Comprehensive Wallet Guide

Understanding Wallet Creation, Import, and Account Management

MetaMask vs Trust Wallet: The Critical Differences

1. Cryptocurrency Wallet Fundamentals

What Is a Cryptocurrency Wallet?

A cryptocurrency wallet is NOT a physical container for your coins. Instead, it’s a software tool that manages your private keys — the cryptographic credentials that prove you own and control specific blockchain addresses.

💡 Key Concept: You Don’t Store Crypto In Wallets

Your cryptocurrency never leaves the blockchain.

  • The blockchain is the global ledger that records who owns what
  • Your wallet stores the private keys that prove ownership
  • Whoever controls the private keys controls the funds on the blockchain

Types of Wallets

🔥 Hot Wallets

Connected to the internet

  • Mobile apps (Trust Wallet, MetaMask Mobile)
  • Browser extensions (MetaMask)
  • Web wallets
  • Pro: Convenient for daily use
  • Con: More vulnerable to hacks

❄️ Cold Wallets

Never connected to the internet

  • Hardware wallets (Competitor1, Competitor2)
  • Paper wallets
  • Air-gapped software (XColdPro)
  • Pro: Maximum security
  • Con: Less convenient for transactions

2. Seed Phrases: Your Master Key

⚠️ CRITICAL: Understanding Seed Phrases

Your seed phrase = Your wallet = Your funds

This is the MOST IMPORTANT concept in cryptocurrency. Everything else is secondary.

What Is a Seed Phrase?

A seed phrase (also called recovery phrase, mnemonic phrase, or backup phrase) is a list of 12 or 24 words that represents your wallet’s master private key.

Example 12-word seed phrase: witch collapse practice feed shame open despair creek road again ice least Example 24-word seed phrase: army van defense carry jealous true garbage claim echo media make crunch happy flower spot chief gather rough rebel april upgrade flush swallow

Why Seed Phrases Exist

Problem: Private keys are long random strings like:

5KYZdUEo39z3FPrtuX2QbbwGnNP5zTd7yyr2SC1j299sBCnWjss

Solution: Convert to memorable words:

army van defense carry jealous true...

Humans can reliably write down and store 12-24 words, but not 64-character random strings.

The Fundamental Rules of Seed Phrases

  1. The seed phrase IS your wallet
    • Not the file, not the app, not the device
    • With the seed phrase, you can recreate your wallet anywhere, anytime
    • Lose the seed phrase = Lose access to your funds FOREVER
  2. Whoever has the seed phrase owns the funds
    • No password, no 2FA, no “forgot my password” recovery
    • Seed phrase = complete and total control
    • If someone steals it, they own your crypto. Period.
  3. Physical backup is mandatory
    • Write it on paper during wallet creation
    • NEVER store digitally (no photos, no cloud, no password managers)
    • Store in a safe or safety deposit box
    • Consider multiple backups in different locations

3. BIP Standards (BIP39, BIP44, BIP32)

What Are BIPs?

BIP = Bitcoin Improvement Proposal

These are standardized protocols that ensure different wallets can work together. Think of them as the “universal language” of cryptocurrency wallets.

BIP39: Mnemonic Seed Phrases

What it does: Defines how to convert random entropy into memorable words

  • Standard wordlist: 2,048 words in multiple languages
  • 12 words: 128 bits of entropy (4,096 combinations per word)
  • 24 words: 256 bits of entropy (maximum security)
  • Checksum: Last word includes error detection

Why it matters: Any BIP39-compliant wallet can import any BIP39 seed phrase

BIP32: Hierarchical Deterministic (HD) Wallets

What it does: Enables generating multiple addresses from a single seed phrase

HD Wallet Tree Structure:

Master Seed (your 12/24 words) │ ├── Bitcoin addresses (m/44'/0'/0'/0/0, 0/1, 0/2...) ├── Ethereum addresses (m/44'/60'/0'/0/0, 0/1, 0/2...) ├── Litecoin addresses (m/44'/2'/0'/0/0, 0/1, 0/2...) └── [any other blockchain]

Benefits:

  • One seed phrase → unlimited addresses across all blockchains
  • Privacy: Use different addresses for each transaction
  • Organization: Separate addresses for different purposes
  • Backup: Write down seed phrase once, covers all future addresses

BIP44: Multi-Account Hierarchy

What it does: Defines the standard path structure for deriving addresses

m / purpose' / coin_type' / account' / change / address_index Example Ethereum address derivation: m/44'/60'/0'/0/0 Where: m = master seed 44' = BIP44 standard 60' = Ethereum coin type 0' = Account #0 0 = External chain (receiving addresses) 0 = First address Different accounts: m/44'/60'/0'/0/0 ← Account 1, Address 1 m/44'/60'/1'/0/0 ← Account 2, Address 1 m/44'/60'/2'/0/0 ← Account 3, Address 1

This is WHERE MetaMask and Trust Wallet differ fundamentally!

