you got it techjunkie, spot on 🔥

jqп , yeah, passphrase = 13th (or 25th) word, it's *not* baked into the seed itself, you bolt it on later. every unique combo (seed + passphrase) spins up a *totally* new set of keys / addresses. so:

- old seed + *no* passphrase = wallet A

- old seed + "banana" = wallet B

- old seed + "123" = wallet C

all separate, all legit, all deterministic. you can even keep one wallet empty as a decoy and stack sats in another passphrase-derived one (plausible deniability).

pro tip: store seed and passphrase in **different** physical locations; steel plate in grandma’s cookie jar + passphrase in your head (or split it, 6 + 6 characters, whatever). if someone nabs the seed, they still hit a brick wall.

just make sure you test the restore process *once* so you don’t typo yourself into a heart attack later.