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Tokenizing Salaries and stock options – Considerations for compensating employees in cryptocurrencies



Tokenizing Salaries and stock option for compensating employees

If we were to live in a world driven by Artificial Intelligence run on Blockchain, we cannot rely on old methods of commerce. One of these is how compensating employees in advanced way.

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Binance compensating employeesBinance made news when they disclosed that 90% of their employees choose to get paid in BNB Tokens. There were many companies that disclosed that their employees were given a choice of receiving a portion of their salary in Cryptocurrency.

While 2018 was a letdown year in the cryptocurrency space, it has been an encouraging one for the Blockchain space in general. Many of the Fortune 500 companies have been exploring the use of Blockchain technology in their business.

In view of the potentiality that we may see employees getting paid in cryptocurrencies, we will look at various aspects related to tokenizing salaries.

In this article, we will discuss:  

  • Legality of virtual currency in your country
  • Does your country allow it?
  • Will you pay in tokens, coins or stable coins, and why it’s important to know?
  • Benefits of paying in Crypto
  • Pitfalls of paying in Crypto
  • Can you pay 100% in Cryptocurrency?
  • Legally written consents from employees
  • Volatility as a primary factor
  • Tokens in lieu of stock options
  • Lock-in considerations
  • Insider trading considerations
  • Sec 83(b) considerations
  • Signature considerations
  • Employee advance tax payment considerations
  • Valuation considerations
  • International workforce
  • Don’t forget the Tax withholdings

Legality of virtual currency in your country for compensating employees

Virtual currencyThe first question you need to answer before going Crypto compensation route is the legality of virtual currency in your jurisdiction.

For instance, China and India have not taken a friendly stance on crypto and it is a good bet that, at this time, these countries would not allow salaries paid in Crypto.

In the United States, you have to be careful about the minimum wage and State regulations requirements of the State in which you operate and whether that State particularly allows you to pay in cryptocurrencies.

Good References here:



Does your country ALLOW it?

crypto friendly countryJust because crypto is not banned or even encouraged in the fintech space in your country doesn’t automatically grant you rights to pay in crypto.  For instance, the basic compensation payout may be forced to be paid in ‘fiat’ currency.

Supplemental income like bonuses, allowances or stock options etc. may be allowed to be paid in whatever employer and employee agree on, including virtual currencies.

IRS Notice 14-21  clarified that virtual currency can be remitted for goods and/or services received, including wages.  However, both Federal and State regulations may need for a certain amount of income to be paid out in fiat currency to meet the federal, state and social tax withholding obligations since most of the States do not accept crypto tax payments.

Germany has opined that claim for salary remains outstanding if it is not settled in Euro, however, it doesn’t imply a prohibition on paying in crypto for benefits-in-kind (benefits that Employer chooses to pay but is not obligated by law).

Will you pay in tokens, coins or stable coins, and why it’s important to know?

pay stable coins compensating employees

Another good reference here:

Tokens can be further segmented into utility tokens and security tokens.  Paying compensation with utility tokens may not pose many complications (other than your compensating employees agreeing to receive them in-lieu of compensation), however, paying in security tokens will need to be in line with stock option rules, including statutory income tax withholding implementation (which still happens in traditional fiat).

When you pay out in coins, the fair market value as of the date/time of the payout is captured for compensation reporting purposes.

Stable coins probably might become a staple thing in the crypto space since they fit both the notion of ‘crypto’ and guarantee of ‘fiat’.

How the accounting, payroll, tax withholding, and payout structure works really depends on what you offer to your employees.

Obviously, there is ample room for interpretation since most Government agencies around the world, including the United States, have not provided clear guidance around token salaries or other forms of crypto transactions.

Benefits of paying in Crypto

advantages of crypto

Why talk about paying in Crypto unless they provide certain benefits?

Here are some:

  • Increases employee engagement: when you know the value of your tokens (similar to stock options) depends on the success of your company


  • Increases employee retention: the tech industry faces one of the worst retention rates, having conditional vesting of crypto (in the format of stock options) helps retain employees for the long run
  • Global demand: Unlike stocks, you are not restricted to just one geographic location – you can sell your crypto on exchanges that trade and have a global market place. Of course, this global demand is true for successful projects
  • Long-term compatibility: Bitcoin went from $1800 in Mid 2017 to $19000 by the end of 2017 and settled around $4000 by end of 2018.  If you were to just look at year on year trajectory – Bitcoin has done marvelously well than any other asset class, however, imagine getting paid in Bitcoin when it was $19,000 and sitting on it today when it’s only worth $4,000.  That kind of massive volatile risk is not an issue with fiat incentives or traditional stock options.  If you tie company tokens as an incentive – it could encourage employees to stick around longer and work harder.