4. Creating a New Wallet

Step-by-Step Wallet Creation Process

Step 1: Choose Your Wallet Software

  • MetaMask: Best for Ethereum/EVM chains, DeFi, NFTs
  • Trust Wallet: Best for mobile, multi-chain, simple interface
  • Hardware wallets: Best for large holdings, long-term storage
  • XColdPro: Best for maximum security, air-gapped transactions

Step 2: Generate Your Seed Phrase

  1. Click “Create New Wallet” in your chosen software
  2. The wallet generates random entropy using cryptographic randomness
  3. Entropy is converted to 12 or 24 BIP39 words
  4. These words are displayed ONCE — write them down immediately

⚠️ CRITICAL MOMENT: This is your ONLY chance to safely record your seed phrase!

  • Write on paper with permanent ink
  • Double-check every word and its order
  • NEVER take a screenshot or photo
  • NEVER type it into any computer

Step 3: Verify Your Backup

Most wallets will ask you to confirm your seed phrase by selecting words in the correct order. This ensures:

  • You wrote down all words correctly
  • You understand the importance of word order
  • Your backup is readable and accurate

Step 4: Secure Physical Storage

  • Minimum: Paper in a fireproof safe at home
  • Better: Metal backup (fireproof, waterproof)
  • Best: Multiple copies in different secure locations
  • Consider: Safety deposit box, trusted family member, different geographic locations

5. Importing an Existing Wallet

When to Import a Wallet

  • Switching devices (phone to desktop, Android to iPhone)
  • Trying different wallet software
  • Recovering after device loss or failure
  • Setting up multiple devices with same wallet
  • Accessing wallet on different platforms

Import Methods

📝 Seed Phrase Import

Most common method

  • Enter your 12 or 24-word seed phrase
  • Wallet recreates all private keys
  • Access to all addresses/accounts
  • Works across different wallet software

⚠️ Security: Only enter seed phrase on trusted, malware-free devices

🔑 Private Key Import

For single addresses only

  • Import one specific private key
  • Access only that one address
  • Does NOT give access to other addresses
  • Useful for old paper wallets

Note: Private key ≠ Seed phrase. A private key controls one address; a seed phrase controls unlimited addresses.

📁 Keystore File Import

Encrypted file method

  • Import encrypted JSON file
  • Requires password to decrypt
  • Common in MEW, MyCrypto
  • More secure for transfers

Note: Keystore file + password = access. Lose either one and funds are inaccessible.

Step-by-Step Import Process

1. Open wallet software (MetaMask, Trust Wallet, etc.) 2. Select "Import Wallet" or "Import Using Seed Phrase" 3. Enter seed phrase in correct order (word #1 first, word #12/24 last) 4. Set a new password/PIN for this device 5. Wait for wallet to derive all addresses 6. Verify your balances appear correctly

🚨 Common Import Mistakes

  • Wrong word order: Seed phrases must be entered in exact order
  • Typos: “witch” vs “which” — completely different wallets
  • Wrong BIP39 wordlist: Some wallets use non-standard words
  • Missing passphrase: If you used BIP39 passphrase (25th word), you must enter it
  • Wrong derivation path: Different wallets use different paths (see MetaMask vs Trust Wallet)

6. MetaMask: Hierarchical Account Management

MetaMask BIP44 Compliant

How MetaMask Handles Accounts

✅ MetaMask’s Approach: Multiple Accounts Under One Seed

MetaMask uses BIP44 standard to create multiple accounts from a single seed phrase

