# Getting set up

To start you portfolio, download a centralised wallet, we highly suggest [Binance](http://accounts.binance.com/register?ref=818985514), the largest and most trustworthy globally.

*A centralised wallet is a crypto wallet which is held and operated for you by a regulated third party financial institution, similar to how a bank handles your money. These require government verification to be set up, as opposed to a decentralised wallet which does not. Some examples include:*

| Centralised | De-centralised |
| ----------- | -------------- |
| Binance     | Metamask       |
| Coinbase    | Phantom        |
| ByBit       | Exodus         |

***

Once you have set up your Binance account, buy *$USDT* by depositing through your bank/credit card. For a more in depth tutorial, click [here](https://www.binance.com/en-AU/support/faq/how-do-i-deposit-withdraw-cryptocurrency-on-binance-85a1c394ac1d489fb0bfac0ef2fceafd).

{% hint style="info" %}
*$USDT is a stablecoin\* that tracks the price of the US dollar. You can think of $USDT simply as US dollars, just in your crypto wallet.*

*A stablecoin is a type of cryptocurrency that is designed to maintain a stable value by pegging its price to a fiat currency, commodity, or basket of assets, providing a reliable store of value and medium of exchange within the cryptocurrency ecosystem.*

*An example of this is USDT, which tracks the value of the US dollar. This means that 1 USDT always equals 1 USD.*
{% endhint %}

***

That’s it! You have now set up and funded your first crypto wallet, meaning you are ready to start investing.


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