UST was a whole different story, but I understand your point; we haven't ruled out the possibility of another algorithmic stablecoin having a similar fate. However, a quick look at beefy.finance and you'll find up to 30% APY on stablecoins. Certainly, nothing is guaranteed, and some vaults are riskier than others, but I believe that 10% to 15% on average is achievable with a low to moderate level of risk. Apart from stablecoin vaults, you'll also find vaults with random, usually new tokens, with APYs as high as 2,000%; certainly, that's a whole different story, and the risk is much greater. Personally, I wouldn't take my chances on such coins unless you're up for a gamble.

Because banks aren't running to your advantage. If they provide you with a 5% APY, along with everyone else, how are they going to make money? We live in a capitalistic world, and banks aren't in your favor; in fact, they're quite the opposite. You can achieve over 10% APY with stablecoins; that doesn't necessarily mean it's risk-free, but there certainly are options to consider. You can even find significantly higher than 20%, but you'll be investing in tokens that are highly volatile, and you may suffer from impermanent losses. Although you'll be gaining coins daily, you'll ultimately lose money because their value keeps dropping. Keep an eye on Beefy.Finance, they offer a variety of vaults that you can stake in; you'll find something that suits your needs.

It's still a strong product, I don't say otherwise, but Binance's initial business model perhaps was a little different and now regulations are starting to caught up; they'll need to pivot if they want to stay competitive. I personally moved over to Binance due to the low fees, but I was also drawn to it due to the majority of products it was offering. I highly doubt that there's going to be any alternative useful enough as this debit card was.
Definitely, 2% or even 3% isn't a cashback you'll find these days, especially on every single transaction. My credit card has 3% cashback and it's only limited to one brand of petrol stations, having that much for all transactions would be a blessing.

Binance seems to be going downhill. Every once in a while, something new happens. First, the SEC lawsuit, which had an effect on the whole market and BNB itself; then, the pause of Euro SEPA deposits; and now this. I wasn't a frequent user of their card, but it was useful and convenient if you were interested in making cryptocurrency transactions or even withdrawals. Moreover, their cashback program was one of the major reasons I purchased a whole BNB coin. As I'm mostly Bitcoin-oriented, I don't know if I would have proceeded with my purchase if it weren't for that. I don't believe that the exchange itself is going to be in trouble, but I'm starting to reconsider using their platform.

That's what I also read—that they were running without a valid license. I haven't read that from Binance, though, but from third-party sites. Supposing that it's true, I don't understand why a huge corporation like Binance chose to operate without one, putting a risk on their business and their credibility. Ultimately, they've been found to be breaking multiple EU and US regulations, and they're now being targeted with a valid reason. I highly doubt that a solution is going to be found; they only mentioned using alternative methods, such as Binance Pay, which is not even remotely close to what the debit card serves.

I had bought approximately a whole coin to take advantage of the 2% cashback, but now I'm considering selling it and swapping to Bitcoin.

To be honest, this sucks. I had ordered their card a few years ago; not only was it free, but I had also received a $5 USDT bonus on my spot account. I didn't frequently use it, but it was handy to have it at any time since I always had an available balance on my account. It generally was a useful and convenient service, with minimal fees and a cashback loyalty program that was quite reasonable; with a single BNB, you could get up to 2% cashback in BNB in every transaction, which is not bad if you ask me.

However, it seems to me that Binance has been facing more and more issues in the past year: first the SEC lawsuit, then Euro deposits were ceased, and now it's announcing the end of their debit card program, which, in my opinion, is attracting a lot of users. From what I've just read in another article, it claimed that they were running the program without a valid license. I'm wondering if that will also have an impact on BNB's price, quite possibly. I'm not sure of the available alternatives at the moment; Crypto.com is certainly one of them, although to start receiving cashback rewards, you need up to €350 of CRO locked in, for just 1% return, and for 2%, up to €3.500; that's a lot.

https://www.financemagnates.com/cryptocurrency/binances-visa-debit-card-services-in-europe-to-end-by-december/

P.S I believe this thread should be in Service Discussion in general, not in the altcoin section.

We're quite a long way before we can start discussing whether we'll sell all our coins or not. I believe that the majority of long-term holders aren't planning to sell before seeing a new ATH, which is reasonable. If Bitcoin is capable of surpassing $70,000, then it's capable of climbing even further; the most recent ATH isn't the limit. Moreover, at this point, it's unlikely you'll sell because the momentum during the bull market is susceptible to raising the price even further.

