diff --git a/bots/src/API/Docs/Commands.hs b/bots/src/API/Docs/Commands.hs
index 3673ca7c86..0be6b110a7 100644
--- a/bots/src/API/Docs/Commands.hs
+++ b/bots/src/API/Docs/Commands.hs
@@ -451,7 +451,6 @@ undocumentedCommands =
     "APIVerifyGroupMember",
     "APIVerifyToken",
     "APIWallet",
-    "APIWalletBind",
     "APIWalletCreate",
     "APIWalletDelete",
     "APIWalletExportDerivedSecret",
diff --git a/src/Simplex/Chat/Controller.hs b/src/Simplex/Chat/Controller.hs
index 179d7be93e..ae3ca95029 100644
--- a/src/Simplex/Chat/Controller.hs
+++ b/src/Simplex/Chat/Controller.hs
@@ -68,7 +68,7 @@ import Simplex.Chat.Types
 import Simplex.Chat.Types.Preferences
 import Simplex.Chat.Types.Shared
 import Simplex.Chat.Types.UITheme
-import Simplex.Chat.Wallet (AccountIndex, NameIndex)
+import Simplex.Chat.Wallet (NameIndex)
 import Simplex.Chat.Util (liftIOEither)
 import Simplex.FileTransfer.Description (FileDescriptionURI)
 import Simplex.Messaging.Server.Information (ServerPublicInfo)
@@ -418,11 +418,10 @@ data ChatCommand
   | APISendServiceRequest {userId :: UserId, sendTarget :: ConnectTarget 'CMContact, requestTimeout :: Maybe NominalDiffTime, signKey :: Maybe (C.StoredPrivateKey 'C.Ed25519), request :: J.Object}
   | APISendServiceResponse {userId :: UserId, requestId :: AgentInvId, responseData :: J.Object}
   | APIWallet
-  | APIWalletBind {boundAccountIndex :: Maybe AccountIndex}
   | APIWalletCreate
   | APIWalletImport {recoveryPhrase :: Text}
   | APIWalletExportSeedMnemonic
-  | APIWalletExportDerivedSecret {accountIndex :: AccountIndex, nameIndex :: NameIndex}
+  | APIWalletExportDerivedSecret {nameIndex :: NameIndex}
   | APIWalletDelete
   | APISendCallInvitation ContactId CallType
   | SendCallInvitation ContactName CallType
@@ -750,7 +749,6 @@ allowRemoteCommand = \case
   ExecChatStoreSQL _ -> False
   ExecAgentStoreSQL _ -> False
   APIWallet -> False
-  APIWalletBind {} -> False
   APIWalletCreate -> False
   APIWalletImport _ -> False
   APIWalletExportSeedMnemonic -> False
@@ -857,7 +855,7 @@ data ChatResponse
   | CRContactRequestRejected {user :: User, contactRequest :: UserContactRequest, contact_ :: Maybe Contact}
   | CRServiceResponse {user :: User, responseData :: J.Object}
   | CRServiceReplyAccepted {user :: User, connectionId :: AgentConnId}
-  | CRWallet {user :: User, walletKeyExists :: Bool, walletKeyPaths :: [(Text, Text)], walletProfiles :: [Text]}
+  | CRWallet {user :: User, walletKeyExists :: Bool, walletKeyPaths :: [(Text, Text)]}
   | CRWalletSeedMnemonic {user :: User, recoveryPhrase :: Text}
   | CRWalletDerivedSecret {user :: User, keyPath :: Text, address :: Text, derivedSecret :: Text}
   | CRUserAcceptedGroupSent {user :: User, groupInfo :: GroupInfo, hostContact :: Maybe Contact}
diff --git a/src/Simplex/Chat/Library/Commands.hs b/src/Simplex/Chat/Library/Commands.hs
index 2941802e47..9bb67cc955 100644
--- a/src/Simplex/Chat/Library/Commands.hs
+++ b/src/Simplex/Chat/Library/Commands.hs
@@ -58,8 +58,8 @@ import qualified Data.UUID.V4 as V4
 import Simplex.Chat.Library.Subscriber
 import Simplex.Chat.Badges (BadgeCredential (..), LocalBadge (..), badgeServerCredential, maxXFTPFileSize, mkBadgeStatus, verifyCredential)
 import Simplex.Chat.Names (SimplexDomainProof (..), SimplexDomainClaim (..), claimDomain, mkDomainClaim)
-import Simplex.Chat.Store.Wallets (bindAccountIndex, createSeed, deleteSeed, getAccountIndex, getDeviceSeed, getSeedProfiles)
-import Simplex.Chat.Wallet (AccountIndex, WalletSeed (..), deriveNameKey, importRecoveryKey, nameKeySecret, newSeed, recoveryKeyPhrase, renderNameKeyPath, seedMaster)
+import Simplex.Chat.Store.Wallets (createSeed, deleteSeed, getDeviceSeed, getNextNameIndex)
+import Simplex.Chat.Wallet (NameIndex, WalletSeed (..), deriveNameKey, importRecoveryKey, nameKeySecret, newSeed, recoveryKeyPhrase, renderNameKeyPath, seedMaster)
 import Simplex.Messaging.Eth.Address (addressFromPrivateKey)
 import Simplex.Chat.Call
 import Simplex.Chat.Controller
@@ -1494,17 +1494,10 @@ processChatCommand cxt nm = \case
     pure $ CRServiceReplyAccepted user (AgentConnId connId)
   APIWallet -> withUser $ \user -> do
     withFastStore' getDeviceSeed >>= \case
-      Nothing -> pure $ CRWallet user False [] []
+      Nothing -> pure $ CRWallet user False []
       Just seed -> do
-        acct_ <- withFastStore' (`getAccountIndex` user)
-        paths <- maybe (pure []) (nameKeyRows seed) acct_
-        -- other profiles are named but not numbered, so a hidden one leaves no gap
-        profiles <- withFastStore' $ \db -> getSeedProfiles db (wsId seed) user
-        pure $ CRWallet user True paths profiles
-  APIWalletBind acct_ -> withUser $ \user -> do
-    seed <- deviceSeed
-    withFastStore' (\db -> bindAccountIndex db user (wsId seed) acct_) >>= either throwCmdError pure
-    processChatCommand cxt nm APIWallet
+        next <- withFastStore' $ \db -> getNextNameIndex db (wsId seed)
+        CRWallet user True <$> nameKeyRows seed next
   APIWalletCreate -> withUser $ \_ -> do
     g <- asks random
     entropy <- atomically $ newSeed MS256 g
@@ -1520,10 +1513,10 @@ processChatCommand cxt nm = \case
     seed <- deviceSeed
     phrase <- either throwCmdError pure $ recoveryKeyPhrase seed
     pure $ CRWalletSeedMnemonic user (safeDecodeUtf8 phrase)
-  APIWalletExportDerivedSecret acct nameIdx -> withUser $ \user -> do
+  APIWalletExportDerivedSecret nameIdx -> withUser $ \user -> do
     seed <- deviceSeed
-    k <- either throwCmdError pure $ seedMaster seed >>= \m -> deriveNameKey m acct nameIdx
-    pure $ CRWalletDerivedSecret user (renderNameKeyPath acct nameIdx) (decodeLatin1 . strEncode $ addressFromPrivateKey k) (safeDecodeUtf8 $ nameKeySecret k)
+    k <- either throwCmdError pure $ seedMaster seed >>= \m -> deriveNameKey m nameIdx
+    pure $ CRWalletDerivedSecret user (renderNameKeyPath nameIdx) (decodeLatin1 . strEncode $ addressFromPrivateKey k) (safeDecodeUtf8 $ nameKeySecret k)
   APIWalletDelete -> withUser $ \_ -> do
     seed <- deviceSeed
     withFastStore' $ \db -> deleteSeed db (wsId seed)
@@ -5470,11 +5463,11 @@ walletNamesShown = 2
 deviceSeed :: CM WalletSeed
 deviceSeed = withFastStore' getDeviceSeed >>= maybe (throwCmdError "no wallet key on this device") pure
 
