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Looking for recommendations on how to hold XMR value
It's the value of the USD that is fluctuating not the value of XMR :)
My advice is if you get some XMR that you actually put it in your own wallet, with your own secret key phrase that you generated using an app like cake wallet. Don't fall for a naked short seller promising that they have crypto for you by showing you a number on a screen. If its not your keys you're falling for a scam.