Walk across Berkeley’s campus or scroll through student group chats, and one topic appears with increasing frequency: cryptocurrency.

It surfaces in conversations about investing, in debates about technology, and in broader discussions about the future of money. For some, it represents opportunity. For others, uncertainty. For many, it is simply something they feel they should understand, even if they are not ready to participate.

That instinct reflects a larger shift. Financial literacy today is no longer confined to traditional systems. It now includes an expanding set of digital tools, platforms, and…