Right now I'm holding my crypto in a mix between:
I also have a tiny amount on Cash App. It's great to have interest payments from Celsius or Voyager, but I worry about security. Has anyone thoroughly evaluated these? It seems like having 2-3 of these seems more secure/easier than holding a Ledger wallet.
In particular, I'm considering putting it into Gemini and turning off the "earn" function, just looking for storage really.
Search the forum for Blockfi. This has been discussed. Blockifi/Gemini is likely the most secure.
Crypto.com now has $750m insurance, but they probably hold billions in assets. NEXO has $250m insurance.
For security, hold in cold storage - SafePal, using your own generated keys (search the forum). Then you can use DeFi for yield.
I only use a few centralised products for yield and diversification.
My main worry with centralised is not hacking, but that one day I will be blocked from withdrawing due to new legislation, like in The Netherlands.