{"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\/fi\/what-is-fiat-currency\/","title":{"rendered":"Fiat-valuutta selitettyn\u00e4: seuraa rahaa krypton ostoon"},"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-valuutta selitettyn\u00e4: seuraa rahaa krypton ostoon<\/h1>\n<p>Euro, punta ja dollari ovat fiat-valuuttoja: rahaa, jota ei voi lunastaa kiinte\u00e4\u00e4n kultam\u00e4\u00e4r\u00e4\u00e4n. Erota ennen krypton ostoa maksuvaluutta, rahaa s\u00e4ilytt\u00e4v\u00e4 laitos ja vastaanottamasi omaisuuser\u00e4. Tuttu valuuttamerkki ei tee niist\u00e4 samaa saatavaa.<\/p>\n<p class=\"scg-essential-task\">Teht\u00e4v\u00e4si: seuraa maksua pankista p\u00f6rssiin ja laske k\u00e4ytett\u00e4v\u00e4 summa talletus- ja kaupank\u00e4yntikulujen j\u00e4lkeen.<\/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;Laskin, kuitti ja kolikot havainnollistavat fiat-talletuksen kuluja&#8221; title_text=&#8221;Laskin, kuitti ja kolikot havainnollistavat fiat-talletuksen kuluja&#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>Valuutta ja saatava ovat eri asioita<\/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>K\u00e4teinen ja pankkitalletukset<\/h3>\n<p>Setelit ovat keskuspankkirahaa; liikepankin tilisaldo on saatava pankilta. Useimmat arkimaksut siirt\u00e4v\u00e4t talletuksia fyysisen k\u00e4teisen sijaan. Pankit luovat talletuksia my\u00f6nt\u00e4ess\u00e4\u00e4n lainoja p\u00e4\u00e4oman, s\u00e4\u00e4ntelyn ja kysynn\u00e4n kaltaisten rajoitteiden puitteissa. Rahaa ei luoda vain painamalla seteleit\u00e4.<\/p>\n<\/div>\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">2<\/span><\/p>\n<h3>P\u00f6rssin saldo<\/h3>\n<p>Kryptopalvelun EUR-saldoon sovelletaan palveluntarjoajan ehtoja. Tarkista varojen haltija, nostoehdot ja mahdollinen suoja. \u00c4l\u00e4 oleta oman pankkitilisi suojan automaattisesti ulottuvan p\u00f6rssiin siirrettyihin varoihin.<\/p>\n<\/div>\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">3<\/span><\/p>\n<h3>Valuuttaa seuraava token<\/h3>\n<p>Dollaria seuraava stablecoin on dollarin arvoa tavoitteleva token, ei dollarim\u00e4\u00e4r\u00e4inen pankkitalletus. Reservit, lunastusoikeudet, liikkeeseenlaskijariski ja lohkoketju ovat t\u00e4rkeit\u00e4. Noin yhden dollarin hinta ei takaa suoraa lunastusta liikkeeseenlaskijalta tai hinnan pysymist\u00e4 ennallaan.<\/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>Tarkista maksureitti ennen maksamista<\/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>Varmista tili ja valuutta<\/h3>\n<p>Varmista, ett\u00e4 p\u00f6rssi palvelee maatasi ja tukee maksutapaa. Lue saajaa, viitett\u00e4 ja tilinomistajan nime\u00e4 koskevat vaatimukset. Tarkista, l\u00e4hett\u00e4\u00e4k\u00f6 pankki pyydetty\u00e4 valuuttaa vai vaihtaako se sit\u00e4. Vahvista ohjeet aidolla p\u00f6rssitilill\u00e4si.<\/p>\n<\/div>\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">2<\/span><\/p>\n<h3>Vertaa koko tarjousta<\/h3>\n<p>Erota talletusmaksu, valuutanvaihto, oston spread ja kaupank\u00e4yntimaksu. Vertaa saatavaa kryptom\u00e4\u00e4r\u00e4\u00e4 samalla pankista veloitettavalla kokonaism\u00e4\u00e4r\u00e4ll\u00e4. Kortin helppous voi maksaa enemm\u00e4n, kun taas tilisiirto voi kest\u00e4\u00e4 kauemmin tai sis\u00e4lt\u00e4\u00e4 omia maksuja.