Mr Cooper Group Inc (COOP)

[Donotunderstand]

This seems to be the answer on the net - in several places

Sorry - but I think its right (although why you can not transfer in to a Roth does not make sense - but who said IRA IRS rules had to make sense)

An in-kind transfer simply means moving existing investments such as stocks or bonds from one account to another, rather than transferring cash. You can’t contribute to your Roth IRA by making an in-kind transfer of assets because the IRS only allows cash for IRA contributions. You can transfer in-kind assets from other retirement accounts, such as another Roth account, a traditional IRA or a 401(k) plan.