Do you also have this experience:
There are a bunch of apps installed on my phone: Binance, OKX, some exchange, decentralized wallet...
I want to check my total assets at a glance, but I have to click back and forth on several platforms;
Suddenly found on a certain platform:
“Wow, there’s actually a stash of altcoins here? I totally forgot about it.”
Looks very 'professional': registered on many platforms, feels like I'm close to being a pro.
But the reality is often:
The more platforms there are, the less I know how much money I actually have, where my positions are, and what the risks are.
Today, I will talk about two things:
Why is it that the more platforms there are, the more confused beginners become, and even more likely to lose money?
How do you build a relatively clear "account system"?
I. Five core reasons why the more platforms there are, the more confused beginners become.
1) When your funds are "shredded," you can never see exactly how much you're gambling.
Typical state:
This exchange gives a little...
That place puts in a little bit.
Another little bit in my wallet
What you see every day:
A Platform: +2000 U
Platform B: -1500 U
C Wallet: Little Change
As a result, you have absolutely no idea about your actual profits and losses or your overall position size:
I'm not sure if the total amount is 10,000 or 20,000.
I don't know how much I've bet on BTC, ETH, altcoins, and futures contracts.
It was great to see A making a profit that day, but actually B and C combined were losing money.
You are not managing an "account".
Instead, they were playing a bunch of small, unrelated gambling tables.
2) With diversified positions, if the market fluctuates sharply, you simply don't know which side to save first.
When the market experiences significant volatility:
Platform A has multiple contracts.
Platform B offers high-leverage short positions.
Platform C has a bunch of counterfeit goods in stock.
You might experience this kind of confusion:
I wanted to top up my margin, but found the money was on another platform.
I want to close my position, but I found that some platforms don't have mobile phone verification or don't have a USB security token.
Finally, it becomes:
"I have money, but it's in another place; I have positions, but I can't manage them all."
Risk is not that you "judged the wrong direction".
Rather, it's that when risks arise, you simply cannot quickly and uniformly coordinate resources.
3) Each platform has different rules, and you'll always have one or two that you only "half-understand."
The details vary from exchange to exchange:
Fee Structure
Leverage limit
Margin trading (cross margin / isolated margin)
Contract types (U-based / Coin-based / Perpetual / Settlement)
Price marking, liquidation mechanism...
This situation is likely to occur when you play on 4-5 platforms simultaneously:
You probably understand platform A.
On platform B, you only know the most basic opening and closing positions.
Platform C, you don't even understand how funding rates are calculated.
turn out:
On some platforms, you can play games you are familiar with.
On some platforms, you're playing a game where you don't even understand the rules yourself.
The same order
You can control the risk on a familiar platform.
On unfamiliar platforms, you are more likely to make a mistake.
4) The more platforms there are, the easier it is to "go wherever it's hot" and become a market chaser.
Having many platforms means you'll see them every day:
This new contract
Which company has a new coin listed?
There's also one that's running some kind of "high-intensity thrill activity".
Your mindset will gradually become:
"I'll go to whichever side offers the most opportunities today."
turn out:
No fixed main battlefield
There is no fixed set of execution procedures.
Every day I'm led by various events, new coins, and screenshots.
This is different from "professional traders having multiple accounts".
They are completely different things.
One is strategy-driven, and the other is emotion-driven.
5) Security and accounting are a mess: passwords, 2FA, APIs, transaction records—you simply can't manage them all.
With so many platforms, you'll have to face:
Passwords, Google Authenticator, and email verification on different platforms
Anti-phishing links, anti-fake apps, anti-random authorization
Trying to unify accounting requires exporting transaction records from different sources, which is exhausting.
Therefore, most people's approach is:
They don't keep accounts at all
Pretend the margin call never happened.
Being able to log in to any platform is considered "wealthy".
If you stop keeping consistent records
That is tantamount to giving up control over one's finances and transaction history.
II. What does "a unified account system" mean? It doesn't mean many accounts, but rather that each account has its designated place.
The "account system" I'm referring to is not:
I'll help you open a few more new platforms.
I'm not teaching you how to do any complicated arbitrage.
Instead, it helps you do one thing:
Give every penny a clear "role" and "position".
Each platform should have a clear "boundary for its use".
In short:
From "putting a little bit everywhere, making it look like a hamster hoarding food"
It has become a system where "you can clearly see what kind of water is in each bucket at a glance."
Below is an account structure model that even beginners can easily use 👇
III. A Four-Tier Account Model Suitable for Beginners
You can categorize your accounts using this approach. They don't have to be exactly the same, but they must have different levels and purposes.
Layer 1: Safety Layer – Long-term Positions / Calm Money
Target:
Only put in money you absolutely don't want to waste on unnecessary trouble.
For example: long-term spot trading, long-term holdings of mainstream cryptocurrencies.
Features:
The platform must be secure and standardized.
Low operation frequency
In principle: Do not touch contracts, do not use leverage.
It can stay quiet even if you don't watch the market.
It could be:
Large platform spot account
Cold wallet (not urgent for beginners)
Positioning in one sentence:
"This is money I don't use for impulsive trading; I only use it for medium- to long-term investments."
Tier 2: Main Battle Tier – The platform you are most familiar with and use most often
Target:
This is your main battleground for daily market analysis, order placement, and strategy development.
Require:
Choose only 1 (or at most 2)
You must be extremely familiar with its: transaction fees, leverage rules, margin system, and liquidation mechanism.
Commonly used functions such as spot trading, contracts, and grid trading are only used here.
This can be further divided into two "funding buckets":
Spot / Band Barrel
Trade swings on 4-hour and daily charts or longer.
