Most people obtain cryptocurrency for the purpose of speculating on its value. "Investing" is by far the most popular use of crypto (excluding criminal activity).
The instrument used to speculate on the price of cryptocurrency is a CFD, in which case you take gains in stablecoins like Tether. It's foolish to leave any cryptocurrency long-term on an exchange wallet. If you're trading the spot market directly, you should take the cryptocurrency off the exchange immediately, as soon as you buy it.
