What are the skills required for UX designer?

As a professional in the field of cryptocurrency and finance, I'm often curious about the intersection between technology and user experience. Can you elaborate on what skills are essential for a UX designer? Is it simply about creating visually appealing interfaces, or does it go deeper into understanding user behavior and psychology? Additionally, how do these skills relate to the world of cryptocurrency and finance, where security, trust, and ease of use are paramount? I'm particularly interested in knowing how UX designers navigate the complexities of these industries to create seamless and intuitive experiences for users.