-nameKeyRows :: WalletSeed -> AccountIndex -> CM [(Text, Text)]
-nameKeyRows seed acct = either throwCmdError pure $ do
+nameKeyRows :: WalletSeed -> NameIndex -> CM [(Text, Text)]
+nameKeyRows seed next = either throwCmdError pure $ do
   master <- seedMaster seed
-  forM (take walletNamesShown [0 ..]) $ \nm ->
-    (renderNameKeyPath acct nm,) . decodeLatin1 . strEncode . addressFromPrivateKey <$> deriveNameKey master acct nm
+  forM (take walletNamesShown [next ..]) $ \nm ->
+    (renderNameKeyPath nm,) . decodeLatin1 . strEncode . addressFromPrivateKey <$> deriveNameKey master nm
 
 chatCommandP :: Parser ChatCommand
 chatCommandP =
@@ -5594,11 +5587,9 @@ chatCommandP =
       "/_reject " *> (APIRejectContact <$> A.decimal <*> (" notify=" *> onOffP <|> pure False)),
       "/_service_request " *> (APISendServiceRequest <$> A.decimal <* A.space <*> strP <*> optional (" timeout=" *> (realToFrac <$> A.double)) <*> optional (" sign_key=" *> strP) <* A.space <*> jsonP),
       "/_service_response " *> (APISendServiceResponse <$> A.decimal <* A.space <*> strP <* A.space <*> jsonP),
-      "/_wallet bind " *> (APIWalletBind . Just <$> keyIndexP),
-      "/_wallet bind" $> APIWalletBind Nothing,
       "/_wallet create" $> APIWalletCreate,
       "/_wallet import " *> (APIWalletImport <$> textP),
-      "/_wallet export " *> (APIWalletExportDerivedSecret <$> keyIndexP <* A.space <*> keyIndexP),
+      "/_wallet export " *> (APIWalletExportDerivedSecret <$> keyIndexP),
       "/_wallet export" $> APIWalletExportSeedMnemonic,
       "/_wallet delete" $> APIWalletDelete,
       "/_wallet" $> APIWallet,
diff --git a/src/Simplex/Chat/Store/Postgres/Migrations/M20260908_wallet_seeds.hs b/src/Simplex/Chat/Store/Postgres/Migrations/M20260908_wallet_seeds.hs
index a5117f0873..d8617d0841 100644
--- a/src/Simplex/Chat/Store/Postgres/Migrations/M20260908_wallet_seeds.hs
+++ b/src/Simplex/Chat/Store/Postgres/Migrations/M20260908_wallet_seeds.hs
@@ -13,25 +13,18 @@ CREATE TABLE wallet_seeds (
   wallet_seed_id BIGINT GENERATED ALWAYS AS IDENTITY PRIMARY KEY,
   seed BYTEA NOT NULL,
   -- see the SQLite migration
-  next_account_index BIGINT NOT NULL DEFAULT 0,
-  -- one key per device for now
+  next_name_index BIGINT NOT NULL DEFAULT 1,
+  -- one seed per device for now
   single_seed SMALLINT NOT NULL DEFAULT 1
 );
 
-ALTER TABLE users ADD COLUMN wallet_seed_id BIGINT REFERENCES wallet_seeds ON DELETE RESTRICT;
-ALTER TABLE users ADD COLUMN wallet_account_index BIGINT;
-
 CREATE UNIQUE INDEX idx_wallet_seeds_single_seed ON wallet_seeds(single_seed);
-CREATE INDEX idx_users_wallet_seed_id ON users(wallet_seed_id);
 |]
 
 down_m20260908_wallet_seeds :: Text
 down_m20260908_wallet_seeds =
   [r|
-DROP INDEX idx_users_wallet_seed_id;
-
-ALTER TABLE users DROP COLUMN wallet_account_index;
-ALTER TABLE users DROP COLUMN wallet_seed_id;
+DROP INDEX idx_wallet_seeds_single_seed;
 
