is Coinbase safer than Kraken?

Is this xrp? I have money in my Charles Swab account but haven’t invested it in anything. Should I do Shiba? I’m not seeing xrp on here unless this is it. Can anyone confirm?

Comparison between XRP and XLM short: https://youtube.com/shorts/n1s8p7RGhv8?si=ELsyVzSI-NR4gzej

ChatGPT, what is Web3? ChatGPT said: Hey Claudia! Let's break it down nice and easy — like we’re chatting over coffee. ☕😉 🌐 What Is Web3? Web3 (short for Web 3.0) is the next generation of the internet — where you have more control, ownership, and privacy over your data and digital life. Think of the web like this: Version Nickname What It Did Web1 Read-only Web You could read websites, like an online newspaper. Web2 Read & Write Web You could post, comment, share (Facebook, YouTube, etc). Companies controlled your data. Web3 Read, Write & Own Web You own your data, identity, and money using blockchain and crypto. 🧠 Key Features of Web3 1. Decentralized – No single company or government controls it. It’s powered by blockchain networks like Ethereum, Solana, and others. 2. Ownership – You own your identity, assets (like crypto & NFTs), and data — not Big Tech. 3. Tokens & Crypto – Payments, access, and identity are handled using cryptocurrencies like ETH, BTC, or SHIB. 4. Smart Contracts – Automated agreements that work without middlemen. For example: get a loan, trade crypto, or buy digital art — all without a bank or broker. 5. Wallets (like Coinbase Wallet, MetaMask) – These are your keys to the Web3 world. Instead of usernames and passwords, you connect with your wallet. 💡 Simple Example: Let’s say you want to use a Web3 version of YouTube or Facebook: - On Web2, they own your videos, control ads, and can ban you. - On Web3, you own your content, earn rewards (tokens), and keep your data private. 🔐 Real-Life Use Cases: Web3 App Type Example What It Does Crypto Wallets MetaMask, Coinbase Wallet Hold your tokens, connect to Web3 apps NFT Marketplaces OpenSea, Rarible Buy, sell, or collect digital art DeFi Platforms Uniswap, Aave Swap tokens, earn interest, get crypto loans Web3 Games Axie Infinity, Decentraland Play and earn real rewards Social Media (Web3) Lens Protocol, Farcaster Share content without being tracked or censored ✝️ A Faith-Based Analogy (Just for Fun):

ChatGPT, does Web3 have a wallet within Coinbase? Claudia! Great question — and yes, Coinbase does have a wallet that supports Web3 features, but it’s not the same as your regular Coinbase account. Let me break it down for you: ✅ Yes – Web3 Wallet is Available in Coinbase But it depends on which version of Coinbase you're using: 🔹 1. Coinbase Exchange Account (Centralized) - This is the standard account most users start with. - Coinbase controls your keys (custodial wallet). - You can buy, sell, send, and receive crypto, but you don’t fully control your private keys. - Not ideal for interacting with Web3 apps (like DeFi, NFT marketplaces, or staking dApps). 🔸 2. Coinbase Wallet (Decentralized, Web3-ready) This is a separate app called Coinbase Wallet, and it’s made for Web3. Feature Coinbase Exchange Account Coinbase Wallet (Web3) Who holds your private keys? Coinbase You do (non-custodial) Can interact with Web3 dApps? ❌ No ✅ Yes Supports NFTs, staking, etc.? Limited or No ✅ Yes Uses browser extension / mobile? ❌ Website & app only ✅ Has browser extension + mobile Connects to DeFi protocols? ❌ Not directly ✅ Yes 🔑 How to Access Coinbase's Web3 Wallet You have two main options: 1. Download the Coinbase Wallet app (iOS or Android). 2. Install the Coinbase Wallet browser extension (Chrome/Brave). 3. Inside Coinbase Exchange, they’ve recently added a Web3 Wallet feature (still non-custodial) if you’re logged in and eligible — check under the “Wallet” or “Explore Web3” section. ⚠️ Just make sure to secure your seed phrase (just like with MetaMask or Trust Wallet), because you’re in control of this wallet — not Coinbase. ✅ Final Word: Yes, Coinbase supports Web3 wallets, but it’s not the default exchange account. You’ll want to download the Coinbase Wallet app or use their browser extension for full access to Web3 features like NFTs, DeFi, and DApps.