The market crashed, Celsius locked withdrawals, and I sought safety. 

I made moves I'm proud of and others which were silly. I'll put my pride aside and report both.

Coinloan to Self-Custody

Celsius locking withdrawals reinforced the old adage "not your keys, not your crypto."

Coinloan is a similar platform to Celsius. I trust Coinloan, they provide solid yields, but I don't own any private insurance contracts protecting my deposits. So I withdrew my Coinloan funds and sent them to my Ledger hardware wallets. 

This was likely an unnecessary move, made out of an abundance of caution. However, I do not regret this decision.

Kraken is King

I sent the majority of the SOL in my hardware wallet to Kraken where it continues to earn 6-8% APY.

BNB Back to Binance

The BNB I held at Coinloan for a 7.2% yield went back to Binance.US where it is now earning a 6.4% yield. The 7.2% rate was scheduled to decrease to 6.2% a few days from now, so I don't regret moving back to Binance early.

Exited Finblox

I didn't have much with Finblox, but I decided to take everything out, anyway. A day or two later, Finblox restricted withdrawals to $1,500 per month. 

Hodlnaut to Coinbase (and Back Again)

Hodlnaut is also a similar platform to Celsius. I own a private insurance policy from Nexus Mutual which protects my deposits in the event of a hack or a 90 day suspension of withdrawals, but fear caused me to make a mistake and I withdrew my funds from Hodlnaut. I had to pay a $10 withdrawal fee in order to do so. 

I have since corrected my mistake and returned my funds to Hodlnaut. 

Lessons Learned

"Time is your friend, impulse is your enemy." 

Withdrawing from Hodlnaut was a mistake, an impulsive move motivated by fear. 

It was a bad decision which I corrected within 24 hours. I'm glad it only cost me $10.

I bought more custodian insurance from Nexus Mutual for my Hodlnaut deposits. They pay 5.3% on BTC and 9.4% on USDC. Coinloan pays 10.3% on USDC, but until I can buy private insurance for them the way I can for Hodlnaut, I can't justify keeping significant sums with them.

BNB belongs at Binance

Binance.US pays a solid 6.4% yield on BNB and doesn't charge transaction fees for staking and unstaking. I keep a small supply in self-custody, too.

Kraken: Happy Home for ETH 2.0, SOL, and ADA

Kraken is famous for its security and the 4-7% yield for ETH 2.0, 6-8% for SOL, and 4-6% for ADA just sweetens the deal. My Coincover insurance policy covers Kraken, too. 

Keeping a Little Bit of Everything in Self-Custody

I love my Ledger wallets, and in these uncertain times, I feel better knowing I can always access those funds.