Personally, I don't know how I'd react. Supposing Bitcoin reaches a new ATH, that would mean an average of 3x yield, which is pretty extravagant if you carefully consider it. Some prefer to sell 50-50, splitting the sale into two or more different times; it only depends on personal preference. If I were to sell in two years, during the bull market, I'd prefer to keep some Bitcoin in hand rather than sell everything at once.

Others have already mentioned a few ways to securely store your bitcoin. Use the search function, and you'll also find plenty of other similar threads with similar concerns. You'll be able to read further replies and perhaps something that may suit your needs better. Anyway, I've simply resorted to using the Electrum wallet, stored on my second HDD, with a different system installation that I'm not using. I'm also planning to install Linux and replace the previous Windows 10 operating system. Otherwise, you can spend approximately $70 and buy a hardware wallet; it's not an extravagant amount of money for the safety of your funds. Although I sometimes believe that an Electrum installation is enough, providing that you don't download anything from unknown sources, such as torrents, and be infected by malware,

That's not the case; believe me, I currently don't even have the time to check how much Bitcoin is worth. I'm certainly not obsessed, nor am I bothered if it takes one, two, or even more years to surpass the previous ATH. On the contrary, I don't mind the bear market, as it assists in accumulation.
You don't necessarily have to live in poverty to be severely benefited by signature campaigns. One paying as much as $400 a month, which is a quite reasonable amount for a campaign nowadays, is enough to cover rent here; thus, it's of huge assistance. Let alone others who pay up to $800 per month, which is equal to an average salary here; it's actually more than the official minimum wage.
I was also quite new to this kind of thing; it was the first bull market I was experiencing, so I guess I'm kind of excused for not knowing any better. Back then, it was unimaginable that Bitcoin would surpass $20,000; after it crashed, it seemed like the end of it. I did stay for a few months after, but I ultimately gave up. Had I been more motivated, I would have potentially found a signature campaign; even the lowest-paying one would possibly keep me going, along with reading opinions from more knowledgeable users.
That's true. I just checked the exact date I rejoined the forum, January 2, 2021. Almost three years have passed since then, and I think I've made pretty decent progress. I then had approximately 650 posts and 252 merits. Now I have over 3000 posts and over 600 merits in a relatively short period of time. Even though the wait is sometimes tiring, I'm more confident than I ever was during my involvement in cryptocurrencies.

There already are a few student dormitories, but unfortunately, they're not enough to accommodate everyone; secondly, they have strict economic requirements to enter, although I believe they're usually full; and lastly, I've read rumors during Covid-19 regarding their unpleasant condition—not all of them, of course, but you get my point. The article I read was from 2021, and I'm hoping the situation has improved. Another new block of apartments was recently opened, but as I've mentioned earlier, it doesn't solve the issue; they need to facilitate more students, and the current accommodation is not enough.
Airbnbs' certainly provide options that either cannot be found in hotels or may ultimately be cheaper, and price is one of the most important factors. Definitely, they also play a vital role in the tourism industry; however, I believe that it has gone out of hand.
I'm not against regulation; in Spain, in Barcelona, if I remember correctly, they banned short-term rentals in the town center. I understand that short-term rentals are both a solution and a problem. Homeowners found a way to boost their income, while renters, on the other hand, are forced to pay extravagant amounts in rent to cover their needs. However, there needs to be some balance between the two.

Vilfredo Pareto was a great economist, and I personally studied and conducted research on the Pareto Principle for a university assignment. Anyway, back to the topic: although Bitcoin supply is limited, all coins will be mined in more than a hundred years from now. Making such an assumption now would be impossible. I highly doubt that Bitcoin one day won't be traded unless something extravagant occurs, such as a major crash, dropping its value close to peanuts and staying there. This would certainly deplete interest in Bitcoin, but not diminish it. With that being said, I believe that investors won't give it up easily, even if governments attempt to contain it, which I don't think is feasible or desired.

Okay, it's been a while since I've updated this thread, but I'm seeing that other users kept it going. The housing market in Greece, especially in touristy areas, is quite awful. My hometown barely has any houses available for rent, and every year it's met with the challenge of housing new university students. The available properties are often old, expensive, too small, or generally a combination of these unpleasant characteristics. I've moved to a different city now, which is considerably larger and also touristy but not solely dependent on tourism. Last year, the housing market wasn't that bad, at least not as terrible as it currently is. This year, there's been a great surge of Airbnbs', with whole blocks of flats aiming for short-term rentals. The average rent has increased by over 20% compared to 2022.

I recently rented a house that was quite new and in decent condition; however, this property wouldn't be worth its money if I found it in 2022. The whole city center is filled with Airbnbs', I believed that the bubble would eventually burst, but new ones just keep on coming.