Pitfalls of paying in Crypto

Disadvantages of crypto

It’s not all rosy and dandy – there are some pitfalls of paying in crypto:

  • Freefall Crypto can fall to a value of zero.  Many projects since their inception have. For this reason, employees may not want to be paid in a currency that may one day have no value
  • Lack of regulatory guidance: Recent SEC actions have put crypto space in a panic state. No one knows what type of action SEC is going to take against Crypto companies and how that impacts the value
  • No protection: Federal Trade Commission has been warning people about the volatility issues with transacting in Bitcoins, FTC has even warned that there is no government protection available to people dealing in cryptocurrencies that are otherwise available to traditional financial instruments.

Can you pay 100% in Cryptocurrency?

As we discussed earlier, and it bears repetition, many jurisdictions have restrictions on how the base pay is paid.  This restriction makes sense in the current economic model since most Government, especially National agencies, have not come to accept cryptocurrencies as legal tender.

The answer for most jurisdictions is that – you cannot pay 100% in cryptocurrency.  Even for most progressive companies and employees – this restriction acts as an anchor to the old fiat system.

Legally written consents from employees

As progressive and accommodating as your employees may be – it is very important to have written confirmation that your employees have agreed to receive their bonuses and supplemental wages in cryptocurrency (whether it is your own company tied crypto or crypto from the market).

Having written consents that disclose the risks of accepting cryptocurrency in the current financial system and possibility of them losing all of their value and point about them being issued at fair market value at a certain date are all important aspects you want to include in the letter, will help you any legal proceedings down the line.

Volatility as a primary factor

crypto volatility

If you ask HODLers – they will tell you that ‘Volatility is the worst thing’, while day-traders may say volatility is the only reason they are in Crypto space.

Employees are different than HODLers and traders – they have other tasks to do – like making your project successful.  When thinking to issue tokens in lieu of compensation consider incorporating some kind of safety threshold so that employees are not always worried about the market, that takes their focus away from the project.

This safety threshold might include – locking some value of crypto in stable coins or having collateral in fiat, or tying physical assets (like real estate) to the tokens issued, etc.

Tokens in lieu of stock options

crypto and stocks

We expect 2019 to be the year when Security Tokens (STOs) will become popular.  STOs will mark a massive shift in the financial market and how capital is accessed.  When the rules become clearer – companies working in the crypto space can legitimately use ‘crypto’ instead of traditional securities.

For now, based on what we know to apply for the traditional stock options, here are a few considerations you must think about when paying stock options in crypto: 

  • Lock-in considerations
    • How long does it take for the restrictions to pass? Is it too soon or too taxing?
  • Insider trading considerations
    • Being so integral within the company – will you run into insider trading issues down the line? Will tying employees with crypto backfire when an insider trading news breaks out?  What countermeasures do you have in place to save the brand/company?
  • Sec 83(b) considerations
    • Will employees have the option to elect 83(b) election? Many industry experts weigh in that restricted tokens should fall within the purview of 83(b) that help taxpayers make the election to get taxed on grant instead of at vesting.  The clock for capital gains treatment then starts on Grant date.  This is a positive thing for the company because the employee is betting on an increase in company and its tokens worth.

From employees standpoint – this is a risky deal especially if the said tokens fall in value – the taxes paid ahead on ‘fair market value’ will not be recoverable.

  • Signature considerations
    • How are you collecting signatures when (and if) you end up issuing security tokens with restrictions? What framework do you have to issue security tokens and have employees provide their consent to the vesting schedule and restrictions?
  • Employee advance tax payment considerations
    • All of our discussion assumes that employees are willing and able to pay taxes in regular fiat while receiving stocks in tokens. Even if employees want to sell some of the crypto tokens to pay for taxes – there may or may not be market to trade for specific tokens. In such a situation – how are employees going to accommodate tax payments?

