AI Prompt to Learn How a Cryptocurrency Is Assessed, Using a Coin You Hold

What you need

You need the name and ticker of one coin. The financial snapshot template on this page is optional for this prompt, because the lesson is about one asset and its design. Leave it out unless you want the model to know the rest of what you own. The crypto risk check in this library is the prompt that sets crypto against your whole net worth.

Fill in these lines inside the prompt:

• Coin: [name and ticker, e.g. Cardano (ADA)]
• Recent figures, if you have them: [price today with date, change over 12 months, market capitalization]

The second line is optional, but it changes the quality of the answer. A chat model with no web access cannot look up today's figures, so anything it says about current price or size comes either from you or from training data that may be a year or more old. Copy the figures from the coin's page on a data site such as CoinGecko or CoinMarketCap, and note the date you copied them.

If you hold the coin through an exchange-traded product or a fund instead of directly, say so in the coin line. The design of the coin stays the same, but the risks you carry differ, and the model should know which of the two it is describing.

Here is my financial snapshot. Use only these numbers.

Currency: [e.g. EUR]
Date: [today's date]
Age: [optional]

ASSETS
[name] — [category: cash / stocks / ETFs / crypto / property / metals / other] — [value]
[name] — [category] — [value]
...

LIABILITIES
[name] — [type: mortgage / car loan / credit card / student loan / other] — [outstanding balance] — [interest rate if known]
...

CONTEXT (optional but improves the answer)
Monthly income after tax: [amount]
Monthly spending: [amount]
Amount I add to savings or investments each month: [amount]
Value of the same assets 12 months ago: [amount]

The prompt

Copy this exact text and paste it into ChatGPT, Claude or Gemini directly beneath your snapshot block.

You are a crypto analyst and educator. Teach me how a cryptocurrency is assessed,
using this coin as the worked example.

Coin: [name and ticker]
Recent figures, if I have them: [price today with date, 12-month change,
market capitalization]

1. Introduce the core ideas I need first: what a coin's network does, who
   secures it, how new coins are issued and what gives a coin a use.
2. Set out the principles people use to evaluate a coin: supply and issuance,
   security record, decentralization, liquidity, real use and transparency.
   Explain why each one matters.
3. Apply each principle to my coin in turn. Show your reasoning and compare the
   coin with Bitcoin and Ethereum as reference points (if my coin is one of
   them, compare it with the other).
4. Summarize the evaluation and the main risks it exposes, and explain why
   assessing risk comes before any view on price.

Say which facts come from your training data and how old they may be. Use only
the figures I give for price and size; if one is missing, ask me for it rather
than estimating. No price predictions, no buy or sell recommendations, and no
other coins suggested.

What good output looks like

A good answer starts with the groundwork in a few short paragraphs: what the network records, who validates new transactions and how fresh coins enter circulation. It then lists the evaluation principles, with a sentence on why each one matters.

The applied section is the useful part. Each principle gets a short verdict for your coin with the reasoning shown, ideally in a table with columns for your coin, Bitcoin and Ethereum. Where a fact comes from training data, such as a supply cap or a past security incident, the answer says so and gives the year it refers to.

Supply should come with arithmetic. Say a coin has 100 million units in circulation and issues 5 million new ones a year. Supply grows 5% a year, so a holder whose coin count stays the same owns about 4.8% less of the network after a year (1 ÷ 1.05 ≈ 0.952). If the network's total value stays flat, a holding worth 1,000 EUR today is worth about 952 EUR a year later, roughly 23,800 CZK at 25 CZK per EUR.

The conclusion names the two or three risks the evaluation turned up, for example a small group of validators or trading concentrated on one exchange, and explains why those come before any thought about price. It stops there, without a forecast.

What this can't tell you

A chat model without browsing has no live prices, trading volumes or network statistics. It works from what you paste and from training data that ends at a cutoff date, so a recent upgrade, hack or change in issuance may be missing from its picture of your coin.

The principles measure design and track record. They say nothing about where the price goes next, and a coin can score well on every one of them and still lose half its value. Bitcoin and Ethereum serve as yardsticks only.

The answer covers one coin. It ignores the rest of your money, your tax position and the rules on crypto in your country. Recheck any supply figure or percentage it calculates.

Doing this without the retyping

In Sumio, "Cryptocurrency Insights" is one of the 62 prompts built into the AI assistant, which is part of Premium. It runs with one tap on a coin you already track, where the price updates automatically, so there is nothing to look up or paste before you ask. Your records are stored on your device. Running the analysis sends the figures it needs to an AI provider to produce the answer.