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Online trading: what it is and how to start mindfully

Giordano SalvatoriGiordano Salvatori, founder of STA · 19/10/2026 · 6 min read
A laptop with a trading chart on screen: online trading is done through a platform on the internet
In short. Online trading is buying and selling financial instruments, such as shares, cryptocurrencies or derivatives, through a platform on the internet. To start mindfully you need three things before money: knowing how much you can lose on each trade, choosing an authorised platform and practising on a demo account, with virtual capital and real prices. Most beginners lose money, and knowing it in advance is the best way not to become part of that statistic.

What online trading is

Online trading means buying and selling financial instruments from a computer or a phone, through a platform. It can be a share, a cryptocurrency, an ETF or a derivative contract. The difference from long term investing is time: a trader holds a position for hours, days or weeks, and tries to profit from price moves.

You can make money when the price rises, with a long, or when it falls, with a short position. If these two terms are new to you, we explain them in the guide on long and short.

To understand what you really buy, with which instruments and what each trade costs, there is the guide to online trading explained from the inside.

How to start online trading from scratch

  1. Decide how much you can afford to lose. Not how much you want to make. Use only money you don't need to live on and decide in advance how much of the account you risk on each trade. Many experienced traders never go beyond 1 or 2%.
  2. Choose an authorised platform. Companies offering financial instruments must be authorised and supervised. Before opening an account check the official registers, such as your national regulator's, and for cryptocurrencies make sure the platform holds the European authorisation required by the MiCA regulation.
  3. Practise on a demo account. It is an account with virtual money and real prices. It lets you make mistakes without paying the bill for them.
  4. Put a stop on every trade. A stop loss closes the position at a price you choose before entering. It is the simplest way to know in advance how much you can lose.
  5. Keep a journal. Write down why you entered, where the stop was and how it ended. After twenty trades the journal tells you more than any course.

If you plan to do it from home, read how to get organised for trading from home. If systems that trade on their own intrigue you, there is the guide on automated trading.

The mistakes that cost beginners the most, one by one, are in the online trading guide for beginners.

If you wonder whether is trading online worth it, with spreads, fees and hidden costs taken into account, there is a separate guide on costs.

If you wonder whether trading is legal, who oversees the platforms and how taxes work in Italy, you will find the answer in a separate guide.

If you are curious about trading online with artificial intelligence, what it can really do and how to try it on a demo account, has its own guide.

If you want to know how to decide how much to risk on each trade, there is the guide to risk management in trading, with the basic rules and a worked example.

How much money you need for online trading

Many platforms let you start with a few tens of euros. The real question, though, is not the minimum to get in, it is how much you can lose without it changing your life. With a small account, risking 1% means very small trades, and that is perfectly fine. At the start you are paying for experience, not chasing profit.

Be careful with leverage. It lets you move more money than you have, and for the same reason it can wipe out your margin quickly. To work out how much to buy based on your stop you can use our position size calculator, free. The full discussion, with the numbers, is in how much money you need to trade online.

Do people really make money with online trading?

Some do, most don't. In Europe, brokers offering CFDs must disclose how many of their clients' accounts lose money, and the published figures are almost always between 70% and 90%. It is worth remembering every time someone promises easy profits.

Those who stay in the game for long usually share three things. Small losses decided in advance, few trades chosen calmly, and the ability to sit through a bad streak without changing method halfway. We cover this in the guide on drawdown and in the one on R and win rate. The deeper look, with the numbers, is can you make money with online trading? The honest numbers.

The demo account, the first mindful step

A demo account uses virtual capital and real market prices. It helps you learn how a platform works, test a method and see your own mistakes without paying for them. It has one limit worth knowing: with pretend money, fear and greed weigh less, so on a demo everyone is a bit better than they will be with real money.

That is why the advice is to use it for a long time, with the same amounts you would really use, and move to real money only when you have a journal of many trades and can explain every loss.

To go further we have guides on the free demo trading account, the trading simulator, the crypto demo account, on how long to stay on demo and on moving from demo to a real account.

Safe online trading: how to spot those who promise too much

Be wary of anyone who promises fixed returns, very high win rates or gains with no risk. Nobody knows where the price will go. A serious offer tells you how much you can lose, shows you past results in a verifiable way, losses included, and never asks you to hand your money to someone you met in a chat. To check who is behind a platform before you send money, read how to recognise a serious trading platform. We have also written a guide on how to recognise the reliable trading signals.

Where STA fits in

STA offers trading cards for crypto and US stocks on OKX, built by a team of artificial intelligence agents that debate with each other before proposing a trade. Every card comes with entry, stop and target already set, and the track record is public and verifiable on GitHub, losses included.

You can try it with a DEMO account that is free forever, with virtual capital, real prices and the same cards as people using STA with real money. It is a way to practise online trading with a method, without risking anything.

Frequently asked questions

How much money do you need to start online trading?Many platforms let you start with a few tens of euros. More than the minimum, what matters is how much you can lose without consequences: use only money you don't need and risk a small part of the account on each trade.
Do people really make money with online trading?Some do, most don't. In Europe, CFD brokers disclose that roughly 70% to 90% of retail accounts lose money. Those who last longer cap their losses before entering and don't chase easy profits.
Is online trading legal in Italy?Yes, if you use an authorised platform. Companies offering financial instruments are supervised and listed in official registers, such as Consob's in Italy, and for cryptocurrencies the European authorisation required by the MiCA regulation is needed.
Can you trade online without real money?Yes, with a demo account, which uses virtual capital and real prices. It is the most sensible way to start, because it shows you your mistakes without making you pay for them. STA offers a DEMO account that is free forever.
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This article is for information only and is not investment advice. Trading crypto-assets involves a high risk, including the total loss of the capital used. Numerical examples are for illustration.

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