{"id":1866,"date":"2021-07-05T21:21:53","date_gmt":"2021-07-05T19:21:53","guid":{"rendered":"https:\/\/simplecryptoguide.com\/?page_id=1866"},"modified":"2026-10-26T13:29:37","modified_gmt":"2026-10-26T12:29:37","slug":"what-is-fiat-currency","status":"publish","type":"post","link":"https:\/\/simplecryptoguide.com\/cs\/what-is-fiat-currency\/","title":{"rendered":"Fiat m\u011bna vysv\u011btlen\u00e1: sledujte pen\u00edze a\u017e k n\u00e1kupu kryptom\u011bn"},"content":{"rendered":"<div data-no-translation><p>[et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-essential-lesson&#8221; custom_padding=&#8221;40px||40px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; background_color=&#8221;#fff8d8&#8243;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;2_3,1_3&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; module_class=&#8221;scg-essential-hero&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;2_3&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; header_font_size=&#8221;42px&#8221;]<\/p>\n<div class=\"scg-essential-breadcrumb\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/div>\n<h1>Fiat m\u011bna vysv\u011btlen\u00e1: sledujte pen\u00edze a\u017e k n\u00e1kupu kryptom\u011bn<\/h1>\n<p>Euro, libra a dolar jsou fiat m\u011bny: pen\u00edze, kter\u00e9 nelze sm\u011bnit za pevn\u00e9 mno\u017estv\u00ed zlata. P\u0159ed n\u00e1kupem kryptom\u011bn rozli\u0161ujte platebn\u00ed m\u011bnu, instituci dr\u017e\u00edc\u00ed pen\u00edze a z\u00edskan\u00e9 aktivum. Zn\u00e1m\u00fd symbol m\u011bny z nich ned\u011bl\u00e1 stejnou pohled\u00e1vku.<\/p>\n<p class=\"scg-essential-task\">V\u00e1\u0161 \u00fakol: sledovat platbu z banky na burzu a spo\u010d\u00edtat dostupnou \u010d\u00e1stku po n\u00e1kladech na vklad a n\u00e1kup.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;1_3&#8243;][et_pb_image _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; src=&#8221;https:\/\/simplecryptoguide.com\/wp-content\/uploads\/2026\/10\/crypto-exchange-fee-calculator.png&#8221; alt=&#8221;Kalkula\u010dka, \u00fa\u010dtenka a mince zn\u00e1zor\u0148uj\u00edc\u00ed n\u00e1klady fiat vkladu&#8221; title_text=&#8221;Kalkula\u010dka, \u00fa\u010dtenka a mince zn\u00e1zor\u0148uj\u00edc\u00ed n\u00e1klady fiat vkladu&#8221; align=&#8221;center&#8221; max_width=&#8221;260px&#8221; custom_margin=&#8221;0px|auto|0px|auto|true|true&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-essential-lesson&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;concept-map&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>M\u011bna a pohled\u00e1vka nejsou tot\u00e9\u017e<\/h2>\n<div class=\"scg-essential-grid scg-essential-flow\">\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">1<\/span><\/p>\n<h3>Hotovost a bankovn\u00ed vklady<\/h3>\n<p>Bankovky jsou pen\u00edze centr\u00e1ln\u00ed banky; z\u016fstatek u komer\u010dn\u00ed banky je pohled\u00e1vkou v\u016f\u010di t\u00e9to bance. B\u011b\u017en\u00e9 platby p\u0159esouvaj\u00ed p\u0159edev\u0161\u00edm vklady, ne hotovost. Banky tvo\u0159\u00ed vklady poskytov\u00e1n\u00edm \u00fav\u011br\u016f, omezen\u00fdm kapit\u00e1lem, regulac\u00ed a popt\u00e1vkou. Pen\u00edze nevznikaj\u00ed pouze tiskem bankovek.