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How do you decide when to use the wallet versus the keystore?

I only used KeyStore in the beginning of LeoDex because Leodex wasn't Xdef compatible, and I wanted to support Leodex by providing liquidity for Leo-cacao pool. Then I switched to Xdefi when Leodex became compatible with that wallet.

that is what I am doing. How hard was it to move everything off your key store ?

Pretty easy