Ten years ago, to make a quick rescue, I painfully sold 3 core coins for 20,000 U. Now? They are worth 600,000 U.

This lesson is the most painful one I’ve learned after a decade of struggling in the crypto world. But recently, after seeing Morgan Stanley’s announcement—that the two major mainstream cryptocurrencies can now be used as collateral—I was completely sober: the era of compliance has truly arrived.

Starting with a principal of 5,000 U, I grew my account to eight figures, experiencing margin calls, being liquidated, and buying the dip along the way. The key to surviving was following three ironclad rules, useful for both beginners and veterans:

**Rule 1: Don’t mess around; hold 80% of your position in mainstream coins**

I’ve tried dozens of tokens, from altcoins, meme coins, to DeFi newcomers. The truth I’ve uncovered is: only those few familiar faces survive two market cycles of boom and bust. Why does Morgan Stanley choose these as collateral? Because their consensus is solid, their technology is stable, and they have worldwide recognition.

Newcomers are most likely to make mistakes by chasing hot trends—today’s hundredfold coin, tomorrow’s explosive growth token. My advice is simple: put 80% of your funds into the two most recognized mainstream assets, and the remaining 20%, you can do whatever you want. Remember, what allows you to sleep peacefully is always those coins “institutions dare to use and retail investors understand.”

**Rule 2: Don’t stupidly sell; use compliant tools to activate your assets**

In earlier years, the dumbest move was to sell coins when short of cash. Many people cut losses and exited in a hurry, only to see the coin price double later. But now, it’s different—