<\/p>\n<\/div>\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">2<\/span><\/p>\n<h3>Z\u016fstatek na burze<\/h3>\n<p>EUR z\u016fstatek na kryptoplatform\u011b se \u0159\u00edd\u00ed podm\u00ednkami poskytovatele. Ov\u011b\u0159te, kdo dr\u017e\u00ed prost\u0159edky, podm\u00ednky v\u00fdb\u011bru a p\u0159\u00edpadnou ochranu. Nep\u0159edpokl\u00e1dejte, \u017ee ochrana va\u0161eho bankovn\u00edho \u00fa\u010dtu automaticky kryje pen\u00edze odeslan\u00e9 na burzu.<\/p>\n<\/div>\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">3<\/span><\/p>\n<h3>Token sleduj\u00edc\u00ed m\u011bnu<\/h3>\n<p>Dolarov\u00fd stablecoin je token navr\u017een\u00fd ke sledov\u00e1n\u00ed dolaru, nikoli dolarov\u00fd bankovn\u00ed vklad. D\u016fle\u017eit\u00e9 jsou rezervy, pr\u00e1va na odkup, riziko emitenta a blockchain. Cena bl\u00edzko jednoho dolaru nezaru\u010duje p\u0159\u00edm\u00fd odkup u emitenta ani zachov\u00e1n\u00ed ceny.<\/p>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-essential-lesson&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;walkthrough&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>P\u0159ed platbou ov\u011b\u0159te cestu financov\u00e1n\u00ed<\/h2>\n<div class=\"scg-essential-grid\">\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">1<\/span><\/p>\n<h3>Ov\u011b\u0159te \u00fa\u010det a m\u011bnu<\/h3>\n<p>Potvr\u010fte, \u017ee burza obsluhuje va\u0161i zemi a podporuje platebn\u00ed metodu. P\u0159e\u010dt\u011bte po\u017eadavky na p\u0159\u00edjemce, referenci a jm\u00e9no majitele \u00fa\u010dtu. Zjist\u011bte, zda banka pos\u00edl\u00e1 po\u017eadovanou m\u011bnu nebo ji p\u0159ev\u00e1d\u00ed, a ov\u011b\u0159te pokyny uvnit\u0159 skute\u010dn\u00e9ho burzovn\u00edho \u00fa\u010dtu.<\/p>\n<\/div>\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">2<\/span><\/p>\n<h3>Porovnejte celkovou nab\u00eddku<\/h3>\n<p>Odd\u011blte poplatek za vklad, m\u011bnovou konverzi, n\u00e1kupn\u00ed spread a obchodn\u00ed poplatek. Porovnejte z\u00edskan\u00e9 mno\u017estv\u00ed kryptom\u011bny p\u0159i stejn\u00e9 celkov\u00e9 bankovn\u00ed platb\u011b. Pohodl\u00ed karty m\u016f\u017ee st\u00e1t v\u00edce; bankovn\u00ed p\u0159evod m\u016f\u017ee trvat d\u00e9le nebo m\u00edt vlastn\u00ed n\u00e1klady.<\/p>\n<\/div>\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">3<\/span><\/p>\n<h3>Napl\u00e1nujte cestu zp\u011bt<\/h3>\n<p>Ov\u011b\u0159te minim\u00e1ln\u00ed v\u00fdb\u011br, dobu vypo\u0159\u00e1d\u00e1n\u00ed a mo\u017enost vybrat fiat na \u00fa\u010det veden\u00fd na va\u0161e jm\u00e9no. Kryptov\u00fdb\u011br pot\u0159ebuje kompatibiln\u00ed aktivum, s\u00ed\u0165 a adresu. P\u0159ed v\u011bt\u0161\u00ed platbou vyzkou\u0161ejte zvl\u00e1dnutelnou \u010d\u00e1stku.<\/p>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-essential-lesson&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;worked-example&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; module_class=&#8221;scg-essential-panel&#8221; background_color=&#8221;#fff8d8&#8243; custom_padding_phone=&#8221;22px|18px|22px|18px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|16px|16px|16px|16px&#8221; border_width_all=&#8221;1px&#8221; border_color_all=&#8221;#e5d89e&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>P\u0159\u00edklad: ne v\u0161ech 500 eur je k dispozici na n\u00e1kup<\/h2>\n<div