Also, what do you think would be an acceptable (I know I’m sure it’s based on risk profile) percentage of BTC to hold with River as opposed to your own cold storage. Is there a standard rule of thumb or is it strictly if you trust yourself more or River more?

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Don’t leave anything on an exchange. Just move to your own wallet at a minimum.

Why would you want to leave BTC on River? Are you planning on selling it relatively soon?