💵 I have 100 USDT on Binance... what now? Quick guide for beginners
If you are just starting in crypto and have 100 USDT on Binance, the worst thing you can do is buy any coin "because someone said it will go up".
Here’s a simple and proven plan to get the most out of that initial capital, without burning yourself in the process:
1️⃣ Build a mini-balanced portfolio
With 100 USDT, you can't diversify like a giant fund, but you can spread it out to minimize risks:
• 40 USDT → Bitcoin ($BTC ): the most stable asset in the crypto market.
• 30 USDT → Ethereum ($ETH ): the second most solid and with real use in DeFi/NFTs.
• 20 USDT → Strong medium-risk project (e.g., $SOL , BNB, AVAX).
• 10 USDT → Controlled bet on an emerging altcoin you research.
2️⃣ Use flexible savings to generate interest
If you don't plan to move them much, you can put part of it into Binance Earn (Flexible Savings) to earn a small daily return. It won’t make you rich, but it’s better than keeping it idle.
3️⃣ Avoid leverage (futures) at the beginning
It seems tempting to “multiply” capital with x20, but in practice, it’s the quickest way to lose everything. Seriously: first learn about spot trading, then we’ll look at derivatives.
4️⃣ Use limit orders to enter better
Don’t buy at the price that appears without more. If ETH is at 3,500 USDT and you think it can drop to 3,450, set a limit order and wait. This avoids overpaying and teaches you patience.
5️⃣ Invest time in learning, not just money
Follow the charts, read news on Binance Square, try paper trading, and watch how coins move. Experience is worth more than the initial capital.
💡 Conclusion: With 100 USDT, you’re not going to change your life today, but you can learn the basics, protect your capital, and start building a solid portfolio. The key is not to rush and understand that the initial goal is to learn, not to make a 500% profit in a month.
