In recent days, the crypto market experienced one of the most dramatic crashes in 2025. On October 10, following a tweet from U.S. President Donald Trump about imposing 100% tariffs on Chinese goods, the market lost about $19 billion in capitalization, and liquidations reached $9.55 billion. Bitcoin dropped by 10%, and the overall Fear & Greed Index plummeted from 64 (greed) to 27 (fear) in just one day. This "flash crash" served as a reminder of the market's volatility and made many investors think: how should one best store assets in such moments? Let's analyze for Binance users two popular options — storing on a spot wallet and in Binance Earn products (savings) — and choose the optimal approach.

What is spot storage on Binance?

Spot Wallet is a basic tool for storing cryptocurrency on the exchange. Here you simply hold assets bought at spot prices, without additional obligations. This is the ideal option for active traders who want to respond quickly to market changes.

Advantages of spot storage:

  • Instant liquidity: At any moment, you can sell assets and withdraw funds. In a crash, like on October 10-11, this allows you to minimize losses if you react in time.

  • Full control: No locks or restrictions on trading. You can use assets for spot trading, staking, or other operations.

  • Low risks compared to leverage: Spot trading does not carry the risks of margin trading, where forced liquidations are possible.

Disadvantages:

  • No passive income: Assets just "sit" without interest, which reduces overall returns in the long run.

  • High volatility: In panic, as during the recent crash, spot holders risk losing a significant part of their capital if they don't manage to exit in time.

On Binance, the spot wallet is integrated with the trading platform, where fees for spot trading are among the lowest in the market — only 0.1% or less for BNB holders.

Storage in savings (Binance Earn): passive income with protection

Binance Earn is an ecosystem of products for earning on crypto, including Flexible Savings and Locked Savings. Here you place assets and earn interest — from 1% to 10% per annum depending on the coin and term. It's like a bank deposit, but for crypto.

Advantages of savings:

  • Passive income: Even during a crash, interest continues to accrue. For example, in Flexible Savings, you can withdraw funds at any time, maintaining flexibility, while in Locked you can receive a higher rate for fixing the term.

  • Protection from impulsive decisions: Locking (in Locked Savings) helps avoid panic selling during a crash, like the recent one when the market lost billions in hours.

  • Diversification of risks: Binance Earn offers SAFU (Secure Asset Fund for Users) insurance in case of hacking attacks, and products are regulated in several jurisdictions.

Disadvantages:

  • Limited liquidity: In Locked Savings, funds are locked for a term (from 7 days to months), which can hinder in an emergency. Although Flexible Savings solves this problem, rates are lower there.

  • Market risks: Interest does not compensate for sharp drops in the asset's price. If Bitcoin drops by 10%, as recently, earnings from staking may not cover the losses.

In 2025, Binance Earn remains one of the safest ways to earn, with support for over 160 coins and low risks compared to decentralized alternatives.

What to choose: spot or savings?

The recent crash triggered by geopolitical shocks showed: spot storage is suitable for those who are ready to actively monitor the market and trade (for example, short selling on the spot). It allowed some traders to quickly exit or even profit from volatility. However, for long-term holders, savings turned out to be more profitable: while the market was falling, holders in Earn continued to accumulate interest, softening the blow.

  • If you are a trader: Keep the main part in spot for speed and flexibility.

  • If you are an investor: Place 50-70% in Flexible or Locked Savings to generate income and avoid emotional decisions.

  • Ideal mix: Diversify — part in spot for liquidity, part in Earn for income. At Binance, it's easy: transfers between wallets take seconds.

Volatility is the norm for crypto, but with a smart approach, it becomes an opportunity. Check out the Earn section on Binance right now and protect your assets. Remember: only invest what you can afford to lose, and always DYOR (Do Your Own Research).

As I said, using more than 20% of your capital for futures trading is a one-way ticket, no matter how much you earn, "no matter how many millionaires you become" - it all depends on one day......

And the simplest, but no less important way to not only preserve but also earn a stable profit, while doing absolutely nothing - is tokenized gold - $PAXG

(Minimum risks, constant growth, no charts, analyses, etc.

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