 DROP TABLE wallet_seeds;
 |]
diff --git a/src/Simplex/Chat/Store/Postgres/Migrations/chat_schema.sql b/src/Simplex/Chat/Store/Postgres/Migrations/chat_schema.sql
index 090e2ebf6d..c5e5fa52e5 100644
--- a/src/Simplex/Chat/Store/Postgres/Migrations/chat_schema.sql
+++ b/src/Simplex/Chat/Store/Postgres/Migrations/chat_schema.sql
@@ -1517,9 +1517,7 @@ CREATE TABLE test_chat_schema.users (
     auto_accept_member_contacts smallint DEFAULT 0 NOT NULL,
     is_user_chat_relay smallint DEFAULT 0 NOT NULL,
     client_service smallint DEFAULT 0 NOT NULL,
-    auto_accept_group_invitations smallint DEFAULT 0 NOT NULL,
-    wallet_seed_id bigint,
-    wallet_account_index bigint
+    auto_accept_group_invitations smallint DEFAULT 0 NOT NULL
 );
 
 
@@ -1538,7 +1536,7 @@ ALTER TABLE test_chat_schema.users ALTER COLUMN user_id ADD GENERATED ALWAYS AS
 CREATE TABLE test_chat_schema.wallet_seeds (
     wallet_seed_id bigint NOT NULL,
     seed bytea NOT NULL,
-    next_account_index bigint DEFAULT 0 NOT NULL,
+    next_name_index bigint DEFAULT 1 NOT NULL,
     single_seed smallint DEFAULT 1 NOT NULL
 );
 
@@ -2667,10 +2665,6 @@ CREATE UNIQUE INDEX idx_user_contact_links_group_id ON test_chat_schema.user_con
 
 
 
-CREATE INDEX idx_users_wallet_seed_id ON test_chat_schema.users USING btree (wallet_seed_id);
-
-
-
 CREATE UNIQUE INDEX idx_wallet_seeds_single_seed ON test_chat_schema.wallet_seeds USING btree (single_seed);
 
 
@@ -3350,11 +3344,6 @@ ALTER TABLE ONLY test_chat_schema.user_contact_links
 
 
 
-ALTER TABLE ONLY test_chat_schema.users
-    ADD CONSTRAINT users_wallet_seed_id_fkey FOREIGN KEY (wallet_seed_id) REFERENCES test_chat_schema.wallet_seeds(wallet_seed_id) ON DELETE RESTRICT;
-
-
-
 ALTER TABLE ONLY test_chat_schema.xftp_file_descriptions
     ADD CONSTRAINT xftp_file_descriptions_user_id_fkey FOREIGN KEY (user_id) REFERENCES test_chat_schema.users(user_id) ON DELETE CASCADE;
 
diff --git a/src/Simplex/Chat/Store/SQLite/Migrations/M20260908_wallet_seeds.hs b/src/Simplex/Chat/Store/SQLite/Migrations/M20260908_wallet_seeds.hs
index a1cbbe0e91..a2fdc2b500 100644
--- a/src/Simplex/Chat/Store/SQLite/Migrations/M20260908_wallet_seeds.hs
+++ b/src/Simplex/Chat/Store/SQLite/Migrations/M20260908_wallet_seeds.hs
@@ -11,27 +11,20 @@ m20260908_wallet_seeds =
 CREATE TABLE wallet_seeds (
   wallet_seed_id INTEGER PRIMARY KEY AUTOINCREMENT,
   seed BLOB NOT NULL, -- BIP-39 entropy, 16-32 bytes
-  -- known issue: after an import this starts at 0, so /_wallet bind with no
-  -- account can hand out one that already owns names
-  next_account_index INTEGER NOT NULL DEFAULT 0,
-  -- one key per device for now
+  -- known issue: after an import this starts at 1, so it can hand out a name
+  -- key at a path that already owns a name
+  next_name_index INTEGER NOT NULL DEFAULT 1,
+  -- one seed per device for now
   single_seed INTEGER NOT NULL DEFAULT 1
 ) STRICT;
 
-ALTER TABLE users ADD COLUMN wallet_seed_id INTEGER REFERENCES wallet_seeds ON DELETE RESTRICT;
-ALTER TABLE users ADD COLUMN wallet_account_index INTEGER;
-
 CREATE UNIQUE INDEX idx_wallet_seeds_single_seed ON wallet_seeds(single_seed);
-CREATE INDEX idx_users_wallet_seed_id ON users(wallet_seed_id);
 |]
 
 down_m20260908_wallet_seeds :: Query
 down_m20260908_wallet_seeds =
   [sql|
-DROP INDEX idx_users_wallet_seed_id;
-
-ALTER TABLE users DROP COLUMN wallet_account_index;
-ALTER TABLE users DROP COLUMN wallet_seed_id;
+DROP INDEX idx_wallet_seeds_single_seed;
 
 DROP TABLE wallet_seeds;
 |]
diff --git a/src/Simplex/Chat/Store/SQLite/Migrations/chat_schema.sql b/src/Simplex/Chat/Store/SQLite/Migrations/chat_schema.sql
index ff0d075675..80c72a42e7 100644
--- a/src/Simplex/Chat/Store/SQLite/Migrations/chat_schema.sql
+++ b/src/Simplex/Chat/Store/SQLite/Migrations/chat_schema.sql
@@ -54,9 +54,7 @@ CREATE TABLE users(
   auto_accept_member_contacts INTEGER NOT NULL DEFAULT 0,
   is_user_chat_relay INTEGER NOT NULL DEFAULT 0,
   client_service INTEGER NOT NULL DEFAULT 0,
-  auto_accept_group_invitations INTEGER NOT NULL DEFAULT 0,
-  wallet_seed_id INTEGER REFERENCES wallet_seeds ON DELETE RESTRICT,
-  wallet_account_index INTEGER, -- 1 for active user
+  auto_accept_group_invitations INTEGER NOT NULL DEFAULT 0, -- 1 for active user
   FOREIGN KEY(user_id, local_display_name)
   REFERENCES display_names(user_id, local_display_name)
   ON DELETE RESTRICT
@@ -857,10 +855,10 @@ CREATE TABLE rcv_roster_transfers(
 CREATE TABLE wallet_seeds(
   wallet_seed_id INTEGER PRIMARY KEY AUTOINCREMENT,
   seed BLOB NOT NULL, -- BIP-39 entropy, 16-32 bytes
-  -- known issue: after an import this starts at 0, so /_wallet bind with no
-  -- account can hand out one that already owns names
-  next_account_index INTEGER NOT NULL DEFAULT 0,
-  -- one key per device for now
+  -- known issue: after an import this starts at 1, so it can hand out a name
+  -- key at a path that already owns a name
+  next_name_index INTEGER NOT NULL DEFAULT 1,
+  -- one seed per device for now
   single_seed INTEGER NOT NULL DEFAULT 1
 ) STRICT;
 CREATE INDEX contact_profiles_index ON contact_profiles(
@@ -1398,7 +1396,6 @@ CREATE INDEX idx_chat_items_item_signed_by_group_member_id ON chat_items(
   item_signed_by_group_member_id
 );
 CREATE UNIQUE INDEX idx_wallet_seeds_single_seed ON wallet_seeds(single_seed);
-CREATE INDEX idx_users_wallet_seed_id ON users(wallet_seed_id);
 CREATE TRIGGER on_group_members_insert_update_summary
 AFTER INSERT ON group_members
 FOR EACH ROW
diff --git a/src/Simplex/Chat/Store/Wallets.hs b/src/Simplex/Chat/Store/Wallets.hs
index 6d2b659764..bd09feb3a0 100644
--- a/src/Simplex/Chat/Store/Wallets.hs
+++ b/src/Simplex/Chat/Store/Wallets.hs
@@ -1,33 +1,25 @@
 {-# LANGUAGE CPP #-}
 {-# LANGUAGE LambdaCase #-}
-{-# LANGUAGE NamedFieldPuns #-}
 {-# LANGUAGE OverloadedStrings #-}
-{-# LANGUAGE QuasiQuotes #-}
 
