Bitcoin

Ethereum

Solana

I trade, read on-chain, track macro – yet most of my “long-term stack” stayed in notes, not coins. Week after week, it was the same loop: close a SOL trade first, then “finally” add BTC for the long term — later. Eventually, I got tired of that and handed part of the job to Auto-Invest products on the three exchanges I actually use — Bybit, Binance, and WhiteBIT — with one goal: accumulate BTC, ETH, and SOL without pretending I’ll always catch the perfect dip.
<h2 id="strong-why-i-stopped-worshipping-the-perfect-entry-strong">Why I Stopped Worshipping the Perfect Entry</h2>
Look at BTC in 2025: local washouts around 74.5k, spikes near 126k, now sitting around 96.5k. Count how many times you said “I’ll wait a bit lower” and then watched candles leave without you. Dollar-cost averaging is the opposite of that fantasy: you accept you’re bad at timing and swap hero mode for consistency.
Three recent polls from top CoinMarketCap analysts and investors — one by<a href="https://coinmarketcap.com/community/post/372801788/" rel="noopener noreferrer nofollow"> Vlad Anderson</a>, one by<a href="https://coinmarketcap.com/community/post/372801814/" rel="noopener noreferrer nofollow"> Max Pavlov</a>, and one by<a href="https://coinmarketcap.com/community/post/372801714/" rel="noopener noreferrer nofollow"> Daniel Markson</a> — all point in the same direction. Taken together, these polls show that 74 out of 121 respondents, about 61%, already use Auto-Invest in some form for BTC stacking, with the rest split between manual-only and “considering it” camps.
That’s where Auto-Invest actually earns its keep. All three platforms I used do the same basic thing: buy a fixed amount of a coin (or basket) for you on a schedule — the difference is control. I care about four things:
<ul>
 <li>where funds come from (card vs spot balance),</li>
 <li>how easily I can pause or edit a plan,</li>
 <li>whether PnL and history are visible,</li>
 <li>whether I can limit the price range and the number of buys so the plan isn’t immortal.</li>
</ul>
If we’re going to call ourselves “long-term”, we should at least use tools that don’t depend on whether we’re in the mood to click buy this week.
<h3 id="strong-bybit-low-friction-btc-dca-strong">Bybit: Low-Friction BTC DCA</h3>
On Bybit, I used the standard<a href="https://www.bybit.com/en/fiat/trade/invest/home" rel="noopener noreferrer nofollow"> Auto Invest / Recurring Buy</a> with the simplest setup possible: weekly BTC Auto-Invest for about a year, from early 2025 to early 2026, with a fixed USDT amount from balance. Over those 12 months, BTC moved between ~74.5k and 126k and now sits near 96.5k, and my DCA ended up with an average entry in the mid-90ks. In money terms, that’s roughly 4,000 USDT in and about 4,200 USDT worth of BTC at today’s price — around +5% on pure “set and ignore” over a choppy year.
<img src="https://academy-public.coinmarketcap.com/srd-optimized-uploads/f319a2b72bf041ec96de46458c91da0e.jpg">

In parallel, Bybit EU<a href="https://www.cointribune.com/en/bybit-eu-launches-auto-invest-accumulate-crypto-automatically-via-bank-card/" rel="noopener noreferrer nofollow"> rolled out</a> a MiCA-compliant Recurring Buy: Auto-Invest straight from a bank card for EEA users with daily/weekly/monthly debits. On paper, it’s perfect for hands-off DCA, but two things kill it for me: you eat extra card spread on top of trading fees, and you can’t really tweak a live plan — you cancel and recreate instead.
Verdict: if you just want “more BTC, no settings”, it’s fine. I miss deeper control, clear per-plan performance and flexible edits, so my main Auto-Invest stack lives elsewhere.
<h3 id="strong-binance-smart-portfolio-high-maintenance-strong">Binance: Smart Portfolio, High Maintenance</h3>
On Binance, I went the opposite way and used a recurring portfolio plan – the<a href="https://www.binance.com/en/convert/USDT/BNB?activeTab=recurring" rel="noopener noreferrer nofollow"> Convert Recurring / Auto-Invest</a> stack they’ve been merging everything into. One plan, allocations: BTC 50% / ETH 30% / SOL 20%. Same 2025 window, regular buys.
<img src="https://academy-public.coinmarketcap.com/srd-optimized-uploads/90d0b60ed50e43b1940fb8c147f54688.jpg">

