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Reword content articles to use "tokens"
This replaces the old wording of "issued currencies" and introduces broader usage of the term "stablecoins" to more closely match the terminology in use by the wider industry. I've also added a draft "Common Misunderstandings about Freezes" page so that the Freeze page doesn't have to protest quite so much, and written a very brief word on tokens' use for community credit. This commit only covers the Concepts section, in English, and likely leaves some links to the old URLs for the renamed pages.
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In the XRP Ledger, financial institutions typically use multiple XRP Ledger addresses to minimize the risk associated with a compromised secret key. Ripple strongly recommends the following separation of roles:
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In the XRP Ledger, financial institutions typically use multiple XRP Ledger addresses to minimize the risk associated with a compromised secret key. The industry standard is to separate roles as follows:
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* One **issuing address**, also known as a "cold wallet." This address is the hub of the financial institution's accounting relationships in the ledger, but sends as few transactions as possible. <!-- STYLE_OVERRIDE: cold wallet, wallet -->
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* One or more **operational addresses**, also known as "hot wallets." Automated, internet-connected systems use the secret keys to these addresses to conduct day-to-day business like transfers to customers and partners. <!-- STYLE_OVERRIDE: hot wallet, wallet -->
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