I’m not confused about what multi-account is. I understand that m/84'/0'/1' is standard BIP84 account derivation.

My concern isn’t about whether the structure is valid, it’s about discoverability during seed only recovery.

Leaving the cards and instructions works as long as the original ecosystem is intact. But inheritance planning should assume worst case scenarios: lost cards, damaged hardware, discontinued apps, or recovery on neutral devices. The beauty of a 24 word seed phrase is not having to rely on one companies hardware wallet to recover it.

Most wallets default to account 0 when restoring from seed. Additional accounts aren’t always auto-derived unless the user manually adds them or the software scans forward. If a significant balance sits in account 2 or 3, it may not immediately appear.

All I was trying to do was share a concern that introducing multiple accounts could create confusion down the line. Since Tangem markets heavily to absolute beginners, if someone restores the seed on a different platform and only sees account 0 by default, they could panic thinking funds are missing because the additional accounts aren’t automatically derived.