I think both are good options. To bring some other point would be the fact that for example in my country as long as you don't get crypto in your wallet (thus being tradeable) that's not a taxable event. HBD interest is thrown directly in Savings, thus it is not a taxable event. This makes it easier for me to hold HBD in Savings, even if I agree SURGE has better upside in the future.
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It's not about which is better between the two, it's about understanding what each of them offers. Knowing the difference could help make better decisions in diversifying portfolio.