Seed XOR (optional)
Using the Seed XOR function in your Coldcard allows you to separate your original seed phrase into two parts, each looking like it’s own 24-word seed phrase. Combining them will produce your original 24-word seed phrase.
You will need both parts generated with Seed XOR in order to recover your original seed phrase.
You will also need your passphrase to access the wallet containing your funds.
Each Seed XOR component can also function as a Bitcoin seed phrase. You can keep some funds on it to satisfy a potential attacker or to alert you that your storage is compromised if someone finds it and takes the funds held on it.