Valuation/liquidity considerations

2018 crash of crypto market is a stark reminder for all of us as to how things can turn.  Many projects were wiped out of the crypto world due to liquidity issues.  What happens if your company faces such a crisis and there is no one to buy the tokens?  How then are these employees going to be made good?  Is there a buy-back program? If so, will the company be able to sustain such plan and still thrive in business?

International workforce

crypto adoption

Companies like Bitwage and SalPay are accommodating paying in crypto and seamlessly convert them into fiat (or other cryptos) on the receiver’s side, no matter where the receiver lives.  They boast the ability to comply with the payroll regulations in many jurisdictions.

Of course, there is the cost of service, but if successful, the cost may be minuscule compared to the benefits.

International wage settlement will become much simplified when cryptocurrencies are used, as they are valued/accessible/deliverable globally.

US dollar will not be the same in India but Bitcoin is a Bitcoin no matter which part of the world you live in.  While we are still working on adoption – once crypto is accepted in more locations – these international pay settlements in crypto could become THE norm.

Don’t forget the Tax withholdings

As an employer, you are required to withhold taxes on ALL income paid to employees.  This means – both employer and employee tax remittances have to be made in national fiat currency.  Do you have a plan and reserves to meet these withholding requirements in fiat while you deliver some of the compensation items in crypto?

Conclusion: Bringing it all together

As you can see, a simple idea of compensating employees in cryptocurrency carries with it a staple of complex payroll, tax and compensation considerations that need to be addressed with professional help.  Ask all the questions ahead of time and not after hitting a regulatory wall.

It is possible to pay in crypto, as long as the all legal and regulatory aspects are addressed.

All of these complications will be eventually addressed in the crypto space and we will see companies joining forces in paying employees in tokens, whether its utility tokens or security tokens.

Thank you for reading this article.


Everything in this article is an opinion, not an advice of any kind. This material has been prepared for general informational purposes only and it is not intended to be relied upon as accounting, tax, investment, legal or other professional advice. Please consult with a professional for specific advice.

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About the author

RK Reddy holds two Masters degrees, one in Accounting and another in Business Administration with over 15 years of experience in the financial services industry.

RK Reddy is an ardent fan of Blockchain and Cryptocurrencies. You can see the excitement about this new technology in every article on Cryptotapas.com. Sometimes this excitement leads to an overly optimistic view. Guilty as charged. RK Reddy says what may seem like an ‘overly optimistic expectation’ today may become an everyday norm in 5-10 years; look at the history of cars or airplanes, Blockchain and Cryptocurrencies belong to a similar frame of reference.”  Of course, that is just his opinion.


6 Massive Benefits of Cryptocurrency



Benefits of Cryptocurrency

It is normal to be hesitant about using cryptocurrency as the medium of financial transactions. 

There is a school of thought which believes, it is a domain suitable for criminals, fraudsters, and terrorists. Cryptocurrencies allow them to maintain anonymity for discreet transactions and ransomware scams.

However, the increasing acceptance of Bitcoin as a digital currency has initiated a positive perspective around this mode. It brings a distinct set of pros for the users, making them overlook the risks tag along.

According to the Finder, a post on social media surfaces about Bitcoin every three seconds. If we do the math, it means 1203 posts pop up per hour, making it to 20 posts per minute.

A more general view on the crypto landscape speaks of its overall growth, too. Block Social tells us how cryptocurrency exchanges around the globe have exceeded 300 during 2020.

In fact, the success of crypto shows us the loopholes of the traditional banking system. If you, too, want to leap on this bandwagon and aren’t sure about your next move, this is the right place. Our blog sheds light on the positive aspects of cryptocurrency that make it a more established form of financial trade. 


1. Easy transactions

When dealing with brokers or legal representatives, you have to pay the transaction fee from time to time. This comes along with immense paperwork, commission, brokerage charges, and so much more. Using cryptocurrency eliminates the need for a middle man. The transaction changes into a one-to-one affair taking place on a secure network.

No wonder Forbes stated that adopting blockchain technology can save financial organizations around $12 billion yearly. A deduction of extra charges from third parties and reduced operations cost is saving millions for huge organizations.

Moreover, the transactions are transparent, making it easier for you to establish audit trials. There is no more confusion over who pays whom. All parties involved in the transaction know each other quite well. Accountability on each party grows.

2. Asset transfers

A financial analyst rightfully describes cryptocurrency blockchain to be a “large property rights database.” On the one hand, it helps execute and enforce two-party contracts on commodities such as real estate and automobiles. At the same time, it also facilitates special modes of transfer. 

