Agent skill

Digital Assets

by JoelLewis in JoelLewis/finance_skills

Analyze digital assets including cryptocurrency fundamentals, blockchain mechanics, DeFi protocols, and on-chain metrics.

MITAuto-check passedBusiness, Finance & HR

Install Digital Assets

skills CLI
$ npx skills add JoelLewis/finance_skills --skill digital-assets -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install JoelLewis/finance_skills digital-assets --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/plugins/wealth-management/skills/digital-assets .claude/skills/digital-assets && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
digital-assets
GitHub stars
206
Token cost
~2.2k tokens
SKILL.md length
1,110 words
Files
1
Skills in repo
91
Repo updated
First seen
Licence
MIT

At a glance

Analyze digital assets including cryptocurrency fundamentals, blockchain mechanics, DeFi protocols, and on-chain metrics.

  • The user asks about crypto investing
  • SKILL.md covers Core Concepts, Key Formulas, Worked Examples and Common Pitfalls, plus 1 more section
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
  • Impermanent loss

What it does

Digital Assets is an agent skill from JoelLewis/finance_skills. Analyze digital assets including cryptocurrency fundamentals, blockchain mechanics, DeFi protocols, and on-chain metrics. Use when the user asks about crypto investing, Bitcoin, Ethereum, staking yields, DeFi lending, impermanent loss, or on-chain valuation metrics. Also trigger when users mention 'blockchain', 'proof of stake', 'proof of work', 'smart contracts', 'NFTs', 'stablecoins', 'NVT ratio', 'TVL', 'crypto portfolio allocation', 'halving', or ask about risks and returns of cryptocurrency.

Its SKILL.md is about 2.2k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.

It sits in Business, Finance & HR, covering Crypto and DeFi analysis and Smart contracts. It works with Ethereum and Bitcoin. The repository describes itself as: Claude Code skill plugins for financial services — 81 skills across 7 domain plugins covering investment management, compliance, advisory practice, trading, and operations. The licence is MIT.

When your agent uses it

  • The user asks about crypto investing
  • Impermanent loss
  • On-chain valuation metrics
  • Users mention blockchain

Example prompts

  • “blockchain”
  • “proof of stake”
  • “proof of work”
  • “/digital-assets”

What it can do on your machine

Read from SKILL.md and the folder at commit 5c498ea. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Digital Assets loads about 2.2k tokens when it runs. Until then it costs about 129 tokens; SKILL.md has 1,110 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~129
When it runs · the whole SKILL.md, loaded when a task matches
~2.2k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from JoelLewis/finance_skills at commit 5c498ea, republished under its MIT licence (© JoelLewis). 1,110 words, ~2,174 tokens.

Download SKILL.mdSave it as .claude/skills/digital-assets/SKILL.md (or your agent's skills folder).
name
digital-assets
description
Analyze digital assets including cryptocurrency fundamentals, blockchain mechanics, DeFi protocols, and on-chain metrics. Use when the user asks about crypto investing, Bitcoin, Ethereum, staking yields, DeFi lending, impermanent loss, or on-chain valuation metrics. Also trigger when users mention 'blockchain', 'proof of stake', 'proof of work', 'smart contracts', 'NFTs', 'stablecoins', 'NVT ratio', 'TVL', 'crypto portfolio allocation', 'halving', or ask about risks and returns of cryptocurrency.

Digital Assets

Core Concepts

Blockchain Fundamentals

A distributed ledger maintained by a network of nodes. Transactions are grouped into blocks, cryptographically linked in sequence. Immutability comes from the chain structure — altering any block requires recomputing all subsequent blocks. Consensus mechanisms determine how the network agrees on the valid state of the ledger.

Consensus Mechanisms

Proof of Work (PoW): Miners compete to solve computational puzzles. The winner adds the next block and earns a reward. High energy consumption but battle-tested security (Bitcoin). Security scales with hash rate.

Proof of Stake (PoS): Validators lock up tokens as collateral ("stake"). Block proposers are selected based on stake weight. Slashing penalizes malicious behavior. Far more energy-efficient than PoW. Ethereum transitioned to PoS in September 2022.

Bitcoin

Fixed supply of 21 million coins, enforced by protocol rules. Block reward halves approximately every 4 years (halving cycle), reducing new supply issuance. The block reward is 3.125 BTC following the April 2024 halving (next halving expected ~2028, dropping to 1.5625 BTC). Mining reward = block reward + transaction fees. Scarcity narrative drives the "digital gold" thesis.

Ethereum

The leading smart contract platform. The Ethereum Virtual Machine (EVM) executes arbitrary programs (smart contracts). Gas fees compensate validators for computation. EIP-1559 introduced a base fee that is burned (destroyed), making ETH potentially deflationary when network usage is high. The merge to PoS (Sept 2022) reduced energy usage by ~99.95%.