Certainly not. If you read more carefully, you'll understand that $50,000 is a very realistic price to see in the upcoming months; thus, doubling your investment shouldn't require too much time, effort, or risk, judging that Bitcoin's price used to be $26,000 a few days ago. With that being said, it would somewhat be considered a relatively easy investment, but as I've already mentioned, these are all hypotheses.
That's true; I can only imagine what's going to happen if it's approved. Some fake news was enough to send its price up to almost $30,000, which is astounding. Along with the halving and a possible upcoming bull market, it's quite probable to send Bitcoin up to $100,000 or even more. As for the signature campaign, I'm generally satisfied with where I'm at; however, it's quite reasonable to always aim for more. I acknowledge that there are a few relatively new ones that pay quite well, but I don't see any vacant spots at the moment, and even if there was a spot or two, I don't know if I'd apply with so much competition going on.
Definitely, I experienced the bull market in 2017 and 2020, respectively, and I'm quite confident about Bitcoin's capabilities in the next bull market. 3x looks quite possible, let alone 2x. I'm not quite sure how I'll react in an upcoming bull market, but I'm aiming for at least $60,000, nothing less.

Correct, I'm not expecting Bitcoin's price to rise right when the halving occurs. It'll take months, however, I believe that as we're heading towards April, the price is probable to gradually increase and surpass $40,000 pre-halving and perhaps reach up to $50,000 a month or two afterwards. The point is that we're less than a year away from where we're expecting a major increase in price, which is the last quarter of 2024. And yes, I'll have to agree with you, 2020 and 2021 were quite stagnant years for the economy, due to Covid-19, quarantines, travel restrictions and a whole disruption in the supply chain, the effects of which are still seen today. So indeed, there's a decent chance of Bitcoin ignoring the current economic recession.
I don't want to fall short of my expectations; I'd prefer to be modest and satisfied with what I have, although I'm quite positive that in the upcoming two years, it's very probable to see a new ATH that would triple my investment. However, as I've mentioned already, it's best to be modest and have more down-to-earth expectations.
Judging by what we've already seen Bitcoin succeed at, a new ATH isn't an unrealistic expectation. Surely, it won't happen now, but I wouldn't doubt that it's likely to happen in the next two or three upcoming years, which would result in 3x or even 4x profits. It's an insane amount of money, if you consider it.
That's correct, but still, Q4 of 2024 is approximately a year from now and may even result in a new ATH or at least somewhere close to $50,000 or $60,000, which is still great judging by the shortness of time it would be required from now. Those who are able to invest now won't regret it.
I haven't heard of it, to be honest. I've been quite busy with life the past few weeks, so I've lost touch with the news regarding cryptocurrencies. That would honestly be great, and I'd love to purchase some Bitcoin now, but at the same time, I'd rather not. It's a complicated matter, and I wish I could somehow speed up my accumulation process.

I'm not really into altcoins; I mostly stick to Bitcoin; however, the only altcoin I've actively invested in is BNB. First of all, it has its own blockchain, which enabled me to stake stablecoins back in February 2021 and manage to yield great results. The Binance Smart Chain is still one of the major reasons I believe in it; if I'm not mistaken, it still remains one of the most popular blockchains for staking and so on.

Moreover, the exchange itself is quite handy, even though it started having some issues lately after the SEC lawsuit and even disabled SEPA and credit card deposits for the Euro currency. It still remains the largest exchange on the market, though, offering decent benefits such as their debit card and BNB cashback. It remains a centralized exchange and prefers not to store large amounts of money, or Bitcoin, for this reason. So yes, for these reasons, I'm quite fond of BNB, despite the recent troubles it is facing, which I'm hoping will be resolved soon.

Well, in my opinion, this assumption stands because it happened after the previous halvings. Statistics show that the market performs in 4-year cycles; at least that's what has happened till now. That doesn't necessarily mean it'll keep going in the future.
That's what I've also read. From my point of view, both speculations you've quoted seem way too unrealistic, at least with the data we have today. We can't predict 2025, let alone 2030. I tend to have a more sustained view of Bitcoin's price and prefer to think about what's more likely to happen rather than imagine 3x or 4x. If that doesn't happen, then my expectations would fall short, and I wouldn't be satisfied if I yielded anything less.
My approach is to set low expectations and not be let down in case things don't turn our way. I also believe that Bitcoin is capable of reaching a new ATH; however, I'm claiming that $50,000, for instance, is a very probable price for the upcoming months or a year. Thus, doubling my investment isn't as complicated as it may sound. Personally, I'm not in a hurry to sell, even if we surpass $60,000 or even more in the upcoming two or three years. The truth is, I don't know how I'll react seeing that I've almost tripled my money, something of which I'm afraid because I'd be honestly tempted to sell.

