@jakeclaverqfop: Cold wallets do not currently offer loans against XRP. For loans against XRP, Arch Lending through DWP is the recommended option. Assets are held at Anchorage during the loan period, insured and institutionally secured. DWP has an exclusive XRP lending relationship with Arch Lending through both the Mastermind and Digital Wealth Partners. For cold storage without loans, Decent is the recommended wallet. Biometric access, clean UI, broad asset support, and a backup code for spousal access. Tangem, Trezor, and Enclave are solid alternatives. Join the Mastermind or reach out at digitalwealthpartners.net to access the Arch Lending relationship.