One Seed → Multiple Accounts

Your 12-word seed phrase │ ├── Account 1: m/44'/60'/0'/0/0 (0x1234...abcd) ├── Account 2: m/44'/60'/1'/0/0 (0x5678...efgh) ├── Account 3: m/44'/60'/2'/0/0 (0x9012...ijkl) ├── Account 4: m/44'/60'/3'/0/0 (0x3456...mnop) └── ...unlimited accounts possible

Creating Additional Accounts in MetaMask

  1. Click account icon (top-right circle)
  2. Select “Create Account”
  3. Name your account (optional: “Trading”, “NFTs”, “DeFi”, etc.)
  4. Click “Create”

What happens behind the scenes:

  • MetaMask increments the account index in the derivation path
  • New private key is derived from your master seed
  • New Ethereum address is generated
  • Everything is still backed up by your original 12-word seed phrase

MetaMask Derivation Paths

Account Derivation Path Example Address
Account 1 m/44'/60'/0'/0/0 0x1234...abcd
Account 2 m/44'/60'/1'/0/0 0x5678...efgh
Account 3 m/44'/60'/2'/0/0 0x9012...ijkl
Account N m/44'/60'/(N-1)'/0/0 0x####...####

Key takeaway: The third number in the path (account index) increments for each new account.

Benefits of MetaMask’s Multi-Account System

🎯 Organization

  • Separate trading from long-term holdings
  • Different accounts for different DeFi protocols
  • Isolate risky transactions
  • Professional vs personal funds

🔒 Security

  • If one account is compromised, others stay safe
  • Compartmentalize risk exposure
  • Easier to track suspicious activity
  • Limit damage from smart contract exploits

🔄 Recovery

  • One seed phrase backs up ALL accounts
  • Import seed → all accounts restored
  • No need for multiple backups
  • Simple disaster recovery

🎭 Privacy

  • Use different accounts for different purposes
  • Harder to link all activity to one entity
  • Separate public-facing from private accounts
  • Better OPSEC (operational security)

Importing MetaMask Into Another Wallet

⚠️ CRITICAL DIFFERENCE ALERT:

When you import a MetaMask seed phrase into a different wallet that ALSO supports BIP44 (like another MetaMask, Competitor1, Competitor2), ALL your accounts will be restored!

MetaMask Seed → Import into XColdPro: ✅ Account 1 appears automatically ✅ Account 2 appears automatically ✅ Account 3 appears automatically ✅ All accounts backed by same seed

7. Trust Wallet: Single Account Per Seed

Trust Wallet BIP44 Simplified

How Trust Wallet Handles Accounts

⚠️ Trust Wallet’s Approach: One Seed = One Account

Trust Wallet does NOT support multiple accounts under one seed phrase

One Seed → One Account Only

Seed Phrase #1 │ └── Account 1: m/44'/60'/0'/0/0 (0x1234...abcd) └── Only this one account exists If you want a second account: Seed Phrase #2 │ └── Account 1: m/44'/60'/0'/0/0 (0x5678...efgh) └── Completely separate seed, separate backup needed

Creating Multiple Accounts in Trust Wallet

🚫 Trust Wallet does NOT let you create multiple accounts from one seed!

If you want multiple accounts in Trust Wallet, you must:

  1. Create completely new wallet (generates new seed phrase)
  2. Back up the NEW seed phrase (now you have 2+ seed phrases to manage)
  3. Switch between wallets by importing different seed phrases

Trust Wallet Derivation Path

Wallet Derivation Path Multiple Accounts?
Trust Wallet #1 m/44'/60'/0'/0/0 ❌ No — always uses account index 0
Trust Wallet #2 m/44'/60'/0'/0/0 ❌ No — requires different seed phrase
Trust Wallet #3 m/44'/60'/0'/0/0 ❌ No — requires different seed phrase

Key takeaway: Trust Wallet ALWAYS uses account index 0. It never increments to 1, 2, 3, etc.

Why Trust Wallet Works This Way

Design Philosophy: Simplicity

Trust Wallet prioritizes ease of use over advanced features:

  • Target audience: Mobile users, beginners, casual holders
  • Goal: One seed phrase = one wallet = simple mental model
  • Trade-off: Less flexibility but easier to understand
  • Assumption: Most users don’t need multiple accounts

Importing Trust Wallet Into Another Wallet

✅ Good news: Trust Wallet uses standard BIP44 derivation paths

Trust Wallet Seed → Import into MetaMask: ✅ First account (m/44'/60'/0'/0/0) appears as "Account 1" ✅ Your funds are accessible ✅ You can now create Account 2, 3, 4... in MetaMask ✅ But those NEW accounts won't exist in Trust Wallet

⚠️ Compatibility Note:

Trust Wallet seed phrase WILL work in MetaMask, Competitor1, Competitor2, XColdPro, etc. But if you create additional accounts in MetaMask, they won’t appear in Trust Wallet because Trust Wallet doesn’t scan beyond account index 0.

