Three wallet buckets that survive a busy season
Operational, reserve, and yield buckets — a structure sketch that still holds when farm season gets noisy.
Portfolio structure sessions keep returning to the same three buckets because they match how people actually sign transactions: something hot for gas and claims, something cold for size, and a yield lane that can be messy without contaminating the cold stack.
Operational
Gas, bridging dust, and the address you use for frequent claims. Keep it funded enough to avoid frantic top-ups; keep it small enough that a compromised hot key is survivable.
Reserve
Long-horizon holdings and assets you are unwilling to farm. Hardware wallet territory. Structure sessions spend time naming what must never sit next to an infinite approval.
Yield
LP receipts, lending deposits, restaking positions — the noisy desk. This bucket can change often; the point is that noise stays labelled.
Naming conventions matter more than clever diagrams. If you and a co-signer cannot say which bucket a new deposit belongs to in one sentence, the sketch is not done.
Book a Portfolio Structure Session before your next capital move.