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Binance USDT-M vs COIN-M futures: which to choose? Long/short, fees, and liquidation risk

Binance futures come in two types: USDT-M (USDT-margined) and COIN-M (margined with BTC/ETH and other crypto). They differ in margin currency, settlement currency, fees, and how long and short positions gain or lose. This article uses one comparison table and three worked examples to explain the core difference, then gives a clear recommendation: beginners and short-term traders should prefer USDT-M, while miners and long-term holders who want to accumulate more coins should consider COIN-M — plus a separate section on why shorting COIN-M is the most dangerous move.