Staking Yield

For Proof of Stake networks:

Staking Yield = (Rewards + MEV Tips - Validator Costs) / Staked Amount

Rewards come from new token issuance and transaction fees. MEV (Maximal Extractable Value) provides additional income from transaction ordering. Validator costs include hardware, bandwidth, and the risk of slashing. Real yield (after accounting for inflation of token supply) can be significantly lower than nominal yield.

DeFi (Decentralized Finance)
  • Lending protocols (Aave, Compound): Users deposit assets to earn interest; borrowers post collateral to borrow. Interest rates are algorithmically determined by supply/demand (utilization rate).
  • DEXs (Uniswap, Curve): Decentralized exchanges using automated market makers instead of order books. Liquidity providers deposit token pairs and earn trading fees.
  • Yield farming: Deploying capital across DeFi protocols to maximize yield, often involving multiple protocol interactions and leverage.
Automated Market Maker (AMM)

The constant product formula: x * y = k

where x and y are the reserves of two tokens in a liquidity pool. Price is determined by the ratio of reserves. Large trades cause slippage (price impact proportional to trade size relative to pool depth).

Impermanent Loss

The loss that liquidity providers experience relative to simply holding the tokens when prices change:

IL = 2 * sqrt(p_ratio) / (1 + p_ratio) - 1

where p_ratio = new_price / old_price for one token relative to the other. At a 2x price change, IL is approximately 5.7%. At a 5x change, IL is approximately 25.5%. "Impermanent" because the loss reverses if prices return to original levels — but it becomes permanent if the LP withdraws at diverged prices.

On-Chain Metrics
  • NVT Ratio (Network Value to Transactions): Market cap / daily transaction volume (on-chain). Analogous to P/E for equities. Higher NVT suggests overvaluation relative to network usage.
  • Active addresses: Number of unique addresses transacting daily. Proxy for network adoption.
  • Hash rate (PoW): Total computational power securing the network. Higher hash rate = more security.
  • TVL (Total Value Locked): Total value of assets deposited in DeFi protocols. Measure of DeFi ecosystem size.
Stablecoin Types
  • Fiat-backed (USDC, USDT): Each token backed by reserves of fiat currency or equivalents. Centralized issuance and custody.
  • Crypto-backed (DAI): Overcollateralized with cryptocurrency. Decentralized but capital-inefficient.
  • Algorithmic: Maintain peg through minting/burning mechanisms without full collateral backing. Higher risk of de-peg (e.g., UST/Luna collapse in 2022).
Token Valuation

No universally accepted model. Approaches include:

  • NVT ratio (compare to peers and historical range)
  • Fees/revenue analysis (protocol revenue as proxy for earnings)
  • TVL multiples (market cap / TVL)
  • Fully diluted valuation (FDV) vs circulating supply market cap
  • Discounted cash flow on protocol fee revenue (experimental)
Custody

Self-custody: Hardware wallets (Ledger, Trezor) or software wallets. User controls private keys. "Not your keys, not your coins." Risk of loss if keys are lost.

Custodial: Exchanges (Coinbase, Kraken) or qualified custodians hold assets on behalf of users. Convenience but counterparty risk (e.g., FTX collapse).

Show full SKILL.md (427 more words)Show less
Regulatory Considerations

Regulatory treatment is evolving. In the US, crypto is generally treated as property for tax purposes — each sale, exchange, or use is a taxable event. Securities classification (Howey test) remains contentious for many tokens. Regulatory clarity is improving but varies significantly by jurisdiction.

Key Formulas

FormulaExpressionUse Case
Staking Yield(Rewards + MEV - Costs) / Staked AmountValidator return
Impermanent Loss2*sqrt(p_ratio)/(1+p_ratio) - 1LP loss from price divergence
AMM PricePrice_x = y/x (for token x in terms of y)DEX pricing
NVT RatioMarket Cap / Daily On-Chain Tx VolumeNetwork valuation metric
Real Staking YieldNominal Yield - Token Inflation RateInflation-adjusted return

Worked Examples

Example 1: Staking Yield on Ethereum

Given: 32 ETH staked (one validator), 4.5% APR nominal yield, ETH price = $3,000 Calculate: Annual rewards in ETH and USD Solution: Annual ETH rewards = 32 ETH × 4.5% = 1.44 ETH Annual USD value = 1.44 ETH × $3,000 = $4,320 Total staked value = 32 × $3,000 = $96,000

If ETH supply inflation is approximately 0.5% per year (net of EIP-1559 burns), the real staking yield is roughly 4.5% - 0.5% = 4.0%. Note that the USD return depends entirely on ETH price changes — a 10% decline in ETH price would far exceed the 4.5% staking yield.

