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The cloud point of palm oil is reported in the 16-17 C range. At this temperature the oil begins to form solid waxy particles and if only slightly cooler the oil will not pour. I noted palm cooking oil distributed as food ration being too solid to dispense at daytime temperatures even in the lowlands of Nepal in February. So basically if palm oil gets below the 15-17 C range consider it to be a solid.
Now the rest of your question is unclear. Are you trying to store palm oil in insulated tanks to prevent it gelling? Or are you trying to use the gelling as a way to stabilize temperatures of a tank by using the palm oil as a phase change agent?
I hope this provides some help, but please clarify your question to allow folks here to help you.