8. MetaMask vs Trust Wallet: Key Differences

Feature MetaMask Trust Wallet
Accounts Per Seed ✅ Unlimited (BIP44 compliant) ❌ Only 1 account per seed
Derivation Path m/44'/60'/N'/0/0
(N increments)		 m/44'/60'/0'/0/0
(Always 0)
Creating New Account Click “Create Account”
(Same seed backs all)		 Must create new wallet
(New seed needed)
Seed Phrase Management 1 seed for many accounts 1 seed per account
Backup Complexity Simple: 1 seed backs everything Complex: Must backup each seed separately
Privacy ✅ Good: Multiple accounts, one backup ⚠️ Moderate: Multiple seeds to manage
Recovery ✅ Import seed → all accounts restored ⚠️ Must import each seed separately
Platform Browser extension (desktop)
Mobile app		 Mobile-first
(iOS, Android)
Best For DeFi, trading, power users
Multiple accounts needed		 HODLing, simplicity
Single account sufficient
Target Audience Intermediate to advanced users Beginners to intermediate

Real-World Scenarios

📱 Scenario 1: Switching Wallets

You use MetaMask and want to switch to Trust Wallet

  1. Import MetaMask seed into Trust Wallet
  2. ✅ Your Account 1 appears with all funds
  3. ❌ Accounts 2, 3, 4… don’t appear (Trust Wallet doesn’t check those paths)
  4. Solution: Move funds from Accounts 2+ to Account 1 before switching, OR keep using MetaMask for multiple accounts

📱 Scenario 2: Using Both Wallets

You want to use Trust Wallet on mobile, MetaMask on desktop

  1. Create wallet in MetaMask (desktop)
  2. Back up your 12-word seed phrase
  3. Import seed into Trust Wallet (mobile)
  4. ✅ Account 1 syncs perfectly between both
  5. ⚠️ If you create Account 2 in MetaMask, it won’t appear in Trust Wallet
  6. Solution: Only use Account 1 if you need both wallets synced

🔄 Scenario 3: Multi-Account User

You need separate accounts for trading, DeFi, NFTs, long-term holding

MetaMask approach:

  • ✅ Create 4 accounts (Trading, DeFi, NFTs, HODL)
  • ✅ All backed by 1 seed phrase
  • ✅ Easy to manage and recover

Trust Wallet approach:

  • ❌ Must create 4 separate wallets
  • ❌ Must back up 4 different seed phrases
  • ❌ Must manually switch between wallets
  • Verdict: MetaMask is clearly better for this use case

💎 Scenario 4: Simple HODLer

You just want to buy crypto and hold it securely

Trust Wallet approach:

  • ✅ One wallet, one seed phrase
  • ✅ Simple mobile interface
  • ✅ Built-in support for 160+ blockchains
  • ✅ Less overwhelming than MetaMask

MetaMask approach:

  • ⚠️ More features than needed
  • ⚠️ Desktop-focused (less convenient)
  • ✅ But still works fine for simple holding

Verdict: Either works, but Trust Wallet is simpler

Visual Comparison: Account Management

MetaMask: Hierarchical (Vertical) Architecture

🦊 MetaMask Seed Phrase │ ├── 📂 Account 1 (Trading) │ └── m/44'/60'/0'/0/0 → 0x1234...abcd │ ├── 📂 Account 2 (DeFi) │ └── m/44'/60'/1'/0/0 → 0x5678...efgh │ ├── 📂 Account 3 (NFTs) │ └── m/44'/60'/2'/0/0 → 0x9012...ijkl │ └── 📂 Account 4+ (Unlimited...) └── m/44'/60'/N'/0/0 → 0x####...#### ✅ ONE SEED BACKS EVERYTHING

