Within the Kinesis Money App, you will find both your Accounts section and your Wallet. The difference between these are as follows:
Accounts: The location in which your individual accounts are held for individual currencies
Wallet: Your wallet provides higher security and anonymity at the cost of being completely responsible for your access to the wallet (we cannot “reset” your recovery phrase).
Hardware wallet: This is outside of the app, but provides a further level of security. The CoolWallet S is an example of a hardware wallet, which is supporting Kinesis currencies.