Cool. Yeah, there is a lot to learn. Distributed ledger via Peer-to-Peer makes sense in cutting out the bank. But the block chain has more mysteries: signing blocks [e.g. solving the puzzle = making the bow for the package], transaction fees to [hopefully] get a transaction included in a block, and the 12-min desired average time ... if i'm not making that up from memory...
10* minutes
this faq is useful. https://en.bitcoin.it/wiki/Help:FAQ#Mining
I just got the book "Programming Bitcoin" that I'm going to start working through. It uses python, but this person started working through it in clojure: https://github.com/Bardia95/essays/tree/master/content/md/posts
I have a vague high level understanding of how it works but I think really implementing it from scratch is needed to gain a full intuition
I don't dig into smart contract programming, but if you guys are interested in clojure-based trading of crypto (and stocks) you might want to check out my twitch channel. I'm also here on #codingandcoffee
Smart contract programming as a concept is super interesting, I just don't have a use case for it personally right now