<\/p>\n<\/div>\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">3<\/span><\/p>\n<h3>Suunnittele paluureitti<\/h3>\n<p>Tarkista v\u00e4himm\u00e4isnosto, selvitysaika ja mahdollisuus nostaa fiat omalla nimell\u00e4si olevalle tilille. Krypton nostamiseen tarvitaan sen sijaan yhteensopiva omaisuuser\u00e4, verkko ja osoite. Kokeile hallittavaa summaa ennen suurempaa maksua.<\/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>Laskuesimerkki: koko 500 euroa ei ole ostettavissa<\/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>Oletetaan 500 euron pankkimaksu, 2 euron talletusmaksu ja 1 prosentin ostomaksu j\u00e4ljell\u00e4 olevasta 498 eurosta. Ostomaksu on 4,98 euroa, joten kryptoon j\u00e4\u00e4 493,02 euroa ennen mahdollista spreadia. Sadalla eurolla yksik\u00f6lt\u00e4 saa 4,9302 yksikk\u00f6\u00e4. Maksut ovat kuvitteellisia, eiv\u00e4t palvelun tarjous. Jos maksu sis\u00e4ltyy ilmoitettuun vaihtokurssiin, k\u00e4yt\u00e4 lopullista saatavaa m\u00e4\u00e4r\u00e4\u00e4 \u00e4l\u00e4k\u00e4 v\u00e4henn\u00e4 maksua kahdesti.<\/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>Kolme tavallista v\u00e4\u00e4rink\u00e4sityst\u00e4<\/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>Nimellisarvon sekoittaminen ostovoimaan<\/h3>\n<p>100 euroa pysyy nimellisesti 100 eurona, mutta inflaatio voi heikent\u00e4\u00e4 ostovoimaa. Valuuttaa seuraava stablecoin jakaa yleens\u00e4 t\u00e4m\u00e4n ostovoimariskin ja lis\u00e4\u00e4 omia riskej\u00e4\u00e4n. Kryptohinnatkin voivat laskea voimakkaasti; vaihtelu ei suojaa inflaatiolta.<\/p>\n<\/div>\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">2<\/span><\/p>\n<h3>Laillisen maksuv\u00e4lineen tulkitseminen yleiseksi hyv\u00e4ksymispakoksi<\/h3>\n<p>Laillista maksuv\u00e4linett\u00e4 koskevat s\u00e4\u00e4nn\u00f6t riippuvat oikeusalueesta ja maksutilanteesta. Ne eiv\u00e4t tarkoita, ett\u00e4 jokaisen verkkosivun pit\u00e4isi hyv\u00e4ksy\u00e4 tietty seteli, tilisiirto tai valuutta. Tarkista todelliset maksuehdot pelk\u00e4n ilmaisun sijaan.<\/p>\n<\/div>\n<div class=\"scg-essential-card\"><span class=\"scg-essential-number\" aria-hidden=\"true\">3<\/span><\/p>\n<h3>Nostorajoitusten ja palautusten unohtaminen<\/h3>\n<p>Korttimaksun j\u00e4lkeen n\u00e4kyv\u00e4\u00e4n saldoon voi edelleen kohdistua nostorajoitus. Pankkien ja korttiyhti\u00f6iden riitautusprosessit eroavat lohkoketjusiirroista. Lue ehdot ennen kuin oletat varojen olevan heti k\u00e4ytett\u00e4viss\u00e4 tai virheellisen kryptosiirron olevan peruttavissa.<\/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>Harjoitus: vertaa kahta maksureitti\u00e4<\/h2>\n<p>Reitti A v\u00e4hent\u00e4\u00e4 200 eurosta 2 euroa ja sitten 1 prosentin lopusta. Reitill\u00e4 B ei ole talletusmaksua, ja 200 eurosta v\u00e4hennet\u00e4\u00e4n 2 prosenttia. Omaisuuser\u00e4n hinta on sama eik\u00e4 spreadia ole. Kummasta j\u00e4\u00e4 enemm\u00e4n kryptoon?