I'm finding today that not all crypto wallets are the same. Nor do they have an always friendly UI. Furthermore, wallets don't accept all currencies.
We've found out after the fact that the Ledger Nano S, doesn't support ERC20. I had to cobble together a cryptocurrency transfer using Meta Mask and the Ledger Nano S.
It would appear that developers here on STEEM as well as other hardware and software wallet developers have a task before them.