Niall O'Riordan Money

26/08/2026

New on the blog: "Tax Basics for Crypto in the UK — Record-Keeping and Common Mistakes"

A lot of crypto investors don't realise how wide HMRC's net actually is. Swapping one coin for another, even stablecoin to stablecoin, is a taxable event. Staking rewards count as income, not just capital gains. And from January 2026, UK exchanges will be reporting user data directly to HMRC.

Our latest post breaks down the basics: Capital Gains Tax vs Income Tax, the £3,000 annual CGT allowance, HMRC's cost-basis matching rules, and the record-keeping habits that will save you a headache later.

Read it here:

17/08/2026

Crypto mining and the environment — what's actually true in 2026? 🌍

Our new blog post cuts through the noise on energy use, emissions and e-waste, and looks at the real progress the industry has made (hint: it's more than you'd think). No hype, just facts.

Link in bio to read the full breakdown ⬇️

Let me know if you'd like these adjusted for length, tone, or if you want hashtags added for any platform.

If you've spent any time in crypto circles, you've heard the line: "Bitcoin is boiling the oceans." You've probably also heard the rebuttal: "Actually, mining is greener than you think." Both camps throw around numbers, and both are usually cherry-picking. So let's slow down and look at what's actua...

22/07/2026

New blog post: What Are Memecoins, And What Do They Reveal About Markets?

Memecoins aren’t just jokes — they’re a window into market sentiment, speculation, and risk appetite (and how fast narratives spread in crypto).

Read: https://www.rfr.bz/f880a8b56

Memecoins are cryptocurrencies born from internet culture—tokens inspired by jokes, viral moments, and community identity. They can look irrational, but they’re useful because they reveal how markets really behave when attention and emotion drive price.

17/07/2026

New blog drop: What Is On-Chain Data, And What Can It Tell You?

If you’ve ever wondered how traders “read the blockchain,” this post breaks down what on-chain data is, what it can reveal (whale moves, exchange flows, holder behaviour), and the key limitations.

Read it here: https://www.rfr.bz/f87524b1b

On-chain data is information recorded directly on a blockchain (like Bitcoin or Ethereum). Because blockchains are public ledgers, this data lets you see what’s happening on the network itself—not just what the price is doing on exchanges.

19/06/2026

New blog: 5 Common Crypto Scams (and how to spot them early).

From “guaranteed returns” to fake giveaways, impersonation, phishing, and rug pulls—here are the red flags to watch for so you can slow down and stay safe.

Read:

Crypto moves fast, and that speed is exactly what scammers rely on. The good news is that most scams follow repeatable patterns. If you learn the red flags, you can spot problems early and keep your funds safe.

10/06/2026

Just published a new post: Volatility 101 — why crypto moves so fast (and how to stay calm)

A practical guide to understanding the swings and keeping your head when the market gets noisy

Read More Here:

Crypto can feel like a rollercoaster: prices jump, crash, and reverse in minutes. That speed is not random. It comes from how crypto markets are built and how people trade them. Once you understand the mechanics, it gets much easier to stay calm and make better decisions.

14/05/2026

New blog entry!

Ever wondered why some crypto projects are called *coins* and others are *tokens*? I’ve just put together a quick, no-nonsense guide that makes it easy to remember.

Read it here: https://www.rfr.bz/fe33e8c

If you are new to crypto, one of the first terms you will hear is the difference between coins and tokens. People often use them as if they mean the same thing. They do not. Understanding the difference matters because it helps you judge what you are buying, what problem a project is trying to solve...

16/04/2026

Just published: The Basics - What Cryptocurrency Is And Why It Matters In 2026 🚀

If you have been wondering what cryptocurrency really is and why it still matters in 2026, this new post breaks it down in a clear and simple way.

Read it here: https://www.rfr.bz/ff91638

Cryptocurrency is digital money secured by cryptography that can be sent directly between people, without a bank sitting in the middle of every transaction. Coins (like Bitcoin) typically run on their own blockchains, while tokens (like many assets on Ethereum, Solana, and other networks) live on to...

21/12/2023

Meme coins may seem whimsical, but their popularity highlights the power of community-driven projects in the crypto space. Approach these coins with caution and research!

18/12/2023

Crypto lending and borrowing platforms are redefining the borrowing landscape. Explore these platforms to earn interest on your crypto holdings or learn more on my blog:

Read writing from Niall O'Riordan on Medium. As a seasoned businessman in the world of cryptocurrencies, I am on a mission to unlock the future of finance, one digital coin at a time.