Smart Accumulator
Overview
Smart Accumulator buys a coin on a schedule and holds it, like dollar-cost averaging, but sizes each buy by price. It compares the last daily close with the coin's 200-day average: below the average it buys 1.5x the amount, more than 1.5x above it it buys half, otherwise the normal amount. The default is $100 every Monday (UTC), and everything is a setting: the amount, daily, weekly or monthly buys, the multipliers and a total spending cap. An optional take-profit sells 10% of the holding when price is more than twice its 200-day average, at most once every 30 days. Spot only: no leverage, no shorts, no stop-loss. It cannot make money on a coin that keeps falling: buying more below the average means holding more of it. Tested on 43 coins with settings fixed before the test: the smart rule bought at a lower average price than plain weekly buying in 98% of cases. Over 2 years BTC returned a median 38% on the money put in. On 20 altcoins it was never tuned on, in a mostly falling market, the median 2-year result was -14% (plain weekly buying -18%), and about break-even with the take-profit on.
- Buys on a schedule: daily, weekly (default) or monthly
- 1.5x below the 200-day average, half when far above it
- Optional take-profit: sells 10% when price is over 2x its average
- Spot only: no leverage, no shorts
- Every amount, day and multiplier is a setting
- Tested on 43 coins with settings fixed before the test
Requirements
| Supported Markets | Spot |
Configuration Parameters
Buying
How much and how often to buy
| Parameter | Type | Default | Description |
|---|---|---|---|
BUY_MODEBuy size | Select: amount | percent | amount | amount = a fixed dollar amount per buy; percent = a percentage of the free balance per buy |
BUY_AMOUNTBuy amount ($) | Number (10–1000000) | 100 | Dollars per scheduled buy before the multiplier (amount mode) |
BUY_PERCENTBuy percent (% of free balance) | Number (0.1–100) | 2 | Percent of the free balance per scheduled buy before the multiplier (percent mode) |
FREQUENCYHow often | Select: daily | weekly | monthly | weekly | How often to buy |
BUY_WEEKDAYWeekly buy day (UTC) | Select (7 options) | monday | Day of the week for weekly buys (UTC) |
BUY_MONTHDAYMonthly buy day (UTC) | Number (1–28) | 1 | Day of the month for monthly buys, 1 to 28 (UTC) |
MAX_TOTAL_SPENDTotal spending cap ($, 0 = none) | Number (0–100000000) | 0 | Stop buying once this many dollars have been spent (0 = no cap) |
Smart sizing
Buy more below the long-term average and less far above it
| Parameter | Type | Default | Description |
|---|---|---|---|
SMART_MODESmart sizing | Select: bands | off | bands | bands = adjust the amount to price vs its long-term average; off = plain DCA |
TREND_SMA_DAYSLong-term average (days) | Number (50–400) | 200 | Days in the long-term simple average |
BELOW_MULTMultiplier below the average | Number (0–5) | 1.5 | Multiplier below the average |
HIGH_LEVELHigh level (x average, 0 = off) | Number (0–10) | 1.5 | Price / average at or above this uses HIGH_MULT (0 = off) |
HIGH_MULTMultiplier at the high level | Number (0–5) | 0.5 | Multiplier well above the average |
DEEP_LEVELDeep level (x average, 0 = off) | Number (0–1) | 0 | Price / average below this uses DEEP_MULT (0 = off) |
DEEP_MULTMultiplier below the deep level | Number (0–5) | 2 | Multiplier far below the average |
EXTREME_LEVELExtreme level (x average, 0 = off) | Number (0–10) | 0 | Price / average at or above this uses EXTREME_MULT (0 = off) |
EXTREME_MULTMultiplier at the extreme level | Number (0–5) | 0 | Multiplier at extreme highs (0 = skip the buy) |
Take profit
Optional: sell part of the holding when price is far above its average
| Parameter | Type | Default | Description |
|---|---|---|---|
TAKE_PROFIT_LEVELSell above (x average, 0 = never) | Number (0–10) | 0 | Sell part of the holding when price / average is above this (0 = never sell) |
TAKE_PROFIT_PCTShare of holding sold (%) | Number (1–50) | 10 | Percent of the holding sold per take-profit |
TAKE_PROFIT_COOLDOWN_DAYSDays between sales | Number (1–365) | 30 | Minimum days between take-profits |
Recommended Position Sizing
| Size Type | Percentage |
| Value | 100% |
| Leverage | 1x |
Each buy is the strategy's Buy amount setting times its multiplier. The app never sends an order larger than the bot's position size, so 100% of balance keeps that ceiling out of the way; it never buys more than the strategy asks.
Version Info
Current Version: v1.1
Latest Changes
Smart Accumulator 1.1: optional percentage buys (BUY_MODE=percent: BUY_PERCENT x the multiplier, % of the free USDT balance at each buy, capped at 100%). The default amount mode is 1.0 unchanged (engine runs identical trade for trade).
Changelog
| Version | Date | Type | Changes |
|---|---|---|---|
| v1 | 2026-11-10 | major | First release: scheduled buying on daily candles, spot only, Smart sizing: 1.5x below the 200-day average, 0.5x above 1.5x it, Optional take-profit, spending cap, daily/weekly/monthly schedule, Tested on 43 coins, 20 of them never used before (x1110) |
| v2 | 2026-11-10 | minor | Percentage buys: a % of the free balance per buy, as an option (BUY_MODE), Fixed-amount buys unchanged |