Ledger + Wan Wallet… will I loose another 20 XRP?

Hey guys. I have a Ledger X that already has 20 XRP locked in it. I also already use the Wan Wallet with my ledger to stake my WAN. However, since the WAN ledger app is separate from the XRP app, is it safe to assume that if I send XRP to the Wan Wallet address, I'll loose another 20 XRP? I'd like to yield farm with my XRP, but not if I have to loose 20 more XRP to do it.

Alternatively, can you recommend ways to earn a decent APR on XRP other than Wanchain? I see some a couple farms on Pancakeswap, but am unsure how to bridge XRP to BSC… other than to just selling the native coin and buying the tokenized version on BSC with the proceeds.

Thanks!