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This endpoint supports both API key (X-API-Key header) and Bearer token (Authorization: Bearer <JWT>) authentication.Generates a new HD wallet. This is a stateless operation — the wallet is not stored unless you also call Store Wallet.
Memo type — text, id, or hash. Present only when memo is included.
Never expose privateKey or mnemonic to end users or include them in client-side code. Store them encrypted. If either is compromised, all funds in the wallet are at risk.