class=\"scg-essential-equation\"><span>\u20ac500 \u2212 \u20ac2<\/span><span>\u2192<\/span><span>\u20ac498 \u00d7 0.99<\/span><span>\u2192<\/span><strong>\u20ac493.02<\/strong><\/div>\n<p>P\u0159edpokl\u00e1dejte bankovn\u00ed platbu 500 eur, vkladov\u00fd poplatek 2 eura a n\u00e1kupn\u00ed poplatek 1 % ze zb\u00fdvaj\u00edc\u00edch 498 eur. N\u00e1kupn\u00ed poplatek \u010din\u00ed 4,98 eura, tak\u017ee p\u0159ed spreadem zb\u00fdv\u00e1 493,02 eura. P\u0159i cen\u011b 100 eur z\u00edsk\u00e1te 4,9302 jednotky. Jde o smy\u0161len\u00e9 poplatky, ne nab\u00eddku platformy. Pokud je poplatek zahrnut v kurzu, pou\u017eijte kone\u010dnou p\u0159ijatou \u010d\u00e1stku a neode\u010d\u00edtejte jej dvakr\u00e1t.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-essential-lesson&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;common-mistakes&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>T\u0159i \u010dast\u00e1 nedorozum\u011bn\u00ed<\/h2>\n<div class=\"scg-essential-grid\">\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">1<\/span><\/p>\n<h3>Zam\u011b\u0148ovat nomin\u00e1ln\u00ed hodnotu za kupn\u00ed s\u00edlu<\/h3>\n<p>100 eur z\u016fst\u00e1v\u00e1 nomin\u00e1ln\u011b 100 eury, ale inflace m\u016f\u017ee sn\u00ed\u017eit, co za n\u011b koup\u00edte. Stablecoin v\u00e1zan\u00fd na m\u011bnu obvykle sd\u00edl\u00ed toto riziko kupn\u00ed s\u00edly a p\u0159id\u00e1v\u00e1 vlastn\u00ed rizika. I ceny kryptom\u011bn mohou prudce klesat; volatilita nen\u00ed ochranou proti inflaci.<\/p>\n<\/div>\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">2<\/span><\/p>\n<h3>Ch\u00e1pat z\u00e1konn\u00e9 platidlo jako v\u0161eobecn\u00e9 p\u0159ij\u00edm\u00e1n\u00ed<\/h3>\n<p>Pravidla z\u00e1konn\u00e9ho platidla z\u00e1vis\u00ed na jurisdikci a okolnostech platby. Neznamenaj\u00ed, \u017ee ka\u017ed\u00fd web mus\u00ed p\u0159ijmout ur\u010ditou bankovku, p\u0159evod \u010di m\u011bnu. Ov\u011b\u0159te skute\u010dn\u00e9 platebn\u00ed podm\u00ednky m\u00edsto spol\u00e9h\u00e1n\u00ed na ozna\u010den\u00ed.<\/p>\n<\/div>\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">3<\/span><\/p>\n<h3>P\u0159ehl\u00ed\u017eet blokace a vr\u00e1cen\u00ed plateb<\/h3>\n<p>Z\u016fstatek zobrazen\u00fd po platb\u011b kartou m\u016f\u017ee st\u00e1le podl\u00e9hat blokaci v\u00fdb\u011bru. Reklama\u010dn\u00ed postupy bank a karet se li\u0161\u00ed od blockchainov\u00fdch p\u0159evod\u016f. P\u0159e\u010dt\u011bte podm\u00ednky d\u0159\u00edve, ne\u017e p\u0159edpokl\u00e1d\u00e1te okam\u017eitou dostupnost \u010di mo\u017enost zvr\u00e1tit chybn\u00fd kryptop\u0159evod.<\/p>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-essential-lesson&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;practice&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; module_class=&#8221;scg-essential-panel&#8221; background_color=&#8221;#fff8d8&#8243; custom_padding_phone=&#8221;22px|18px|22px|18px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|16px|16px|16px|16px&#8221; border_width_all=&#8221;1px&#8221; border_color_all=&#8221;#e5d89e&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Cvi\u010den\u00ed: porovnejte dv\u011b cesty financov\u00e1n\u00ed<\/h2>\n<p>Cesta A ode\u010dte 2 eura ze 200 eur a pak 1 % ze zbytku. Cesta B nem\u00e1 vkladov\u00fd poplatek a ode\u010dte 2 % z 200 eur. Ob\u011b pou\u017e\u00edvaj\u00ed stejnou cenu aktiva bez spreadu. Kter\u00e1 nech\u00e1 v\u00edce na n\u00e1kup?