Gold and crypto both count as assets for OSAP, property and vehicles do not. Now, will they check either? Unlikely, but they're also unlikely to check a bank balance unless you give them a reason to. If they audit you and see 25k withdrawn a week before you applied that'll probably get questioned.

Your best bet is to do whatever, buy gold keep cash etc, and very conservatively estimate your finances. Its really not a big difference in your funding. 30k in assets will maybe lower your grant by 2000$. Play around with the osap calc.

Also, most good research-based masters programs will offer a full or near-full funding package not even including scholarships. If your school doesn't, you should look at similar programs elsewhere. If its course-based then that's not a thing.