I don't know why you all choose to hold risky and unstable currencies, but Coinbase is now offering a non-destructive alternative mining program that can steadily earn 5% per day as long as you have USDT in your wallet and participate in DeFi's mining program. For example, I have 130KUSDT in my wallet right now, and I'm generating 6,000-7,000 usdt of mineral revenue per day from the mine pool. There was no collateral and Coinbase was the first exchange in the world to go public, so I felt my money would be safe. So I choose it. What about you?
It is up to your tolerance to risks. If you can take big risks and you are easygoing about losses, you can invest in risky coins, but if you are a conservative investor, you should choose something less risky, such as stable coin staking. But actually, as you have such a huge deposit you are earning big money on it, but those, who don't have such a big capital, need to take bigger risks so as to enlarge their deposit.