Lumens = XLM
You keep your savings in harder-to-use, more secure accounts, and you keep your spending cash in a less secure, easier-to-access location. Use a similar approach to stay secure on Stellar.
Hot
vs Cold 
Hot = LOBSTR, Scopuly
Cold = Ledger Nano
- Since an offline computer has no connection, it is extremely hard for someone without physical access to it to access the account’s keys. However, this also makes every transaction an extremely manual process.Spread your token position across two tiers:
. Cold Wallet - a "paper" or hardware wallet for cold storage (i.e. a savings account)
. Hot Wallet - a less secure but more accessible wallet for crypto on hand (i.e. a checking account)
eople often use Hot Wallets because they are more convenient and easier to access compared to cold wallets. With a hot wallet, users can quickly manage their crypto assets for daily transactions or trading, making it a preferred option for frequent use. 
With the right security measures in place, they can be absolutely safe for regular users who prioritize ease of access.We recommend a 
as the initial option for both beginners and advanced users.
t.me/WASGuide/87 t.me/WASGuide/89
Stellar Guide:@WASGuide
