see or perceive the process.