Trust Wallet: Flat (Single) Architecture

💎 Trust Wallet Seed #1 │ └── 📂 Wallet 1 └── m/44'/60'/0'/0/0 → 0x1234...abcd 💎 Trust Wallet Seed #2 │ └── 📂 Wallet 2 └── m/44'/60'/0'/0/0 → 0x5678...efgh 💎 Trust Wallet Seed #3 │ └── 📂 Wallet 3 └── m/44'/60'/0'/0/0 → 0x9012...ijkl ⚠️ EACH WALLET NEEDS SEPARATE SEED PHRASE BACKUP

9. Security Best Practices

🚨 The Golden Rules (Never Break These)

  1. NEVER share your seed phrase with anyone
    • Not support staff (they’ll never ask)
    • Not family members (unless inheritance planning)
    • Not “wallet validators” (100% scam)
    • Not any website or app (even if it looks legitimate)
  2. NEVER store seed phrase digitally
    • No photos on phone (syncs to cloud)
    • No screenshots (malware can access)
    • No password managers (cloud sync = attack vector)
    • No email drafts, notes apps, or documents
    • No encrypted files on internet-connected devices
  3. NEVER enter seed phrase on any website
    • Legitimate sites NEVER ask for seed phrases
    • Phishing sites mimic real wallets to steal seeds
    • Only enter seed phrase in official wallet SOFTWARE (not web)
  4. ALWAYS verify you’re backing up offline during creation
    • Write on paper during initial wallet creation
    • Don’t rely on “viewing seed later” (malware risk)
    • Make backup BEFORE receiving any funds

Advanced Security Measures

🔐 Hardware Wallet Integration

  • Use Competitor1, Competitor2
  • Private keys never leave hardware device
  • Requires physical button press to sign
  • Best balance of security and convenience

🎭 BIP39 Passphrase (25th Word)

  • Add extra word to your seed phrase
  • Creates completely separate wallet
  • Plausible deniability (decoy wallet)
  • Must remember passphrase forever

✂️ Shamir Secret Sharing

  • Split seed into multiple shares
  • Need M-of-N shares to recover
  • Example: 3-of-5 (need any 3 of 5 shares)
  • Eliminates single point of failure

❄️ Cold Storage Best Practices

  • Air-gapped device for large holdings
  • Generate seed on offline computer
  • Sign transactions offline, broadcast online
  • XColdPro, Glacier Protocol, Electrum offline

Backup Strategies

Strategy Security Complexity Best For
Paper in Safe 🟢 Good 🟢 Simple Small to medium holdings
Metal Backup 🟢 Good 🟡 Moderate Fire/water resistance needed
Multiple Locations 🟢🟢 Better 🟡 Moderate Protection against single disaster
Shamir Secret Sharing 🟢🟢🟢 Best 🔴 Complex Large holdings, institutions
Safety Deposit Box 🟢🟢 Better 🟡 Moderate Extra physical security
Encrypted Metal + Passphrase 🟢🟢🟢 Best 🔴 Complex Plausible deniability needed

Common Attack Vectors & How to Avoid Them

🎣 Phishing Attacks

  • Attack: Fake MetaMask/Trust Wallet website asks for seed phrase
  • Defense: Bookmark official sites, never Google “MetaMask login”
  • Red flag: Any site asking for seed phrase = 100% scam

🦠 Malware/Keyloggers

  • Attack: Malware records seed phrase when you type it
  • Defense: Only enter seed on clean, offline devices
  • Best: Generate wallet on air-gapped computer

🔧 Wrench Attack (Physical Coercion)

  • Attack: Someone forces you to reveal seed phrase
  • Defense: Use BIP39 passphrase for decoy wallet
  • Advanced: XColdPro Omega Protocol (instant evacuation/wipe)

☁️ Cloud Backup Leaks

  • Attack: Phone screenshots sync to iCloud/Google, accounts hacked
  • Defense: NEVER take digital photos of seed phrase
  • Reality: Cloud providers get hacked regularly

10. Common Issues & Solutions

Problem: Imported Seed, But Balance is Zero

⚠️ Most Common Causes:

