Unocoin co-founder Dr. Sathvik Vishwanath advises keeping crypto investments under 20% of total wealth to ensure prudence. He emphasizes the importance of owning private keys, avoiding large sums on exchanges for extended periods, and diversifying assets across different classes, coins, tokens, custody options, and even countries. Vishwanath also highlighted lessons from the WazirX incident, urging both exchanges and users to prioritize security and transparency.