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Most people treat their crypto app like a basic digital vending machine: you sign up, link a card, buy some Bitcoin, and leave it sitting there. While the platform is incredibly beginner-friendly, treating it like a simple storefront means you are missing out on some of its best tools.

If you want to maximize your experience, lower your trading fees, and make your money work harder for you, it’s time to dig just a little bit deeper into the settings. The platform has hidden features built right in that can save you cash and even earn you passive rewards on the assets you already own.

For starters, you can switch your view to access professional trading tools for free. This gives you deeper charts and, most importantly, much lower transaction fees than the standard easy-buy screen. You can also put your idle crypto to work through built-in rewards programs, allowing you to earn a steady percentage return just for holding certain coins. Stop using your app on the surface level. Take ten minutes this week to explore the dashboard and unlock its full potential.

How to Find and Activate Hidden Tools

1. Switch to Advanced Mode: Tap your profile icon, go to your account settings, and look for the Advanced Trade toggle. Flipping this on gives you access to a professional interface with significantly cheaper trading fees for the exact same purchases.

2. Turn on Crypto Rewards: From the main menu, tap on the Earn or Learning Rewards tab. Here, you can opt-in to stake assets like Ethereum or Solana to earn a steady annual return directly into your balance.

3. Set up Paycheck Direct Deposit: Go to your account settings, select Direct Deposit, and follow the steps to route a small percentage of your regular work paycheck directly into your crypto cash balance automatically each month.

4. Check Your Tax Dashboard: Scroll down to the Taxes section in the main menu. Instead of trying to calculate your gains manually, use this tab to get an instant, organized breakdown of your cost basis and transaction history ready for tax season.

Tips for Success

• Upgrade your security: While you are digging through your settings, go to the security tab and switch your two-factor authentication from basic SMS text messages to a secure authenticator app to protect your funds from hackers.

• Learn and earn: Check the rewards section frequently for short, text-based quizzes. The app will give you small amounts of free crypto just for reading brief educational slides about new projects.

It’s easy to feel like a financial genius when the green candles are flying and your portfolio is up week after week. The real test of an investor isn’t how you handle the bull runs—it’s how you handle the brutal, red days when everything is crashing and panic sets in.

When the market enters a steep correction, the mainstream media starts writing obituaries for crypto, social media turns into a doom-scrolling nightmare, and you might find yourself checking your balance every twenty minutes just to watch it drop. It can make your stomach churn, but reacting out of fear is the absolute worst thing you can do.

First, take a deep breath and zoom out on the charts. If you look at Bitcoin or Ethereum over the span of the last few years instead of the last few hours, the horrific crash you’re stressing over today usually looks like a normal, temporary blip on a long-term upward trajectory. Market cycles are completely normal.

Second, ask yourself if the fundamental reason you bought the asset has changed. Is the network failing? Is the technology broken? Usually, the answer is no. The system is working perfectly; it’s just short-term human emotion driving prices down. The absolute worst mistake you can make during a market bottom is panic-selling your high-quality assets to big players who are waiting to scoop them up at a discount. Downturns are where real long-term wealth is built.

How to Manage a Down Market

1. Open your app settings, go to notifications, and temporarily turn off price alerts if they are causing you anxiety.

2. Change your chart view from the 1-hour or 1-day view to the 1-year (1Y) or All-time (ALL) view to keep perspective.

3. Review your automated recurring purchases to make sure they are still running seamlessly.

4. If you have extra cash you don’t need for living expenses, set up a manual buy order to grab a fractional amount of your favorite coins while they are on sale.

5. Close the app, step away from your phone, and focus on your hobbies or family for the weekend.

Tips for Success

• Let your automation work for you: A market crash means your automatic weekly buy is quietly stacking up double the crypto for the exact same dollar amount. Let it run.

• Keep your emergency fund separate: Never invest money that you need for rent, groceries, or bills. If your daily life is completely taken care of by cash in a traditional bank account, a crypto drop won’t scare you into making bad decisions.

Imagine you hit a corner where you need some quick cash. Maybe it’s a home repair, a sudden unexpected bill, or a great real-world opportunity. If your money is tied up in Bitcoin or Ethereum, your first instinct might be to sell off a portion to clear the expense.

Before you click that sell button, let’s talk about why that might be an expensive mistake. Selling your crypto does two things you want to avoid: it forces you to give up your future upside potential, and it creates a taxable event where you might owe the government a cut of your gains.

Instead, you can actually borrow cash directly against your existing Bitcoin or Ethereum within the app. Your crypto acts as collateral, staying safely locked up while you get cash sent right to your bank account or as a digital stablecoin. When you pay back the loan, your assets are fully unlocked.

This is an incredibly powerful financial tool, but because crypto prices move fast, it requires strict discipline. If the market takes a sudden dive, the value of your collateral goes down. If it goes down too far, you risk having some of your crypto sold off automatically to cover the loan. For this reason, you should only borrow a small fraction of what your total crypto is worth. If you keep your borrow amount conservative, you can ride out the wild market swings safely without sweating.

How to Take Out a Crypto Loan

1. Tap on your profile icon or navigate to the menu and select the Borrow or Loans section.

2. Choose the asset you want to use as collateral (such as Bitcoin).

3. Enter the amount of cash you need to borrow. The app will automatically show you the minimum amount of crypto you need to post to back it up.

4. Review the interest rate and the health indicator of your loan. Make sure your loan health stays safely in the “green” zone.

5. Select where you want the funds sent (directly to your linked bank account or as a balance in your app).

6. Agree to the terms and click Confirm to receive your funds instantly.

Tips for Success

• Keep a massive safety buffer: Never borrow the maximum amount allowed. If you have $1,000 in crypto, try to borrow no more than $300 to $400. This gives your account plenty of breathing room if prices drop overnight.

• Set up alerts: Check your notification settings to ensure you have push notifications and emails turned on for account balances so you can react quickly if the market shifts.