Most of my commercial transactions are still in fiat. I do use crypto when I can, and yes it's done straight from a local wallet. I use an android app called Ca

Most of my commercial transactions are still in fiat. I do use crypto when I can, and yes it's done straight from a local wallet. I use an android app called Cake Wallet and the private key stays locally on the device. I keep as much on my phone as I would paper cash in a leather wallet, under $100. The rest is on a hardware wallet. I use an exchange occasionally, but I don't keep money parked there long-term like a bank. Deposit fiat, trade for crypto, withdraw crypto. I'm never exposed for more than an hour.