Also, another thing is that your coins in these CEX (Centralise exchanges) are not yours, since you don't own the seed phrase/key, NOT YOUR KEY = NOT YOUR COIN. While you can have your coins here, just has how bank may question where you received your funds and ceased till everything can be clarified, CEX is no difference, know this and avoid another danger.
Not his keys not his coins means the coins are not his own
on the blockchain, which makes him not to have full control over his own coins, the exchange has the full control. They can decide not to give the person the coins and disable withdraw for certain reasons, unlike while using a noncustodial wallet which give the full control.
I neva experience am wit Kuda sha. Maybe na as I neva too dey use dat wan. I go try their features too.
Kuda does not have it, but you can lock (save) your naira and earn interest daily on it.