As per Born2Invest, Bitcoin alone is responsible for an average of 350 000 daily transactions on the Blockchain. Meanwhile, Coinbase has 30 million cryptocurrency users (Block Social). The increasing figures of each crypto speak of its acceptance worldwide.

The parties involved in asset transfer can design contracts and add third-party approvals at a later date. It also helps to reference the external facts and gives the parties exclusive governance of their account. It reduces the time and money involved in asset transfers. Perhaps this is why US federal government spending on Blockchain shall reach $123.5 million by 2022.

3. Confidential transactions

Cryptocurrency purchases remain discreet. Unless a user voluntarily publishes his transactions, the purchase is never associated with their identity. In official scenarios, such as when you put your cars for sale, the parties must reveal an association with their cryptocurrencies. It helps to establish trust and relevance.

Within the cash/credit system, your entire transaction history turns into a reference document for the banks/credit agencies involved. On the contrary, cryptocurrency is a transaction that is a unique exchange between two parties. They can negotiate and agree on preferable terms. The information exchange takes place on the “push” basis. This means you transmit only that which you wish to send to the recipient and nothing else.

It keeps your financial history secure and guards you against identity theft. Chances of which are quite high under the traditional transaction system. 

On top of this, the combination of Blockchain with IoT is considered revolutionary by the experts. This has accelerated data exchange, lowering the operation costs, and improved the security of files. Your Tech Diet predicted that 75% of the IoT industry would adopt Blockchain technology by the end of 2020. Lack of exposure is, thus, something the entire industry is looking for.

4. Transaction Fee

You have probably faced hefty monthly account statements from your bank/credit companies. The transaction fee charged at every transaction you have made might leave you shocked. The whopping fee of multiple transactions can take you by surprise at the end of each month.

In the case of cryptocurrency exchange, the data miners receive their share from the cryptocurrency network involved. Transaction fee does not apply as the remote and separate computer systems that do the number-crunching get a pretty fair share. 

According to Investopedia, the Bitcoin reward for miners halves for every 210 000 blocks added to the chain. Nonetheless, this system has freed the transaction parties to pay the fee, making it the most feasible. 

However, there might be some external fee involved if you engage a third-party management service to maintain the crypto wallet. These charges are likely to be quite less than the transaction charges levied by the traditional banking system. 

5. Hold Ownership

The traditional banking system works in a manner where the amount goes to the nominee if a person passes away. The chances of the account closing are quite high when you infringe the terms of their services. Unlike this framework, digital currencies give you the sole ownership of private and public encryption keys. This makes it easier for you to identify the encryption network.

6. High security

Once a party authorizes the cryptocurrency transfer, they cannot reverse it. This is not the case in “charge-back” transactions allowed by the credit companies. Cryptocurrency gives you reliable encryption throughout the transaction process to keep it protected from bugs and malicious entities.

Systems like Binance Smart Chain are enabling people to do more with BTC.

Final Thoughts 

Cryptocurrency is taking the financial world by storm, and we know the reasons why. It is about time you kickstart your digital finances journey and make the most out of it. Who knows what surprises are about to come later in this landscape!

Thank you for reading and sharing this article. We appreciate you.

Stay safe and healthy!

Top 5 Cryptocurrencies 2020


Everything in this article is an opinion, not an advice of any kind. This material has been prepared for general informational purposes only and it is not intended to be relied upon as accounting, tax, investment, legal or other professional advice. Please consult with a professional for specific advice.

We do not endorse or guarantee the accuracy of the information and claims made.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

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Cardano or PolkaDot? Which One to Invest In?



Cardano vs Polkadot

There is a new battle in the crypto space.  Cardano (ADA) and PolkaDot (DOT) maximalists are headbutting as to which project is better and why.

The conversations are intense to say the least and we will try to provide our view on which one we are leaning toward and the reasons why, in this rather short article.

Just to be clear, we are invested in both ADA and DOT so we have a vested interest in both projects, however, we are now asked to pick one over the other and that brings us to this article.


The whole spirit of cryptocurrencies is the concept of decentralization, however, some of the more popular projects don’t seem to have a grasp of what that means.

Diem (previously Libra) or XRP etc., are controlled by a group for validators who could, in theory, easily collude, in our view.