 module Simplex.Chat.Store.Wallets
   ( getDeviceSeed,
-    getAccountIndex,
-    getSeedProfiles,
+    getNextNameIndex,
     createSeed,
-    bindAccountIndex,
     deleteSeed,
   )
 where
 
 import Data.ByteString (ByteString)
 import Data.Int (Int64)
-import Data.Text (Text)
-import Simplex.Chat.Types (User (..))
-import Simplex.Chat.Wallet (AccountIndex, SeedId, WalletSeed (..))
+import Simplex.Chat.Wallet (NameIndex, SeedId, WalletSeed (..))
 import Simplex.Messaging.Agent.Store.AgentStore (maybeFirstRow)
 import qualified Simplex.Messaging.Agent.Store.DB as DB
 
 #if defined(dbPostgres)
 import Database.PostgreSQL.Simple (Only (..))
-import Database.PostgreSQL.Simple.SqlQQ (sql)
 #else
 import Database.SQLite.Simple (Only (..))
-import Database.SQLite.Simple.QQ (sql)
 #endif
 
 toSeed :: (Int64, ByteString) -> WalletSeed
@@ -38,91 +30,20 @@ getDeviceSeed db =
   maybeFirstRow toSeed $
     DB.query_ db "SELECT wallet_seed_id, seed FROM wallet_seeds ORDER BY wallet_seed_id LIMIT 1"
 
-getAccountIndex :: DB.Connection -> User -> IO (Maybe AccountIndex)
-getAccountIndex db User {userId} = do
-  r <-
-    maybeFirstRow fromOnly $
-      DB.query db "SELECT wallet_account_index FROM users WHERE user_id = ?" (Only userId)
-  pure $ case r of
-    Just (Just ix) -> Just $ fromIntegral (ix :: Int64)
-    _ -> Nothing
+-- | The index the next name bought on this device takes.
+getNextNameIndex :: DB.Connection -> SeedId -> IO NameIndex
+getNextNameIndex db sId =
+  maybe 1 (fromIntegral :: Int64 -> NameIndex)
+    <$> ( maybeFirstRow fromOnly $
+            DB.query db "SELECT next_name_index FROM wallet_seeds WHERE wallet_seed_id = ?" (Only sId)
+        )
 
--- | Hidden profiles are left out, as they are by /users.
-getSeedProfiles :: DB.Connection -> SeedId -> User -> IO [Text]
-getSeedProfiles db sId User {userId} =
-  map fromOnly
-    <$> DB.query
-      db
-      [sql|
-        SELECT local_display_name FROM users
-        WHERE wallet_seed_id = ? AND user_id != ? AND view_pwd_hash IS NULL
-        ORDER BY local_display_name
-      |]
-      (sId, userId)
-
-bindUser :: DB.Connection -> Int64 -> SeedId -> Int64 -> IO ()
-bindUser db uId sId acct =
-  DB.execute
-    db
-    "UPDATE users SET wallet_seed_id = ?, wallet_account_index = ? WHERE user_id = ?"
-    (sId, acct, uId)
-
--- | False if the device already has a key. No profile is bound, as which
--- account a profile takes is said with bind.
+-- | False if the device already has a seed.
 createSeed :: DB.Connection -> ByteString -> IO Bool
 createSeed db entropy =
   getDeviceSeed db >>= \case
     Just _ -> pure False
     Nothing -> True <$ DB.execute db "INSERT INTO wallet_seeds (seed) VALUES (?)" (Only $ DB.Binary entropy)
 