  1. Wrong derivation path
    • You created the wallet in MetaMask but imported into Trust Wallet
    • Trust Wallet only checks Account 1 (m/44’/60’/0’/0/0)
    • Your funds are in Account 2+ which Trust Wallet doesn’t see
    • Solution: Import into MetaMask or another BIP44-compliant wallet that checks multiple accounts
  2. Missing BIP39 passphrase
    • If you set a BIP39 passphrase (25th word), you must enter it during import
    • Without passphrase, you get a different (empty) wallet
    • Solution: Look for “Advanced Options” or “Passphrase” during import
  3. Wrong blockchain network
    • Viewing Ethereum Mainnet but funds are on Polygon or BSC
    • Solution: Switch networks in wallet settings
  4. Typo in seed phrase
    • “witch” vs “which” — completely different wallets
    • Solution: Double-check every word, try again

Problem: Can’t See Account 2, 3, 4… After Import

You imported MetaMask seed into Trust Wallet, only Account 1 appears

Why: Trust Wallet doesn’t support multiple accounts per seed

Solutions:

  1. Option 1: Import seed into MetaMask (all accounts will appear)
  2. Option 2: Move funds from Account 2+ to Account 1, then use Trust Wallet
  3. Option 3: Use MetaMask for accounts 2+, Trust Wallet for account 1
  4. Option 4: Use hardware wallet (XColdPro) which supports multiple accounts

Problem: Seed Phrase Not Working at All

🔍 Troubleshooting Checklist:

  1. Verify word list
    • All words must be from official BIP39 wordlist
    • Check: https://github.com/bitcoin/bips/blob/master/bip-0039/english.txt
    • Invalid words = wallet won’t accept the seed
  2. Check word order
    • Word #1 must be first, word #12/24 must be last
    • Wrong order = different wallet
  3. Verify word count
    • Must be exactly 12, 15, 18, 21, or 24 words
    • Most common: 12 or 24 words
  4. Look for typos
    • Common mistakes: witch/which, public/publish, cat/car
    • BIP39 words are designed to be distinct, but typos happen
  5. Check if passphrase was used
    • BIP39 passphrase (25th word) creates different wallet
    • Try with and without passphrase
  6. Non-standard derivation
    • Some old wallets used custom paths
    • Try importing into original wallet software first

Problem: Need to Switch From Trust Wallet to MetaMask

✅ Migration Guide

  1. Export seed phrase from Trust Wallet
    • Settings → Wallets → [Your Wallet] → Show Recovery Phrase
    • Enter password to verify
    • Write down seed phrase (DO NOT screenshot)
  2. Import into MetaMask
    • Click MetaMask extension → Get Started → Import Existing Wallet
    • Enter seed phrase
    • Create new password (for this device)
    • ✅ Your Trust Wallet Account 1 appears as MetaMask Account 1
  3. Verify balance matches
    • Check that addresses match: Trust Wallet 0x1234… = MetaMask 0x1234…
    • Verify all tokens and NFTs appear
    • Test with small transaction if needed
  4. Now you can create additional accounts
    • Click MetaMask account icon → Create Account
    • These new accounts won’t appear in Trust Wallet
    • But they’re all backed by your original seed phrase

Problem: Lost Access to One Account, But Have Seed Phrase

Good news: If you have the seed phrase, you can always recover!

  1. Import seed into fresh wallet installation
  2. For MetaMask: All accounts (1, 2, 3…) will automatically appear
  3. For Trust Wallet: Only Account 1 will appear (by design)
  4. For hardware wallets: Use account discovery to find all accounts

🎯 Key Takeaways

Understanding Seed Phrases

  • Seed phrase = Your wallet = Your funds (most critical concept)
  • One seed phrase can generate unlimited addresses via HD wallets
  • Physical backup is mandatory — NEVER store digitally

MetaMask vs Trust Wallet

  • MetaMask: Multiple accounts under one seed (vertical/hierarchical)
  • Trust Wallet: One account per seed (flat/single)
  • Both use BIP44, but Trust Wallet only uses account index 0
  • MetaMask seeds work in Trust Wallet (but not all accounts visible)

Best Practices

  • Choose MetaMask if you need multiple accounts for organization
  • Choose Trust Wallet if you prefer simplicity and mobile-first
  • Use hardware wallet for large holdings regardless of software choice
  • Never share seed phrase, never store digitally, always verify backups

Remember: Not your keys, not your coins.
Master the fundamentals of wallet management to achieve true crypto sovereignty. 🔐

📚 Comprehensive Wallet Guide — Created for Educational Purposes

Always verify information with official wallet documentation