With halving less than a year from now, the majority of us are speculating a major increase in price and possibly the start of another bull market after 4 years. Some are expecting to surpass the previous ATH of almost $70,000 and possibly reach $100,000. Although this scenario sounds great and all, I'm not quite confident that it'll happen in the upcoming year or so. The current economic condition in the world isn't too promising and, in my opinion, will set back investments in general, including bonds and the stock market. I hope I'm proven wrong, though.

However, I tend to have a more pessimistic and down-to-earth approach to this matter. Bitcoin's current price is ranging from $27,000 to $28,000 as we speak, while we will also occasionally see it as low as $25,000. With that being said, in my opinion, sometime after the halving, the scenario of Bitcoin surpassing $50,000 doesn't sound too impossible to me. Thus, if we suppose that someone purchases Bitcoin now, approximately within a year, he or she may be capable of doubling their initial investment.

I know that these are all pure assumptions, but instead of speculating massive ATH and 3x or 4x returns, which are way too common in the forum, why not expect something that is more probable to happen in the near future? And to be honest, doubling your investment is a great yield that cannot easily be found in other forms of investment.

I don't doubt the significance of investing, through DCA or not, even in small amounts. Not everyone is comfortable investing higher amounts of money or can afford to do that. Personally, I don't. However, we need to set realistic expectations, not only for minor investments but in general. There are some users that are advising newbies to start even as small as $20 to $30 per month, which I'm not against, of course, but at the same time are laying completely unrealistic expectations due to the upcoming halving. $30 per month is $360 per year, which for the majority of us is a petty amount, and it's certainly not enough to make you well-off, despite what happens after the halving cycle is complete.

As I mentioned earlier, I'm not against investing small amounts of money; it's still better than not investing at all, while it also teaches the basic principles of saving and putting aside money for the future. However, this results in making Bitcoin look like a get-rich-quick scheme, which it is not. The media is also assisting in that due to a number of success stories from the early days or by altcoins such as Doge (the Elon Musk incident a few years ago).

I generally stink at storing my seed phrases; I've lost quite a few, if I'm honest, so I possibly don't have the best advice to share. In the past, I usually created new text documents and stored them on my computer. It certainly isn't the safest option, while I had lost quite a few because I ended up losing them in the long run. I'm notorious for losing my offline copies as well, writing them inside a notebook or a piece of paper, only to never be seen again. It's a common occurrence for me. Apart from that, I believe that we're being a little too paranoid without reason. Chances are that none of the scenarios mentioned by the OP are going to happen; no one is going to search you at the airport or wherever and find your seed phrase written on a piece of paper.

Personally, I'd either have copies inside books that I don't use and are light to carry around, in USB flash drives with a keychain on them to carry at all times, or perhaps write the seed phrase in an excel file that already has data in it and hide the seed words in white color. I just thought about the latter option, and it doesn't sound too bad. I don't know if the encrypted folder option on your phone is considered safe; it's supposed to not have access to the internet. I wouldn't trust a Xiaomi or similar Chinese-branded one, though, as they're notorious for being infected with malware.

I might be overexaggerating a little. The truth is that you cannot live with $800 comfortably, but it's a salary that is considered above the minimum wage. The minimum wage, after taxes, is approximately $700 (667 euros, to be precise). Thus, earning $800 with signature campaigns from the comfort of your own home would be pretty awesome, if you ask me. If I had the opportunity to earn such an amount, I'd probably work part-time for tax and insurance and not be at home all day.
Possibly, however, the majority of the signature campaigns out there have requirements in the gambling section, in which I'm not too active. On top of that, due to being away for almost a year in the military, I had pretty limited time, and I was considered lucky to have an office duty, which enabled me to have access to a computer.
To be honest, I don't really care to wait for something that I'm confident it'll happen. I'm not in a hurry to fast-forward to 2024 or 2025, on the contrary, I want to take advantage of the lower prices as much as possible.
I'd be having second thoughts about trading at this point too, at least for Bitcoin. The volatility is so low during some periods that I don't think it would be even worth the hassle. Some altcoins, on the other hand, especially newer ones, are way more unpredictable, which is both a negative and a positive thing, depending on how you look at it.
This used to be a quite common scenario a few years ago. You'd wake up only to see that your Bitcoin was worth $2,000 more. Now, it's like it has stabilized. I'm positive that this situation will change after the halving.