--- | Without an account the next free one is taken, which a profile that has
--- one does not need: moving to another account is asked for by number.
-bindAccountIndex :: DB.Connection -> User -> SeedId -> Maybe AccountIndex -> IO (Either String ())
-bindAccountIndex db user@User {userId} sId = \case
-  Nothing ->
-    getAccountIndex db user >>= \case
-      Just _ -> pure $ Left "this profile already has an account"
-      Nothing -> do
-        acct <- takeAccountIndex db sId
-        -- BIP-32 hardens at 2^31, and every index above it is the same key again
-        if acct >= 0x80000000
-          then pure $ Left "no free account on this key"
-          else Right () <$ bindUser db userId sId acct
-  Just acct
-    | acct >= 0x80000000 -> pure $ Left "account index too large"
-    | otherwise -> do
-        taken <-
-          maybeFirstRow fromOnly $
-            DB.query
-              db
-              "SELECT 1 FROM users WHERE wallet_seed_id = ? AND wallet_account_index = ? AND user_id != ?"
-              (sId, fromIntegral acct :: Int64, userId)
-        case (taken :: Maybe Int64) of
-          Just _ -> pure $ Left "another profile uses this account"
-          Nothing -> do
-            bindUser db userId sId (fromIntegral acct)
-            -- the counter moves past it, so the next profile is not handed the same one
-            setNextAccountIndex db sId (fromIntegral acct + 1)
-            pure $ Right ()
-
--- | So two profiles cannot be handed the same account.
-takeAccountIndex :: DB.Connection -> SeedId -> IO Int64
-takeAccountIndex db sId = do
-  DB.execute db "UPDATE wallet_seeds SET next_account_index = next_account_index + 1 WHERE wallet_seed_id = ?" (Only sId)
-  maybe 0 (subtract 1)
-    <$> ( maybeFirstRow fromOnly $
-            DB.query db "SELECT next_account_index FROM wallet_seeds WHERE wallet_seed_id = ?" (Only sId)
-        )
-
-setNextAccountIndex :: DB.Connection -> SeedId -> Int64 -> IO ()
-setNextAccountIndex db sId acct =
-  DB.execute
-    db
-    "UPDATE wallet_seeds SET next_account_index = ? WHERE wallet_seed_id = ? AND next_account_index < ?"
-    (acct, sId, acct)
-
--- | Profiles are unbound first, as the foreign key is ON DELETE RESTRICT.
 deleteSeed :: DB.Connection -> SeedId -> IO ()
-deleteSeed db sId = do
-  DB.execute db "UPDATE users SET wallet_seed_id = NULL, wallet_account_index = NULL WHERE wallet_seed_id = ?" (Only sId)
-  DB.execute db "DELETE FROM wallet_seeds WHERE wallet_seed_id = ?" (Only sId)
+deleteSeed db sId = DB.execute db "DELETE FROM wallet_seeds WHERE wallet_seed_id = ?" (Only sId)
diff --git a/src/Simplex/Chat/View.hs b/src/Simplex/Chat/View.hs
index 592f20de31..d02c1d70e4 100644
--- a/src/Simplex/Chat/View.hs
+++ b/src/Simplex/Chat/View.hs
@@ -188,14 +188,9 @@ chatResponseToView hu cfg@ChatConfig {logLevel, showReactions, showFullLinks, te
   CRContactRequestRejected u UserContactRequest {localDisplayName = c} _ct_ -> ttyUser u [ttyContact c <> ": contact request rejected"]
   CRServiceResponse u resp -> ttyUser u ["service response: " <> viewJSON resp]
   CRServiceReplyAccepted u (AgentConnId cId) -> ttyUser u [plain $ "service reply accepted, connection id: " <> safeDecodeUtf8 (strEncode cId)]
-  CRWallet u exists paths profiles
-    | not exists -> ttyUser u ["no wallet key"]
-    | otherwise -> ttyUser u $ keyRows <> [plain $ "also on same seed: " <> T.intercalate ", " profiles | not (null profiles)]
+  CRWallet u exists paths -> ttyUser u $ if exists then map nameRow paths else ["no wallet key"]
     where
-      keyRows
-        | null paths = ["no account for this profile"]
-        | otherwise = zipWith nameRow [0 :: Int ..] paths
-      nameRow k (path, addr) = plain $ "name " <> tshow k <> "  " <> path <> "  " <> addr
+      nameRow (path, addr) = plain $ path <> "  " <> addr
   CRWalletSeedMnemonic u phrase -> ttyUser u [plain phrase]
   CRWalletDerivedSecret u path addr secret -> ttyUser u [plain $ path <> "  " <> addr <> "  " <> secret]
   CRGroupCreated u g -> ttyUser u $ viewGroupCreated g testView
diff --git a/src/Simplex/Chat/Wallet.hs b/src/Simplex/Chat/Wallet.hs
index 304de1f807..d220318413 100644
--- a/src/Simplex/Chat/Wallet.hs
+++ b/src/Simplex/Chat/Wallet.hs
@@ -2,12 +2,11 @@
 
 -- | BIP-39 seeds and the keys derived from them.
 --
--- One account path per profile, one key per name under it. A name's secret is
--- a leaf, so exporting it hands over that name only.
+-- One key per name. A name's secret is a leaf, so exporting it hands over that
+-- name only.
 module Simplex.Chat.Wallet
   ( SeedId,
     WalletSeed (..),
-    AccountIndex,
     NameIndex,
     newSeed,
     importRecoveryKey,
@@ -34,10 +33,8 @@ import Simplex.Messaging.Eth.Address (ethereumPath)
 
 type SeedId = Int64
 
--- | BIP-44 account index, one per chat profile.
-type AccountIndex = Word32
-
--- | BIP-44 address index, one per name.
+-- | BIP-44 address index, one per name. Names sit in account 0, from index 1:
+-- account 0 index 0 is left for the profile accounts to start beside.
 type NameIndex = Word32
 
 data WalletSeed = WalletSeed
@@ -65,11 +62,11 @@ seedMaster s = do
   m <- B39.entropyToMnemonic (wsEntropy s)
   B32.masterKey (B39.mnemonicToSeed m "")
 
-renderNameKeyPath :: AccountIndex -> NameIndex -> Text
-renderNameKeyPath acc nm = decodeLatin1 . B32.renderPath $ ethereumPath acc nm
+renderNameKeyPath :: NameIndex -> Text
+renderNameKeyPath nm = decodeLatin1 . B32.renderPath $ ethereumPath 0 nm
 
-deriveNameKey :: B32.ExtendedKey -> AccountIndex -> NameIndex -> Either String S.PrivateKey
-deriveNameKey master acc nm = B32.xkKey <$> B32.derivePath master (ethereumPath acc nm)
+deriveNameKey :: B32.ExtendedKey -> NameIndex -> Either String S.PrivateKey
+deriveNameKey master nm = B32.xkKey <$> B32.derivePath master (ethereumPath 0 nm)
 
