Banks like Opay and em kind no de charge person anyhow, instead, na you as a customer go de receive interest for those transactions you de do using their platform. If not for the government way been put one kin regulation for their body, way make them come de put charges for transactions, nothing of charges been de follow their own services.

When e come to this crypto side, e de safer if we put our money or crypto assets for wallet, so long as we know say we never wan use am, leaving our assets for exchange no too de safe, because them wan de like native banks, though in a higher level of usage. These exchanges (CEX) de prone to attacks, if not for the cases say exchanges like Bybit, Binance etc. done get the finance and reputation, dem for done fold and take off due to the attacks way done hit them.

So, I go say, e de better to keep our money for wallets, and move them to exchange when we want convert am to our fiat currency. Using open source wallet, na be the safest wallet to use.