Some drawdown is acceptable, but I won't play high-stakes games.
Contracts / Strategy Bucket
Make your own planned contract trades
There are clear leverage limits and maximum daily loss restrictions.
Positioning in one sentence:
"The vast majority of transactions take place here."
Layer 3: Experimentation Layer — New Platform / New Gameplay / New Strategy
Target:
For things you "want to try, but aren't sure about":
New exchange
New DeFi Projects
New strategies, new robots, new gameplay
Core principles:
The money here is minimal, so minimal that:
Even if everything goes to zero, I can still go to work and sleep as usual today.
We won't take large positions here, and we won't go all in to see what happens.
Treat everything new as an "experimental project," not a chance to turn things around.
Positioning in one sentence:
“This is my experimental field, not farmland.”
Layer 4: Liquidity Layer – Fiat Currency Inflow/Outflow Transfer
Target:
Used to be responsible for:
Fiat currency deposit/withdrawal
Bank cards ↔ Stablecoins ↔ Fund transfers in the main battleground
It can be on the same platform as the main battlefield, or it can be different.
effect:
Let you know at a glance:
"When did I send money to the market?"
When will we actually extract a significant amount of money from the market and bring it back to the real world?
Positioning in one sentence:
“This is the ‘gate’ between me and the real world.”
IV. Transform the "Platform List" into a "Fund Map": Do it step by step.
Step 1: Clearly state how many platforms you currently operate on and how much money you have.
A very simple yet cruel step:
List all the platforms/wallets you have used:
Exchange A / B / C
Wallet address 1 / 2 / 3
Write it on paper/in Excel:
Approximately how much money does this platform have now?
What is it roughly: spot trading / futures trading / USDT / cryptocurrency?
Don't strive for precision; just have a **close-to-the-truth "overall view"** first.
Step 2: Tag each platform – which layer should it belong to?
Ask three questions for each platform:
Which one am I most familiar with? → It should be the main battlefield.
Which are used only occasionally and have unique functions? → These are suitable for the trial phase.
Which platform is suitable as a "fiat currency entry/exit channel"?
Avoid the following:
Each platform serves as the main battlefield, the testing ground, and the source of all authority.
Step 3: Do a crucial thing – shrink the battle lines
You may need to make a few decisions that "seem difficult, but are necessary":
Platforms that are not frequently used and involve very small amounts:
Bring assets back to the main battlefield / security layer
Turn off what you can, don't linger.
All the miscellaneous small positions:
Clean up / merge
Avoid the fragmented state of "300 U here, one obscure coin there"
Shrink to:
Main battlefield: 1-2 are enough
Trial layer: Retain 1-2 companies as needed, with minimal funding.
Your goal is not "to have more platforms".
Instead, it means "heavy where it should be heavy, and light where it should be light."
5. After setting up the account system, you need to add "usage rules" to each layer.
Otherwise, even if the platform categorizes users, the behavior will still be chaotic.
You can write down a few "ironclad rules" for each level, for example 👇
Safety layer rules (long-term / safety bay)
No contract
Do not do high frequency
Don't move around casually
It only moves in two situations:
True large-scale trend changes
Partial redemption is required, with funds withdrawn to the real world.
Main battle layer rules (daily transactions)
Maximum leverage: For example, ≤ 5x / 10x (set according to your own skill level)
The largest single-day loss triggered a circuit breaker:
For example, if the loss reaches 2%–3% of the total capital, trading should be suspended for the day.
Only make XX planned transactions per week to avoid frequent random clicks.
All strategies must be written on this platform for execution and review.
Trial layer rules (experimental chamber)
Total capital ratio ≤ 5%–10%
Trial funding for each new strategy/platform:
For example, 100–300 U, stop using it when finished.
Once the urge to "make another bet after losing everything" arises,
→ The account was suspended immediately that day (psychologically putting yourself on pause).
Liquidity layer rules (deposits and withdrawals)
Deposit and withdraw funds, do not trade.
Every large deposit/withdrawal must be recorded:
date
Amount
Reasons (e.g., profit realization / capital replenishment)
When you can clearly say:
"How much money did I take from the market this year?"
Your trading is more sensible than 90% of people's.
VI. A truth that may not be pleasant to hear
Many people say they "want to become professional traders."
The first question was:
How many platforms? → A whole bunch
What does each platform do? → It's hard to say.
Did you make a profit or a loss in a month? → It depends on your feeling.
Is there a unified review and record? → No
This is like:
You said you wanted to be your own boss.
But you can't even explain how many books your company keeps or how many stores it has.
Having multiple platforms is not a problem in itself.
The real problem is using things haphazardly without a systematic approach.
The more platforms there are, the more confused beginners become.
because:
Funds are fragmented, making it difficult to see the total position and total risk.
It's difficult to review a performance; you can't see your true skill level.
Different rules can easily lead to problems on unfamiliar platforms.
Emotions are more easily swayed by new activities and new cryptocurrencies.
Security and accounting difficulties have increased exponentially.
The goal of an account system is:
Make sure every penny has a clear role
Give each platform clear boundaries
Transform your trading behavior from "clicking around" to "steadily executing trades on the main battlefield."
If you are already that kind of person:
A bunch of platforms
My positions are very messy.
I want to shrink it but I don't know where to start.
Then come find me.
I can take into account your capital size, trading style, and time and energy.
Let us help you create a "account + funds map" that suits you.
Let you first transform "chaos" into "clarity".
As for how high you can fly, it depends on whether you are willing to give yourself enough drive and self-discipline.
