Most people think buying crypto is the hard part.

It isn’t.

The harder question comes after:

Who is actually holding it?

When you buy crypto, there are generally three possibilities:

🔐 You hold the keys.

🏢 An exchange holds the keys.

🏦 A regulated custodian holds the keys.

That distinction sounds technical. It isn’t.

It determines what happens if a platform fails, who controls your assets, and whether ownership means what you think it means.

Part 3 of Crypto 101 explores wallets, exchanges, custodians.