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I am trying to figure out a way to use

the wallet that I am comfortable with. If I wanted to restore with my seed phrase, do I have to have a Json file ? I have never had to use one before?

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If you have password and seedphrase of pwallet with you, you can generate Json again. But if you lose password or seedphrase, it will be hard to operate pwallet. In such case you are required to import it to keplr wallet.

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