With DOT, things are not as centralized as some other projects with about 1000 validators securing the platform.

However, ADA has the most number of nodes and has most of its circulating supply staked on its wallet. The community behind ADA has biggest proponents of decentralized frameworks.

ADA: 8 (top 10 is reserved for BTC)

DOT: 6


Cardano boasts the maximum number of Ph.Ds on its team and has a more decentralized team structure.  You have teams that are working exclusively on wallet and staking while you have other teams focusing on interoperability. Yet, another team is focused on bridging projects from Ethereum to Cardano.

DOT has the ammunition of Gavin behind it. He is undoubtedly one of the brilliant minds in the space. 

However, as we learned in basic math, sum total is always greater than an individual unit.  This applies more aptly with these projects. In our opinion, Cardano has a greater edge when it comes to collective human capital.

Having Charles Hoskinson helps ADAs impression.

ADA: 8

DOT: 6

Social presence

There is no competition when it comes to social presence and engaging the community when it comes to the leaders of these two projects.

While DOT’s founder Gavin might come out as eccentric and polished in the social media, Charles takes the cake in engaging with his audience and making things sensible for the community.

ADA: 9 

DOT: 7

On a mission

Whenever you hear Charles speak about ADA you will immediately understand that he is on a mission to bring the marvels of blockchain enabled financial services to all corners of the world.

Cardano’s team is now focused on the South Africa continent to bring the under-previleged onto the world commerce through their platform. They are even close to signing a contract with Ethiopia government in 2021.

While DOT is catapulting the entire space forward it just lacks the same charm that comes with a project on a grandiose mission.

ADA: 8

DOT: 6 

Miscellaneous considerations 

Market cap: ADA has $20 Billion market cap while DOT has $19 Billion, as such they are on par with each other when it comes to valuation. The large cap is a stamp of approval from the crypto community.

Price: ADA is at around 60 cents while DOT has been stabilising at $20 at the time of this writing. When the newbies come to the market and they see they cannot afford Bitcoin or Ethereum, they will most likely go after the projects that are under $1. This does not mean DOT is inferior, it is just an edge that low priced tokens have over higher priced projects. It’s just a newbie mindset that drives higher demand during bull runs to lower priced projects.

Inflationary supply

DOT has an inflationary supply model while ADAs supply is capped.

Yes, DOTs supply is far larger than DOT, however, there is no new minting on ADA when compared to DOT.


DOTs technology is operational and is onboarding projects already.  ADA is scheduled to launch its mainnet this month (Feb 2021). ADA has been in works for many years now and if their product matches the hype and the wait – then it may not matter as much that they are late to the party. However, if there are issues with their mainnet – it may not bode well for ADA.

Conclusion: Total score

ADA: 33

DOT: 25

If you are a DOT fan you might think this score is skewed.   If you are an ADA fan you might think it should score perfect points in all fronts.

In fact, there are some areas where DOT is a clear winner like having a functioning platform. ADA, in our opinion, takes the prize with clear fandom, gigantic mission and a total brainiac project. 

Thank you for reading and sharing this article. We appreciate you.

Stay safe and healthy!

Top 5 Cryptocurrencies 2020


Everything in this article is an opinion, not an advice of any kind. This material has been prepared for general informational purposes only and it is not intended to be relied upon as accounting, tax, investment, legal or other professional advice. Please consult with a professional for specific advice.

We do not endorse or guarantee the accuracy of the information and claims made.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

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Best of the Best YouTube Channels to Follow for your Crypto Fix



Best Crypto Youtubers

There are literally 100s of crypto-experts on YouTube who claim to have cracked the secret code that can make you millions in crypto riches. 

Who should you follow?  

We have followed many YouTubers, subscribing and unsubscribing to avoid the noise and after having been in this space for over 4 years, we have narrowed our favorite crypto YouTube channels to just a few.

In this article, we will show you our favorite YouTubers and what we like about each one of them. 

Overall number 1: Coin Bureau

coin bureau When it comes to deep analysis, composed demeanor and outright professional crypto channel in the entire space, we have not come across anyone better than Guy.  

Not only is he great at the reviews and in depth analysis, if you have followed the channel long enough you will realize that he reviews the gems long before others pick on the momentum.  

He picks solid projects, never shills a shitty project to his followers and is upfront about his views which he backs up with solid research.

This is the best no-shill and no bull crypto channel on YouTube in our view.

