1. Need ba ng KYC sa binance if you are just a low time investor/trader?
@mirakal is correct. You can always trade without being KYC verified unless otherwise you are going to utilize Binance P2P Platform. Doon nagrerequire sila ng KYC for security and safety purposes for both buyer and seller pero kung mag te-trade ka lang nang hindi lalagpas ng 2 BTC yung withdrawal mo -- you can trade your coins freely.
2. Safe ba gamitin na mag send ng xrp (or even other coins such as eth, and bch) to Coins.ph?
As far as I know safe naman unless otherwise you are constantly transferring coins from gambling site to coins.ph or vice versa. Kasi based sa mga nabasa kong previous cases dito sa local section natin, may ilang members na nasuspend yung account due to transactions which involves gambling activities (
galing sa gambling site.) Though I've never experienced such case kahit na nagtransfer ako ng BTC from gambling site to coins a few times. But still, I do not recommend to do it lalo na kapag madalas tapos against pa sa TOS nila.
(c) Gambling: Online gambling, lotteries, casinos and informal gambling, gaming operations, sports betting, and other games of chance and forms of speculation;