Remember that investing in crypto is like investing in startups.

The US and many other countries regulate who can invest in startup companies. The reason is that the risk is huge, and there is a decent chance that the investment will fail.

Since cryptos are not securities (who knows that they will be tomorrow) and you are getting an equity stake, the accredited investor rules do not apply.

The first thing that you need to do is find a crypto that is not a scam. There is a reason ALT coins are often referred to as sh!tcoins. Even if you have found a bonafide project with a great team and use case, odds are that it will still fail in the long run. If you are investing in tokens outside of the top 2, you need to remember that even if you are up 10X, there is a decent chance that the project will still fail. You should be taking profits when you are in the green.