BTC vs USDT — Safety vs Upside, Use Both

You asked: BTC or USDT? I see USDT as a cash-like stablecoin that preserves capital and provides liquidity, and BTC as a volatile growth asset and long-term inflation hedge.

If you need short-term stability or are waiting for a clearer entry, keep funds in USDT. If you have a multi-year horizon and can tolerate drawdowns, I would accumulate BTC gradually rather than committing everything at once.

Practically, I use a split: keep a portion in USDT as dry powder and dollar-cost-average into BTC over time to manage timing risk.