In the very question of this topic, you claim that it is bad to keep crypto on exchanges, which means that you realize that it would be better for you not to do this. As I understand it, you are "held" by the paid interest that you receive from storing your crypto on exchanges. You are risking your money for these small paid interest, because exchanges are periodically gets hacked, exchanges can go bankrupt or just block your money under some pretext. Most of the comments on your questions contain recommendations NOT to store your crypto on exchanges, therefore, for your own good, it will be better if you refuse meager interest, but save your money by withdrawing them from exchanges.