 -- | As wallets take it when a key is imported on its own.
 nameKeySecret :: S.PrivateKey -> ByteString
diff --git a/tests/WalletTests.hs b/tests/WalletTests.hs
index cd509e5473..cf12eabcee 100644
--- a/tests/WalletTests.hs
+++ b/tests/WalletTests.hs
@@ -9,9 +9,9 @@ import ChatTests.Utils
 import Data.ByteString.Char8 (ByteString)
 import qualified Data.ByteString.Char8 as B
 import Data.Either (isLeft)
-import Data.List (intersect, nub)
-import Simplex.Chat.Wallet (AccountIndex, NameIndex, WalletSeed (..), deriveNameKey, importRecoveryKey, nameKeySecret, recoveryKeyPhrase, renderNameKeyPath, seedMaster)
+import Data.List (nub)
 import qualified Simplex.Messaging.Crypto.Secp256k1 as S
+import Simplex.Chat.Wallet (NameIndex, WalletSeed (..), deriveNameKey, importRecoveryKey, nameKeySecret, recoveryKeyPhrase, renderNameKeyPath, seedMaster)
 import Simplex.Messaging.Eth.Address (addressFromPrivateKey)
 import Test.Hspec hiding (it)
 import qualified Test.Hspec as Hspec
@@ -23,25 +23,23 @@ testPhrase = "abandon abandon abandon abandon abandon abandon abandon abandon ab
 testSeed :: WalletSeed
 testSeed = WalletSeed {wsId = 1, wsEntropy = either error id $ importRecoveryKey testPhrase}
 
-nameKey :: AccountIndex -> NameIndex -> Either String S.PrivateKey
-nameKey acc nm = seedMaster testSeed >>= \m -> deriveNameKey m acc nm
+nameKey :: NameIndex -> Either String S.PrivateKey
+nameKey nm = seedMaster testSeed >>= \m -> deriveNameKey m nm
 
 walletDerivationTests :: Spec
 walletDerivationTests = do
   Hspec.it "name keys line up with other wallets' derivation" $ do
-    let addrOf i k = either error (show . addressFromPrivateKey) (nameKey i k)
-    -- MetaMask accounts 1 and 2 for this phrase
-    addrOf 0 0 `shouldBe` "0x9858EfFD232B4033E47d90003D41EC34EcaEda94"
-    addrOf 0 1 `shouldBe` "0x6Fac4D18c912343BF86fa7049364Dd4E424Ab9C0"
-    -- Ledger Live account 2 for this phrase
-    addrOf 1 0 `shouldBe` "0x78839F6054d7ed13918bAe0473BA31b1Ca9D7265"
+    let addrOf k = either error (show . addressFromPrivateKey) (nameKey k)
+    -- MetaMask accounts 2 and 3 for this phrase; account 1 is the unused m/44'/60'/0'/0/0
+    addrOf 1 `shouldBe` "0x6Fac4D18c912343BF86fa7049364Dd4E424Ab9C0"
+    addrOf 2 `shouldBe` "0xb6716976A3ebe8D39aCEB04372f22Ff8e6802D7A"
   Hspec.it "derives the same secret as other wallets" $
-    -- MetaMask account 1 for this phrase, as exported by "Show private key"
-    either error nameKeySecret (nameKey 0 0)
-      `shouldBe` "0x1ab42cc412b618bdea3a599e3c9bae199ebf030895b039e9db1e30dafb12b727"
+    -- MetaMask account 2 for this phrase, as exported by "Show private key"
+    either error nameKeySecret (nameKey 1)
+      `shouldBe` "0x9a983cb3d832fbde5ab49d692b7a8bf5b5d232479c99333d0fc8e1d21f1b55b6"
   Hspec.it "renders the path a name key sits at" $ do
-    renderNameKeyPath 0 0 `shouldBe` "m/44'/60'/0'/0/0"
-    renderNameKeyPath 2 7 `shouldBe` "m/44'/60'/2'/0/7"
+    renderNameKeyPath 1 `shouldBe` "m/44'/60'/0'/0/1"
+    renderNameKeyPath 7 `shouldBe` "m/44'/60'/0'/0/7"
   Hspec.it "round-trips the phrase it was imported from" $
     recoveryKeyPhrase testSeed `shouldBe` Right testPhrase
   Hspec.it "refuses a phrase with a bad checksum" $
@@ -49,23 +47,23 @@ walletDerivationTests = do
 
 walletTests :: SpecWith TestParams
 walletTests = do
-  it "creates no key until asked, then derives addresses" testWalletCreate
-  it "the key and the addresses come back after a restart" testWalletPersists
-  it "a second profile gets its own account, on the same key" testWalletSecondProfile
+  it "creates no seed until asked, then derives addresses" testWalletCreate
+  it "the seed and the addresses come back after a restart" testWalletPersists
+  it "every profile sees the same names, as the seed is the device's" testWalletSharedByProfiles
   it "imports a phrase, exports it, and refuses a second import" testWalletImport
   it "exports the secret of any name key" testWalletExportDerivedSecret
-  it "deletes the key, and a key can be imported again" testWalletDelete
-  it "binds a profile to the account it had" testWalletBind
-  it "binds a profile once, and only to an account BIP-32 can harden" testWalletBindLimits
-  it "needs no import when the database was backed up after the key" testWalletBackupAfterKey
-  it "rebinds by index when the database was backed up before the key" testWalletBackupBeforeKey
-  it "discards a key imported before the database is restored" testWalletImportThenRestore
+  it "deletes the seed, and a seed can be imported again" testWalletDelete
+  it "discards a seed imported before the database is restored" testWalletImportThenRestore
+
+-- | The state a chat database backed up before the seed restores to.
+forgetSeed :: HasCallStack => TestCC -> IO ()
+forgetSeed cc = cc ##> "/sql chat DELETE FROM wallet_seeds"
 
 nameRows :: HasCallStack => TestCC -> IO [(String, String)]
 nameRows cc = mapM (\_ -> nameRow <$> getTermLine cc) [0 .. 1 :: Int]
   where
     nameRow l = case words l of
-      ["name", _, path, addr] -> (path, addr)
+      [path, addr] -> (path, addr)
       _ -> error $ "unexpected wallet row: " <> l
 
