Oops. Sorry @jbn. I'd forgotten we'd had this conversation before.

I was referring to the "wallets" on this page which I got from notes I'd written previously - https://smartcash.cc/get-smartcash/

Looking at it again this morning and at your comment I think I'm getting wallets and exchanges mixed up. This is why it's all a bit advanced for me. I haven't even got the basics down yet.

I'm going to go through it all again later, when I've replied to comments etc.