I'd be wary about 4. I've worked at a fintech startup before where the founders boasted about how they had moved all their net worth onto the platform. Some tim

I'd be wary about 4. I've worked at a fintech startup before where the founders boasted about how they had moved all their net worth onto the platform. Some time later over a casual chat and drinks, it turned out this was far from the truth. Don't just take people's word for it, I may be biased about startups now, but "trust but verify" is a good motto to go by.