Result, coin by coin:
<ul>
 <li>BTC: same story as on Bybit – average slightly below the current 96.5k, about +4–5% on that slice.</li>
 <li>ETH: traded between ~1,385 and 4,957, now near 3,340; my DCA average landed around 2,700–2,800, so roughly +20–25%.</li>
 <li>SOL: swung from ~95 to 295, now around 146; my average sits closer to the middle, roughly 180–190, so about –15–20%.</li>
</ul>
When weighted together, that basket sits around +7–8% on the year on a few thousand USDT of contributions. Nothing legendary, nothing embarrassing.
Binance, meanwhile, keeps reworking this stack: a 2025 Auto-Invest / Convert Recurring<a href="https://www.binance.com/en/support/announcement/detail/01c33dde27854a768770951130265af2" rel="noopener noreferrer nofollow"> update</a> shut down the old Auto-Invest index-linked plans and folded everything into a single “smarter” Convert Recurring portfolio flow. Officially, it’s about “focusing on higher-value products”; in practice, it’s another forced migration and a reminder that your “passive” portfolio lives on someone else’s roadmap. Good for features, bad for peace of mind.
If you like tweaking allocations and following every product update, it’s the richest Auto-Invest toolbox I’ve used. If you want a passive plan to stay in the background, it feels a bit too alive.
<h3 id="strong-whitebit-where-i-actually-parked-my-auto-invest-strong">WhiteBIT: Where I Actually Parked My Auto-Invest</h3>
WhiteBIT ended up being the setup I actually kept. The<a href="https://whitebit.com/auto-invest/overview" rel="noopener noreferrer nofollow"> Auto-Invest</a> dashboard shows total invested, current PnL and all plans in one place, with APR snapshots and simple notifications when a buy goes through or the balance is too low.
The real difference for me is control:
<ul>
 <li>I can set a price band so the plan only buys inside that range.</li>
 <li>I can set a fixed number of iterations so it doesn’t run forever.</li>
</ul>
After one of the autumn sell-offs in 2025, when BTC was back in the high-80k zone, and ETH was hanging just under 3k, I started two core plans on WhiteBIT and let them run into early 2026:
<ul>
 <li>a weekly BTC Auto-Invest with a fixed USDT amount and an upper price cap;</li>
 <li>a smaller but more frequent ETH plan with its own cap and iteration count.</li>
</ul>
Over those couple of months:
<ul>
 <li>BTC climbed from roughly the high-80k area to around 96.5k; my DCA average landed near 90k, so that plan sits around +7–8%.</li>
 <li>ETH moved from just under 3k towards 3,340; my average is close to 3,000, leaving me roughly +10–12%.</li>
</ul>
Scale: around 1,500–2,000 USDT split between both plans in that window and roughly 180–200 USDT of unrealized profit. That mix of control and low drama is exactly what I was missing on Bybit (too few knobs) and Binance (too many moving parts).
<h2 id="strong-quick-step-by-step-how-i-actually-set-it-up-strong">Quick Step-by-Step: How I Actually Set It Up</h2>
The flow is pure and simple in the best possible way:
First, I opened Auto-Invest in the Earn section and hit Create Plan.
<img src="https://academy-public.coinmarketcap.com/srd-optimized-uploads/34dbfaa8f28d46c2a854fecad66c1b03.png">

On the plan screen, I set USDT as the asset I give and picked BTC in the “Receive” field, then typed in the amount I’m comfortable with per run – in this case, it was 83 USDT from my trade balance.
<img src="https://academy-public.coinmarketcap.com/srd-optimized-uploads/5dc911dfcfa14bd3b8ac52a0d2099d2a.jpg">

For the schedule, I chose Weekly and locked it to a specific day and time so the buys always hit the market in the same slot.
<img src="https://academy-public.coinmarketcap.com/srd-optimized-uploads/0dbb4e5ad016455dbf023e723abb028e.jpg">

In Advanced Settings, I set a price range so the plan only buys BTC inside my band, and change the Number of Purchases from ∞ to a fixed count if I don’t want the plan to run forever.
<img src="https://academy-public.coinmarketcap.com/srd-optimized-uploads/839eae3028c14a3887bb997eab7edfed.jpg">

On the confirmation screen, I double-checked the pair (USDT → BTC), the weekly frequency, and the investment size, then hit Confirm and let the plan do its thing.
<img src="https://academy-public.coinmarketcap.com/srd-optimized-uploads/f055260d5c704cd8a9e575dec21fdc0b.jpg">

No new UX every month, no surprise migrations. That’s basically why my current Auto-Invest stack lives there.
<h2 id="strong-liquidity-and-what-the-numbers-really-say-strong">Liquidity and What the Numbers Really Say</h2>
Across all three setups, I only used liquid majors – BTC, ETH, and SOL – and everything bought through Auto-Invest went straight to spot. No lockups, no wrappers.
Results:
<ul>
 <li>Bybit BTC DCA: ~+5%.</li>
 <li>Binance BTC/ETH/SOL portfolio: ~+7–8%.</li>
 <li>WhiteBIT BTC+ETH with bands and finite runs: high-single to low-double-digit gains.</li>
</ul>
Across a mid–four-figure total in contributions, that adds up to roughly 600 USDT of unrealized profit.
<h2 id="strong-so-is-auto-invest-worth-it-strong">So, Is Auto-Invest Worth It?</h2>
Auto-Invest is worth it for me, as long as the platform doesn’t get in the way. Bybit is the simple weekly BTC lane, Binance is the powerful option you have to babysit, and WhiteBIT is where I actually run BTC/ETH plans thanks to clear PnL, price bands and finite runs. Auto-Invest doesn’t make you smarter – it just cuts out the weakest part of most “long-term” plans: the promise to buy “later, when it’s calmer.”

My Wallet Check: Three Auto-Invest Runs That Made Me Money

Table of Contents

Tyler McKnight

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