Example 2: Impermanent Loss Calculation

Given: A liquidity provider deposits equal value of ETH and USDC into a Uniswap pool. ETH price doubles from $2,000 to $4,000. Calculate: Impermanent loss Solution: p_ratio = $4,000 / $2,000 = 2.0 IL = 2 × sqrt(2.0) / (1 + 2.0) - 1 IL = 2 × 1.4142 / 3.0 - 1 IL = 2.8284 / 3.0 - 1 IL = 0.9428 - 1 = -0.0572 = -5.72%

The LP's position is worth 5.72% less than if they had simply held the tokens. If the pool earned 8% in trading fees over the period, the net return is 8% - 5.72% = 2.28% — still positive but substantially reduced. If ETH had tripled (p_ratio = 3), IL would be approximately 13.4%, potentially exceeding fee income.

Common Pitfalls

  • Confusing APR with APY — compounding matters significantly at high yield rates (100% APR ≈ 171.8% APY)
  • Impermanent loss can exceed trading fee income — LPs can have negative returns even in active pools if price divergence is large
  • Smart contract risk in DeFi protocols — bugs, exploits, and rug pulls can result in total loss of deposited funds
  • Comparing crypto "yields" to traditional fixed income — very different risk profiles; crypto yields compensate for smart contract risk, impermanent loss, token price volatility, and regulatory uncertainty

Cross-References

  • historical-risk (wealth-management plugin): volatility and risk measurement (crypto exhibits extreme volatility)
  • currencies-and-fx (wealth-management plugin): stablecoin and crypto-fiat exchange dynamics
  • alternatives (wealth-management plugin): crypto as an alternative asset class
  • tax-efficiency (wealth-management plugin): cryptocurrency tax reporting and optimization

© JoelLewis, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

Just SKILL.md in plugins/wealth-management/skills/digital-assets of JoelLewis/finance_skills.

Open the folder on GitHubat commit 5c498ea

Compare with similar skills

Digital Assets next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Digital Assets compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Digital Assets this skillJoelLewis/finance_skills206—~2.2kAutomated safety check: PassMIT
SurfBlockRunAI/ClawRouter6.6k—~4kAutomated safety check: PassMIT
Payram Crypto PaymentsPayRam/payram-mcp158—~2kAutomated safety check: NotesNone
Emblemai Crypto Walletsickn33/agentic-awesome-skills47k2 repos~669Automated safety check: PassMIT
Aomi Transactsickn33/agentic-awesome-skills47k1 repos~2.3kAutomated safety check: PassMIT
Blockchain Developeraiskillstore/marketplace4337 repos~2.5kAutomated safety check: PassNone

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Works with

Questions about Digital Assets

What does Digital Assets do?

Analyze digital assets including cryptocurrency fundamentals, blockchain mechanics, DeFi protocols, and on-chain metrics. Digital Assets is an agent skill from JoelLewis/finance_skills. Analyze digital assets including cryptocurrency fundamentals, blockchain mechanics, DeFi protocols, and on-chain metrics.

When should I use Digital Assets?

Digital Assets fits situations like: the user asks about crypto investing; impermanent loss; on-chain valuation metrics; users mention blockchain.

How do I install Digital Assets in Claude Code?

Run `npx skills add JoelLewis/finance_skills --skill digital-assets -a claude-code`. Or copy the skill folder (plugins/wealth-management/skills/digital-assets in JoelLewis/finance_skills) into .claude/skills/digital-assets in your project. Claude Code loads it when a task matches its description.

How do I install Digital Assets in Codex?

Run `npx skills add JoelLewis/finance_skills --skill digital-assets -a codex`. Or copy the skill folder (plugins/wealth-management/skills/digital-assets in JoelLewis/finance_skills) into .agents/skills/digital-assets in your project. Codex loads it when a task matches its description.

Can I use Digital Assets in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add JoelLewis/finance_skills --skill digital-assets -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/digital-assets, .gemini/skills/digital-assets, .github/skills/digital-assets and .opencode/skills/digital-assets in your project.

What does Digital Assets need to run?

SKILL.md names no scripts, command-line tools or credentials: Digital Assets is instructions for the agent only.

Does Digital Assets access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Digital Assets safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Digital Assets use?

Digital Assets is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Digital Assets use?

About 2.2k tokens (SKILL.md is roughly 8.7k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Digital Assets?

Skills that share tags, products or a category with Digital Assets: Surf (BlockRunAI/ClawRouter, 6.6k stars), Payram Crypto Payments (PayRam/payram-mcp, 158 stars), Emblemai Crypto Wallet (sickn33/agentic-awesome-skills, 47k stars) and Aomi Transact (sickn33/agentic-awesome-skills, 47k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Digital Assets?

JoelLewis (a GitHub user) maintains it in JoelLewis/finance_skills, which has 206 GitHub stars. The repository holds 91 skills in this directory. The repository was last updated on July 18, 2026.

Source: JoelLewis/finance_skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.