 testWalletCreate :: HasCallStack => TestParams -> IO ()
@@ -78,18 +76,17 @@ testWalletCreate ps = withNewTestChat ps "alice" aliceProfile $ \alice -> do
   alice ##> "/_wallet export"
   alice <## "bad chat command: no wallet key on this device"
   alice ##> "/_wallet create"
-  alice <## "no account for this profile"
-  alice ##> "/_wallet bind"
   rows <- nameRows alice
-  map fst rows `shouldBe` ["m/44'/60'/0'/0/0", "m/44'/60'/0'/0/1"]
+  map fst rows `shouldBe` ["m/44'/60'/0'/0/1", "m/44'/60'/0'/0/2"]
   length (nub $ map snd rows) `shouldBe` 2
+  -- create is for the seed, and this device has one
+  alice ##> "/_wallet create"
+  alice <## "bad chat command: this device already has a wallet key"
 
 testWalletPersists :: HasCallStack => TestParams -> IO ()
 testWalletPersists ps = do
   rows <- withNewTestChat ps "alice" aliceProfile $ \alice -> do
     alice ##> "/_wallet create"
-    alice <## "no account for this profile"
-    alice ##> "/_wallet bind"
     nameRows alice
   -- same database, new session: a name bought at that address must stay reachable
   withTestChat ps "alice" $ \alice -> do
@@ -97,39 +94,24 @@ testWalletPersists ps = do
     rows' <- nameRows alice
     rows' `shouldBe` rows
 
-testWalletSecondProfile :: HasCallStack => TestParams -> IO ()
-testWalletSecondProfile ps = withNewTestChat ps "alice" aliceProfile $ \alice -> do
-  alice ##> "/_wallet create"
-  alice <## "no account for this profile"
-  alice ##> "/_wallet bind"
+testWalletSharedByProfiles :: HasCallStack => TestParams -> IO ()
+testWalletSharedByProfiles ps = withNewTestChat ps "alice" aliceProfile $ \alice -> do
+  alice ##> ("/_wallet import " <> B.unpack testPhrase)
   rows <- nameRows alice
-  alice ##> "/_wallet export"
-  phrase <- getTermLine alice
   alice ##> "/create user alisa"
   showActiveUser alice "alisa"
-  -- other profiles are named, never numbered
+  -- the seed belongs to the device, so a name is not a profile's to see or not
   alice ##> "/_wallet"
-  alice <## "no account for this profile"
-  alice <## "also on same seed: alice"
-  -- the key belongs to the device, so a profile without an account exports it too
-  alice ##> "/_wallet export"
-  alice <## phrase
-  alice ##> "/_wallet create"
-  alice <## "bad chat command: this device already has a wallet key"
-  alice ##> "/_wallet bind"
   rows' <- nameRows alice
-  alice <## "also on same seed: alice"
-  map fst rows' `shouldBe` ["m/44'/60'/1'/0/0", "m/44'/60'/1'/0/1"]
-  null (map snd rows `intersect` map snd rows') `shouldBe` True
+  rows' `shouldBe` rows
+  alice ##> "/_wallet export"
+  alice <## B.unpack testPhrase
 
 testWalletImport :: HasCallStack => TestParams -> IO ()
 testWalletImport ps = withNewTestChat ps "alice" aliceProfile $ \alice -> do
-  -- import binds nothing: which account a profile had is what it is recovering
   alice ##> ("/_wallet import " <> B.unpack testPhrase)
-  alice <## "no account for this profile"
-  alice ##> "/_wallet bind"
-  alice <## "name 0  m/44'/60'/0'/0/0  0x9858EfFD232B4033E47d90003D41EC34EcaEda94"
-  alice <## "name 1  m/44'/60'/0'/0/1  0x6Fac4D18c912343BF86fa7049364Dd4E424Ab9C0"
+  alice <## "m/44'/60'/0'/0/1  0x6Fac4D18c912343BF86fa7049364Dd4E424Ab9C0"
+  alice <## "m/44'/60'/0'/0/2  0xb6716976A3ebe8D39aCEB04372f22Ff8e6802D7A"
   alice ##> "/_wallet export"
   alice <## B.unpack testPhrase
   alice ##> ("/_wallet import " <> B.unpack testPhrase)
@@ -140,130 +122,35 @@ testWalletImport ps = withNewTestChat ps "alice" aliceProfile $ \alice -> do
 
 testWalletExportDerivedSecret :: HasCallStack => TestParams -> IO ()
 testWalletExportDerivedSecret ps = withNewTestChat ps "alice" aliceProfile $ \alice -> do
-  -- the secret of a name key needs no profile bound to that account
   alice ##> ("/_wallet import " <> B.unpack testPhrase)
-  alice <## "no account for this profile"
-  alice ##> "/_wallet export 0 0"
-  alice <## "m/44'/60'/0'/0/0  0x9858EfFD232B4033E47d90003D41EC34EcaEda94  0x1ab42cc412b618bdea3a599e3c9bae199ebf030895b039e9db1e30dafb12b727"
-  -- an index BIP-32 cannot harden is rejected, not wrapped into another account
-  alice ##> "/_wallet export 4294967296 0"
-  alice <## "bad chat command: Failed reading: empty"
-  -- any path derives, whether or not a profile holds that account
-  alice ##> "/_wallet export 3 7"
-  alice <## "m/44'/60'/3'/0/7  0xb8cb8628d242fF621adb05E75b7bF16c9b496740  0x5fa3f03c127d150c82f54291f9989c955c3857a54df7abbb50e28199a0bbaac1"
+  _ <- nameRows alice
+  alice ##> "/_wallet export 1"
+  alice <## "m/44'/60'/0'/0/1  0x6Fac4D18c912343BF86fa7049364Dd4E424Ab9C0  0x9a983cb3d832fbde5ab49d692b7a8bf5b5d232479c99333d0fc8e1d21f1b55b6"
   -- a secret whose first byte is zero keeps its 64 hex digits
-  alice ##> "/_wallet export 0 15"
+  alice ##> "/_wallet export 15"
   alice <## "m/44'/60'/0'/0/15  0xa25d37554EB084969C85362f7E6B1A6108e51d0e  0x009a1ccd9c667416d9db6246a35d022b1799517c0cd8547bb07ce280c119ae3c"
+  -- an index BIP-32 cannot reach is rejected, not wrapped into another key
+  alice ##> "/_wallet export 4294967296"
+  alice <## "bad chat command: Failed reading: empty"
 
