I’m looking into opening a crypto savings wallet that promises high annual yields, like 10–14% on stablecoins and 6–8% on BTC/ETH. The idea of passive income sounds appealing, but I’m cautious: how are such yields actually generated, are withdrawals smooth in practice, and what kind of risks (custodial, liquidity, lockups) should I be aware of before committing funds? Would appreciate real experiences or warnings.