River is a good company and I've used them since 2022, but I'm not a fan of leaving my Bitcoin on an exchange or leaving my Fiat in an account that isn't covered by FDIC or SIPC insurance.

It's a cool feature, but if Lead bank (their partner) fails, who knows if you'll ever see that Fiat. Not much different than neobanks.

I was a loyal WaMu customer in 2008, that was a lesson learned, especially after coming under Dimon's control.

I like Leishman and what he and his team on doing, but you can never be too cautious.