How to use the Binance Auto-Invest plan? (Dollar Cost Averaging)

Understanding Auto-Invest Mechanics

1. Auto-Invest on Binance enables users to execute recurring purchases of selected cryptocurrencies using fiat or stablecoins at predefined intervals.

2. The system supports daily, weekly, bi-weekly, and monthly schedules—users choose the frequency before confirming the plan.

3. Each purchase executes automatically at the market price prevailing at the time of execution, not at a pre-set limit or stop order.

4. Users may select from over 100 eligible tokens including BTC, ETH, SOL, and USDT-based index products such as BTC/ETH 50-50 Index.

5. Minimum investment thresholds vary by asset: for example, $10 for BTC, $5 for ETH, and $1 for smaller-cap tokens like ADA or DOT.

Setting Up a New Plan

1. Navigate to the “Wealth” tab in the Binance app or web interface, then select “Auto-Invest” under the “Products” section.

2. Tap “Create Plan”, choose the target cryptocurrency, and specify the funding source—either fiat balance (e.g., USD, EUR) or stablecoin holdings (e.g., USDT, BUSD).

3. Input the fixed amount per cycle and confirm the recurrence interval—no fractional amounts below the minimum are accepted.

4. Review the projected annualized yield if the plan includes staking-linked assets; this figure reflects estimated rewards from underlying protocols, not guaranteed returns.

5. Confirm with Google Authenticator or SMS verification—the plan activates immediately after final approval.

Managing Active Plans

1. All active plans appear under “My Plans” with real-time metrics: total invested, current value, number of executions, and average entry price.

2. Users may pause or resume a plan without canceling it—pausing halts future deductions but preserves historical data and accumulated assets.

3. To modify frequency or amount, the existing plan must be canceled first; a new one is then created with updated parameters.

4. Cancellation triggers immediate termination of future deductions, though already executed purchases remain in the spot wallet and are non-refundable.

5. Historical records include timestamps, executed prices, fees deducted (0.1% per transaction), and net asset value changes across cycles.

Fees and Tax Implications

1. Binance charges a flat 0.1% fee on each auto-executed trade, applied before asset allocation—not added post-purchase.

2. No custody or management fees apply to idle balances within the Auto-Invest module; funds remain in the user’s unified account.

3. Every completed purchase constitutes a taxable event in jurisdictions recognizing crypto disposals or acquisitions—users receive CSV export files for reporting.

4. Stablecoin-funded plans avoid exchange rate volatility between fiat and crypto but still incur slippage during high-volume execution windows.

5. Withdrawals from Auto-Invest holdings follow standard spot wallet rules—no lock-up periods, no early exit penalties.

Frequently Asked Questions

Q: Can I use multiple funding sources in one Auto-Invest plan?No. Each plan permits only one funding source—either a single fiat currency or one stablecoin type. Mixing USD and USDT in the same plan is not supported.

Q: What happens if my funding balance is insufficient on execution day?The system skips that cycle without notification. No partial fills occur, and the plan continues on the next scheduled date if sufficient balance exists.

Q: Are Auto-Invest purchases reflected in my Binance Savings dashboard?No. These transactions are separate from Flexible or Locked Savings products. Holdings appear exclusively in the Spot Wallet and My Plans summary.

Q: Does Auto-Invest support market orders only, or can I set limit orders?Only market orders are available. Limit orders, stop-market triggers, and conditional logic are excluded from the Auto-Invest framework.