Nexo is the dream wallet. I'v ebeen using them for a few months and they are the perfect hybrid between a bank and a crypto wallet. They do not describe themselves as an "exchange" but they do give you some pretty high yields on Bitcoin, Ethereum (20 others) as well as growth stocks like Chainlink and 10% on stablecoins. They essentially let you save crypto (HODL) while also borrowing from yourself. They pay 30% of their profits to dividend holders, so the $NEXO token is pretty sweet to hold as well. I've been looking for a bad thing to say about them but haven't found one yet. I wish their team was a little more transparent?