Yotsy Ruiz recently bought his first ever crypto hardware wallet — a Nano X from Ledger. He is transferring all his crypto holdings that he can still move to the small physical device which looks like a USB flash drive, and away from large centralized exchanges such as Binance and Coinbase. 

The 40-year old resident of Frederick, Md, who owns a home remodeling business, hastily made the move after crypto broker Voyager Digital, which he trusted with some of his savings, froze all user withdrawals at the start of July and filed…