 testWalletDelete :: HasCallStack => TestParams -> IO ()
 testWalletDelete ps = withNewTestChat ps "alice" aliceProfile $ \alice -> do
   alice ##> ("/_wallet import " <> B.unpack testPhrase)
-  alice <## "no account for this profile"
-  alice ##> "/_wallet bind"
   _ <- nameRows alice
   alice ##> "/_wallet delete"
   alice <## "no wallet key"
-  -- deleting unbinds the profile, so a key can be imported again
   alice ##> ("/_wallet import " <> B.unpack testPhrase)
-  alice <## "no account for this profile"
-
--- | A profile says which account was its, as nothing else knows.
-testWalletBind :: HasCallStack => TestParams -> IO ()
-testWalletBind ps = withNewTestChat ps "alice" aliceProfile $ \alice -> do
-  alice ##> ("/_wallet import " <> B.unpack testPhrase)
-  alice <## "no account for this profile"
-  alice ##> "/_wallet bind 3"
-  rows <- nameRows alice
-  map fst rows `shouldBe` ["m/44'/60'/3'/0/0", "m/44'/60'/3'/0/1"]
-  alice ##> "/create user alisa"
-  showActiveUser alice "alisa"
-  alice ##> "/_wallet bind 3"
-  alice <## "bad chat command: another profile uses this account"
-  -- the counter moved past the account bound by hand
-  alice ##> "/_wallet bind"
-  rows' <- nameRows alice
-  alice <## "also on same seed: alice"
-  map fst rows' `shouldBe` ["m/44'/60'/4'/0/0", "m/44'/60'/4'/0/1"]
-
--- | The state a chat database backed up before the key restores to.
-forgetKey :: HasCallStack => TestCC -> IO ()
-forgetKey cc = do
-  cc ##> "/sql chat UPDATE users SET wallet_seed_id = NULL, wallet_account_index = NULL"
-  cc ##> "/sql chat DELETE FROM wallet_seeds"
-
-testWalletBackupAfterKey :: HasCallStack => TestParams -> IO ()
-testWalletBackupAfterKey ps = do
-  rows <- withNewTestChat ps "alice" aliceProfile $ \alice -> do
-    alice ##> "/_wallet create"
-    alice <## "no account for this profile"
-    alice ##> "/_wallet bind"
-    nameRows alice
-  -- the key and the binding are both in the database, so the restore is all of it
-  withTestChat ps "alice" $ \alice -> do
-    alice ##> "/_wallet"
-    rows' <- nameRows alice
-    rows' `shouldBe` rows
-    alice ##> ("/_wallet import " <> B.unpack testPhrase)
-    alice <## "bad chat command: this device already has a wallet key"
-
-testWalletBackupBeforeKey :: HasCallStack => TestParams -> IO ()
-testWalletBackupBeforeKey ps = withNewTestChat ps "alice" aliceProfile $ \alice -> do
-  alice ##> ("/_wallet import " <> B.unpack testPhrase)
-  alice <## "no account for this profile"
-  alice ##> "/_wallet bind 1"
-  aliceRows <- nameRows alice
-  alice ##> "/create user alisa"
-  showActiveUser alice "alisa"
-  alice ##> "/_wallet bind 0"
-  alisaRows <- nameRows alice
-  alice <## "also on same seed: alice"
-  forgetKey alice
-  alice ##> "/_wallet"
-  alice <## "no wallet key"
-  -- the phrase alone puts every account back, and each profile says which was its
-  alice ##> ("/_wallet import " <> B.unpack testPhrase)
-  alice <## "no account for this profile"
-  alice ##> "/_wallet bind 0"
-  alisaRows' <- nameRows alice
-  alisaRows' `shouldBe` alisaRows
-  alice ##> "/user alice"
-  showActiveUser alice "alice (Alice)"
-  alice ##> "/_wallet bind 1"
-  aliceRows' <- nameRows alice
-  alice <## "also on same seed: alisa"
-  aliceRows' `shouldBe` aliceRows
+  _ <- nameRows alice
+  pure ()
 
 testWalletImportThenRestore :: HasCallStack => TestParams -> IO ()
 testWalletImportThenRestore ps = withNewTestChat ps "alice" aliceProfile $ \alice -> do
   alice ##> ("/_wallet import " <> B.unpack testPhrase)
-  alice <## "no account for this profile"
-  -- restoring the database replaces the key with what the backup held, which is nothing
-  forgetKey alice
+  _ <- nameRows alice
+  -- restoring the database replaces the seed with what the backup held, which is nothing
+  forgetSeed alice
   alice ##> "/_wallet"
   alice <## "no wallet key"
   alice ##> ("/_wallet import " <> B.unpack testPhrase)
-  alice <## "no account for this profile"
-  alice ##> "/_wallet bind"
   rows <- nameRows alice
-  map fst rows `shouldBe` ["m/44'/60'/0'/0/0", "m/44'/60'/0'/0/1"]
-
-testWalletBindLimits :: HasCallStack => TestParams -> IO ()
-testWalletBindLimits ps = withNewTestChat ps "alice" aliceProfile $ \alice -> do
-  alice ##> ("/_wallet import " <> B.unpack testPhrase)
-  alice <## "no account for this profile"
-  alice ##> "/_wallet bind"
-  _ <- nameRows alice
-  -- a profile that has an account asks for another one by number
-  alice ##> "/_wallet bind"
-  alice <## "bad chat command: this profile already has an account"
-  alice ##> "/create user alisa"
-  showActiveUser alice "alisa"
-  alice ##> "/_wallet bind 2147483647"
-  rows <- nameRows alice
-  alice <## "also on same seed: alice"
-  map fst rows `shouldBe` ["m/44'/60'/2147483647'/0/0", "m/44'/60'/2147483647'/0/1"]
-  -- the counter is past what BIP-32 can harden, where it would repeat account 0
-  alice ##> "/create user carol"
-  showActiveUser alice "carol"
-  alice ##> "/_wallet bind"
-  alice <## "bad chat command: no free account on this key"
+  map fst rows `shouldBe` ["m/44'/60'/0'/0/1", "m/44'/60'/0'/0/2"]