The answer to this question depends on your situation. If you have little money that you do not want to keep for a long time, the wallet is enough for you. But if you want to keep a lot of money for a while, the vault is definitely the safest option.
The only difference is that the wallet is safer than a savings account and the wallet is easier to move money around like a checking account.
Both can be used together. You can keep money in your wallet with which you can withdraw with fast track, and then you can keep most of the currency you want to invest in for long-term in the vault. As simple as that.
If you want to use the vault, you may want to get your own hardware wallet inside, such as TREZOR or Ledger Nano. This way you can save your currencies safely, without a connection, but you do not have to trust Coinbase to take care of your funds for you. It all depends on what you are looking for. Thanks.
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