Hi everybody, I have about 16,000 USD.
But I'm very new this coin market. I need advice from experienced people. Because I'm so confused

Please inform me correctly
Aside from BNB, Matic, ADA and XSN, currently my focus is on PAYB, the token of Paybswap, as it's still undervalued and holds so much growth potential:
- A DEX using lock and unlock contracts to perform cross-chain trades between BSC and ETH.
- NFT marketplace
- Liquidity farming
- Staking pool