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I have a coinbase and a gemini account. So far so good but I did just receive the hardware wallet I ordered. I'm def going to rely on my hardware wallet rather than an exchange/service. From what I understand, coinbase and gemini are FDIC insured. That does give a little bit of piece of mind when it comes to having USD in your wallet. I trade often but soon I will have some positions long term and with those positions I'm transferring my crypto to the hardware wallet.
I don't have too much experience with Polo, but just today I did make a small purchase with them. I look at it this way, do the best you can to cover your ass. Def get a hardware wallet!
For anyone delving into BTC, beware of August 1st! Do some research on it. Could be a very volatile BTC market in the next month with a possible crash. Just my 2 cents, please do your own research on this one.
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