I've thought about this. It depends on the market conditions. A lot can go wrong in crypto. Regulations, hacks, mistakes, lost keys.
At 20% APR I thought about going "all in" with any cash in savings. I'd be a nervous wreck though.
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Yes you have a valid point so spreading your assets over a number of asset classes is the way to go forward. do not keep everything in crypto some in fiat too.
Absolutely, that's just good risk management as well and you lose any single point of failure.
As they say, "Don't put all your eggs in one basket"