Centralized exchangers are not reliable.  Because here your money is being controlled by others and so you can say what will happen with them or what will do they in future. Binance came to the market in 2017 and managed to achieve success very quickly till now Binance is known as the biggest and best exchange in the crypto world.  However, just because the us version of Binance was recently suspended in the USA, it does not mean that Binance is going to disappear. Because Binance is not based in USA. Even so, if you want to keep funds in Centralize Exchange, I think it is better to have all kinds of preparations.