I applied that with the USDT and what it leaves off in performance when it collapses, I buy a little bit of cryptos and also transfer them to earn and let it accumulate performance

For newcomers. If you are going to invest money in Binance earn, the correct way is like this.

First, if you want to save without risks, save 200 USDT.

The Binance earn flexible of USDT is the one that gives the most yield, but only up to 200 USDT because after that, the rest you put in will no longer earn 7% APR but will earn about 2% (I don't remember the exact %)

So if you put 230 USDT in earn, it would look like this.

200 USDT (with a yield of 7%)
30 USDT (with a yield of 2%)

The correct strategy is like this:
200 USDT earn flexible (7%)

Then you continue buying USDT and convert them to USDC.

There is a pair USDT/USDC (I believe it charges no commission) and it is better to convert them like this than to buy USDC directly in p2p.

Now your savings would look like this:
200 USDT 7% APR
5000 USDC 6% APR

After that, honestly, I don’t know if there is another stable coin because I don’t handle that much money, but I always try to research how to maximize yield.