My second loop through their process worked. I still don't know what's up with the on-chain wallet I set up.

I don't think there's anything in it, but now I'm suspicious about ANY wallet, since the pitch is "you only need to remember 12 words", and that's not working here. Or, am I going about it all wrong?

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I am mostly suspicious of anything not on the mainchain. Had no problems recovering that before. Still willing to use newer things and accept a potential loss if things go wrong but I wouldn't trust it.