DCA strategy on Binance while staying in the higher Earn tier — anyone else doing this?

I've been buying sats monthly on Binance with a strategy I wanted to share in case it's useful or someone has a better approach.

The core idea:

Binance's Earn Simple – Flexible product pays daily interest on your BTC balance, but it has two tiers:

• Balance 0 to 0.01 BTC → 0.28% APR
• Balance above 0.01 BTC → 0.03% APR

That's a massive drop. Going over 0.01 BTC cuts your yield by nearly 90%.

My plan:

1. Buy sats every month, keeping the balance below 0.01 BTC to always stay in the 0.28% tier.
2. Every day, a few extra sats get added through the daily interest payout.
3. After 1 year — or earlier if the balance gets close to the 0.01 BTC limit — I sweep everything to a cold wallet and restart the cycle from zero.

The 1-year window isn't a hard deadline, it's the maximum I plan to keep funds on the exchange. If BTC's price rises and my monthly buys push the balance toward the threshold sooner, I just move everything to cold storage earlier and start over. The goal is always the same: never cross 0.01 BTC, never get stuck in the lower tier.

My question:

Does this approach make sense? Is optimizing for the Earn tier actually worth it when the daily gains are just a handful of satoshis? Or is the smarter move to just buy and send directly to cold storage, avoiding the custodial risk of leaving funds on an exchange altogether?

Happy to hear your thoughts.