Preferably it's adviced to transfer Bitcoin or USDT to an individual wallet when you are holding long-term. Allowing crypto on exchanges such as Binance holds risks—your money can be frozen, lost in hacks, or disturbed by government crackdowns, mostly in Nigeria. Holding an individual wallet, you are in control of your private keys and secure your assets. Exchanges are preferred with trading or short-term use, but not adviced for savings. This is the rule: "Not your keys, not your coins." For stronger security, use trusted wallet, and make sure to always back up seed phrase.
By so doing your crypto remains in your possession and not someone else's system.