<\/p>\n<details>\n<summary>N\u00e4yt\u00e4 laskelma<\/summary>\n<p>A j\u00e4tt\u00e4\u00e4 (200 \u2212 2) \u00d7 0,99 = 196,02 euroa. B j\u00e4tt\u00e4\u00e4 200 \u00d7 0,98 = 196,00 euroa. A on esimerkiss\u00e4 vain 0,02 euroa halvempi. Eri kurssi, vaihtomaksu tai nostokulu voi k\u00e4\u00e4nt\u00e4\u00e4 tuloksen. Vertaa lopullisia m\u00e4\u00e4ri\u00e4 yksitt\u00e4isen mainostetun maksun sijaan.<\/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>Jatka talletuksesta tarkistettuun ostoon<\/h2>\n<div class=\"scg-essential-actions\"><a class=\"scg-essential-button\" href=\"https:\/\/simplecryptoguide.com\/fi\/mika-on-stablecoin\/\">Ymm\u00e4rr\u00e4 stablecoinien saatavat<span aria-hidden=\"true\">\u2192<\/span><\/a><a class=\"scg-essential-button\" href=\"https:\/\/simplecryptoguide.com\/fi\/crypto-exchange-fee-calculator\/\">Laske p\u00f6rssikulut<span aria-hidden=\"true\">\u2192<\/span><\/a><a class=\"scg-essential-button\" href=\"https:\/\/simplecryptoguide.com\/fi\/find-your-crypto-exchange\/\">Vertaa p\u00f6rssien vaatimuksia<span aria-hidden=\"true\">\u2192<\/span><\/a><a class=\"scg-essential-button\" href=\"https:\/\/simplecryptoguide.com\/fi\/miten-ostaa-kryptovaluutta\/\">Selaa osto-oppaita<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 (kumppanilinkki)<\/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>L\u00e4hteet ja lis\u00e4lukeminen<\/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; 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Vertaa maksureittej\u00e4 kululaskelmien ja k\u00e4yt\u00e4nn\u00f6n harjoituksen avulla.<\/p>\n","protected":false},"author":1,"featured_media":3752,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[97],"tags":[806,817,815,814,816],"class_list":["post-1866","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-beginner","tag-cryptocurrency","tag-digital-money","tag-fiat","tag-fiat-currency","tag-money"],"_links":{"self":[{"href":"https:\/\/simplecryptoguide.com\/fi\/wp-json\/wp\/v2\/posts\/1866","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/simplecryptoguide.com\/fi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/simplecryptoguide.com\/fi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/simplecryptoguide.com\/fi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/simplecryptoguide.com\/fi\/wp-json\/wp\/v2\/comments?post=1866"}],"version-history":[{"count":1,"href":"https:\/\/simplecryptoguide.com\/fi\/wp-json\/wp\/v2\/posts\/1866\/revisions"}],"predecessor-version":[{"id":18794,"href":"https:\/\/simplecryptoguide.com\/fi\/wp-json\/wp\/v2\/posts\/1866\/revisions\/18794"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/simplecryptoguide.com\/fi\/wp-json\/wp\/v2\/media\/3752"}],"wp:attachment":[{"href":"https:\/\/simplecryptoguide.com\/fi\/wp-json\/wp\/v2\/media?parent=1866"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/simplecryptoguide.com\/fi\/wp-json\/wp\/v2\/categories?post=1866"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/simplecryptoguide.com\/fi\/wp-json\/wp\/v2\/tags?post=1866"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}