If by "we" you mean sxos users, you can use myriad options to do so.
Personally, I use sx installer docked with an hdd. Both nsp and xci work, as well as xci mounting. Set up your hdd as root/SXOS with absolutely nothing else on the drive, placing your games in the SXOS folder, in exfat format. Any deviation from that will not work.
Now when docked, go to album/Installer and your usb drive should be recognized, and you'll know because you'll see your games, and install from there.
You don't have to put them in any folder, I have all my XCIs on the root of the hard drive and they work.