#xrp Good evening

Yes, I know I'm a newbie and blah blah for those who delight in being professionals in crypto.

For those who are more humble and share their experience, I ask you and thank you:

Why is my money divided into funds and another part in a spot account? Thank you for teaching me, thank you very much.

How does it affect if they are like this and what happens if I merge them? If they are like this, there must be a reason, I imagine?