Best original content: Chico Crypto

chico crypto review

If you love a bit of quirky, goofy and somewhat out there viewpoints on the crypto space then there is no one better than Tyler at Chico Crypto. 

His investigation stretches the boundaries of research (and sometimes common sense) but he does do a bang up job on every video.  

I am yet to come across a boring video on this channel.  I will admit that his live streams can be a drag sometimes but his followers seem to relish his presence.

You may not like or agree with what Tyler presents on this channel but you will absolutely be floored by the originality.   

Best TA: TIED: Crypto Capital Venture & Tyler S

                         Crypto Capital Venture Tyler S crypto

With under 90K subscribers at the time of this writing, Dan may not be the most popular of the Crypto channels [yet] but his TA analysis is just so easy to follow.

Dan makes it easy for non-technical folks to understand what’s going on in the market in the language of TA.

There are other folks on YouTube who are good at TA but their videos are so obnoxious that they leave you with a massive headache.  

Not Dan’s Crypto Capital Venture channel.   Dan walks you through the markets in such a calm, composed and professional manner that you might start caring about those candles.

We are forced to share the Best Title for crypto TA on YouTube with Tyler S. 

Tyler’s expertise on TAs is quite awesome and he has a funny way of delivering it too.  

Best expertise on the markets: Alessio Rastani

Allesio RastaniIt doesn’t matter if you are just lurking around the crypto markets or if you trade in the traditional markets…Alessio is one of the best guys on YouTube for great insights into the broad market and its impact on Crypto.

While everyone on YouTube (not the people on this list, of course) is either quick to FOMO or FUD, Alessio is just grounded in fundamentals and technicals.

When you are high on FOMO, he can bring you to the ground.

When you are getting buried in FUD, he can lift you up with facts, not false hopium.

Alessio is personable, professional and an honest guy to follow to understand the markets ahead of others.

Best round up of the market: AltCoin Daily

Altcoin DailyWant to stay up-to-date on what’s happening in the crypto space but don’t have time to keep up?  

Fear not. AltCoin Daily got you covered.

This channel is just a gem among the channels that bring crypto market updates in a concise and palatable format.

You can sense the dedication in the way Austin brings the updates and his opinions in front of his audience. No wonder the channel has recently hit over 420K subscribers.

Best humble and honest take: Crazy 4 Cryptos

Crazy 4 crypto

What does Crypto mean to you?

Most people will say ‘Freedom’, yet, most of the YouTubers we see on the Tube will be broadcasting from their bedrooms or backyards (nothing wrong with that) but not Dave.

He has been in Thailand and streams his videos directly from the beach.

You will immediately connect with his simpleton style and honest reviews.  

He has been touting about Theta when it was trading in cents and now those who followed him are very happy.

Besides Theta, Dave talks about a lot of topics in terms of storing your coins, being careful with people and how to have a long-term plan in space.

Honorable mentions

Team Underground (TA)

We had too many channels to weed out for the TA category and that is why we had to pick two winners, however, Team Underground is a channel we cannot skip.

This underdog channel has been more right about the calls than any other mainstream channel. If you like your TAs and technical side of crypto – be sure to check this channel out.


People either love him or hate him.  There is no middle ground when it comes to BitBoy.  

Personally, we have to weed out a lot of noise while browsing through his channel since he picks a new project every few days (or weeks) and can become overwhelming. 

However, the fresh content is worth the watch.


The guy behind this channel is truly vested in the space. So much so that he recently launched his own crypto project.

It’s definitely refreshing to see the YouTuber taking his expertise into a live project.  

The reason we did not list this channel on the BEST list is because of the constant feed of projects he pitches that is a bit overbearing for our taste.  

Nevertheless, a great channel and great recommendations.


There are 100s of YouTube channels out there but not everyone is worth your attention. We hope you found some channels of interest through this article.

Note: if we missed any gem of a channel, please let us know and we will be more than happy to add it after review.

Thank you for reading and sharing this article. We appreciate you.

Stay safe and healthy!

Top 5 Cryptocurrencies 2020


Everything in this article is an opinion, not an advice of any kind. This material has been prepared for general informational purposes only and it is not intended to be relied upon as accounting, tax, investment, legal or other professional advice. Please consult with a professional for specific advice.

We do not endorse or guarantee the accuracy of the information and claims made.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

Continue Reading