The most efficient wallet is USDT (BEP20) - lowest transaction fee and fast speed.
You can create and manage the funds via:
+ Binance Wallet: https://binance.com
+ ByBit Wallet: https://www.bybit.com/
+ Remitano Wallet: https://remitano.com/
We don't store any fund and balance in our website. YOUR MONEY IN YOUR WALLET (PERFECT MONEY or BITCOIN)