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Heidi Chakos
CO-FOUNDER

Heidi Chakos

Heidi Chakos is co-founder of Learning Crypto, co-host of the Crypto Tips YouTube channel and author of Why Crypto? Why It Exists and Why You Need It (2026).

  • Author of Why Crypto? (2026)
  • Writing about Bitcoin since 2016
  • Crypto Tips · 200,000+ subscribers

ABOUT

About Heidi

Heidi Chakos is co-founder of Learning Crypto, co-host of the Crypto Tips YouTube channel and author of Why Crypto? Why It Exists and Why You Need It (2026). She has been explaining Bitcoin to beginners since 2016, and writes the site's guides on self-custody, wallet security, scams and crypto fundamentals.

Heidi started writing about crypto in 2016 as Heidi Travels, one of the early Bitcoin voices on Steemit, where she built a following of more than 15,000 readers through the 2017 cycle and presented the Dash News Recap. That same year she and Toby Cunningham launched Crypto Tips, which has grown past 200,000 subscribers on the same explain-first approach. Her first book, Crypto Made Easy, came out in 2023; Why Crypto? followed in January 2026 in paperback, ebook and audiobook. Together they also host the Permissionless Podcast.

She has been interviewed on the Nomad Capitalist podcast, profiled by Nomad Capitalist on her decision to renounce US citizenship in 2019, and spoke at Nomad Capitalist Live 2025. Heidi lives in Portugal and holds her own Bitcoin in self-custody, which is why the guides she writes about it are so specific.

ALSO BY HEIDI

Books, press & profiles

GUIDES

142 guides by Heidi.

MiningMining

How to Mine Monero (XMR): Tools, Setups, and Rewards

You can mine Monero with the CPU in your computer thanks to its CPU-friendly RandomX algorithm. Download XMRig from its official GitHub, point it at a pool like SupportXMR or P2Pool with your XMR address, enable huge pages, and let it run. Every block pays 0.6 XMR forever. Profitability hinges on electricity: under ~$0.08/kWh you earn a little, above $0.10/kWh you likely lose money.

Heidi Chakos
FundamentalsFundamentals

How to Create Your Own Cryptocurrency

You can create your own cryptocurrency in under ten minutes for less than $5 on an instant launch platform like Pump.fun, spend $50 to $500 on a no-code generator, or pay $5,000 to $50,000+ for custom development. Launching is the easy part. Tokenomics, Howey Test compliance, locked liquidity and a real community decide whether it survives; 53% of tokens launched since 2021 are defunct.

Heidi Chakos
DeFiDeFi

What Is Crypto Bridging and How Do Blockchain Bridges Work?

Crypto bridging moves a token from one blockchain to another through a protocol that either locks the original and mints a wrapped version, or pays you from a liquidity pool on the destination chain. Native Layer 2 bridges (Arbitrum, Optimism, Base) inherit Ethereum's security and are safest; third-party bridges add their own validators and risk. Over $2.5 billion has been stolen from bridges since 2021.

Heidi Chakos
FundamentalsFundamentals

What Is DeSci (Decentralized Science) and How It’s Changing Research

DeSci (Decentralized Science) applies blockchain, DAOs and tokenized ownership to research so funding is voted on transparently, findings are published openly, peer reviewers get paid and discoveries can be co-owned through IP-NFTs. It does not replace universities or journals; it fills the gaps they leave. VitaDAO has deployed over $10 million across 20+ longevity projects, and HairDAO was the first DAO to file a patent.

Heidi Chakos
Regulation & TaxRegulation & Tax

What Is KYC in Crypto? Know Your Customer Explained

KYC (Know Your Customer) in crypto is the identity verification a centralized exchange or fiat onramp runs before you can deposit money, trade or withdraw: a government ID, a selfie or liveness check, and proof of address. Platforms require it to satisfy anti-money-laundering rules and keep their banks. Self-custody wallets and decentralized exchanges never ask for ID.

Heidi Chakos
BitcoinBitcoin

What Is Wrapped BTC (WBTC)

Wrapped Bitcoin (WBTC) is an ERC-20 token on Ethereum backed 1:1 by real Bitcoin held by custodians such as BitGo. It lets Bitcoin holders lend, trade and earn yield in DeFi without selling their BTC. The trade-off is trust: you swap Bitcoin's trustless model for custodial, smart contract and peg risk, so it suits active DeFi users rather than long-term cold storage.

Heidi Chakos
AnalysisAnalysis

What Is a Crypto Whale and Why Do They Matter?

A crypto whale is an individual or entity holding enough cryptocurrency to influence prices when they move funds, roughly 1,000 or more BTC or 10,000 or more ETH. Whales include early adopters, institutions, exchanges holding customer funds, and anonymous wallets. Their transfers move markets partly through the trades and mostly through how smaller holders react, so treat whale alerts as context, not a trading signal.

15 min read/Heidi Chakos
BitcoinBitcoin

How Do Bitcoin ATMs Work? A Beginner’s Guide

Bitcoin ATMs are cash-to-crypto kiosks run by private operators, not banks. You verify a phone number, scan your wallet's QR code, feed in cash, and the machine buys Bitcoin through an exchange and sends it to your address within minutes. Total fees typically run 10 to 25%, versus under 1% on online exchanges, so they only make sense for small, urgent cash purchases.

Heidi Chakos
MiningMining

What Happens When All The Bitcoin Is Mined?

When all 21 million Bitcoin are mined, around 2140, block rewards stop and miners earn only transaction fees, a gradual handoff driven by halvings every four years. As of January 2026 about 19.6 million BTC (93.3%) already exist, with roughly 450 new coins a day at the 3.125 BTC reward. Security will then depend on fees being worth enough to keep miners running.

16 min read/Heidi Chakos

EDITORIAL REVIEW

Reviewed by Heidi