<\/p>\n<details>\n<summary>Zobrazit v\u00fdpo\u010det<\/summary>\n<p>A ponech\u00e1 (200 \u2212 2) \u00d7 0,99 = 196,02 eura. B ponech\u00e1 200 \u00d7 0,98 = 196,00 eura. A je zde levn\u011bj\u0161\u00ed pouze o 0,02 eura. Jin\u00fd kurz \u010di n\u00e1klady na konverzi nebo v\u00fdb\u011br mohou v\u00fdsledek obr\u00e1tit. Porovn\u00e1vejte kone\u010dn\u00e9 \u010d\u00e1stky, ne jedin\u00fd zd\u016frazn\u011bn\u00fd poplatek.<\/p>\n<\/details>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-essential-lesson&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;next-steps&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Od vkladu k ov\u011b\u0159en\u00e9mu n\u00e1kupu<\/h2>\n<div class=\"scg-essential-actions\"><a class=\"scg-essential-button\" href=\"https:\/\/simplecryptoguide.com\/cs\/co-je-to-stablecoin\/\">Pochopit pr\u00e1va u stablecoin\u016f<span aria-hidden=\"true\">\u2192<\/span><\/a><a class=\"scg-essential-button\" href=\"https:\/\/simplecryptoguide.com\/cs\/crypto-exchange-fee-calculator\/\">Spo\u010d\u00edtat n\u00e1klady burz<span aria-hidden=\"true\">\u2192<\/span><\/a><a class=\"scg-essential-button\" href=\"https:\/\/simplecryptoguide.com\/cs\/find-your-crypto-exchange\/\">Porovnat po\u017eadavky burz<span aria-hidden=\"true\">\u2192<\/span><\/a><a class=\"scg-essential-button\" href=\"https:\/\/simplecryptoguide.com\/cs\/jak-nakupovat-kryptomenu\/\">Proch\u00e1zet n\u00e1vody k n\u00e1kupu<span aria-hidden=\"true\">\u2192<\/span><\/a><\/div>\n<p class=\"scg-essential-sources\"><a href=\"https:\/\/accounts.binance.com\/en\/register?ref=RP2JHHRW\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Binance (partnersk\u00fd odkaz)<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-essential-lesson&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;sources&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Zdroje a dal\u0161\u00ed \u010dten\u00ed<\/h2>\n<ul class=\"scg-essential-sources\">\n<li><a href=\"https:\/\/www.bankofengland.co.uk\/explainers\/what-is-money\" target=\"_blank\" rel=\"noopener\">Bank of England \u2014 money<\/a><\/li>\n<li><a href=\"https:\/\/www.bankofengland.co.uk\/explainers\/how-is-money-created\" target=\"_blank\" rel=\"noopener\">Bank of England \u2014 money creation<\/a><\/li>\n<li><a href=\"https:\/\/www.ecb.europa.eu\/ecb-and-you\/explainers\/tell-me-more\/html\/what_is_money.en.html\" target=\"_blank\" rel=\"noopener\">ECB \u2014 money<\/a><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-essential-lesson&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_code _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<style>body #page-container .scg-template-reading-column .scg-essential-lesson .et_pb_row.scg-essential-panel{padding:30px!important}@media(max-width:600px){body #page-container .scg-template-reading-column .scg-essential-lesson .et_pb_row.scg-essential-panel{padding:22px 18px!important}}body #page-container 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rozd\u00edly mezi fiat pen\u011bzi, bankovn\u00edmi vklady a burzovn\u00edmi z\u016fstatky. 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