To test Portfolio Builder:
Note that we have a new version of BBPExtensions, so after this newest upgrade, click on Extensions.
From that list of Apps, click Portfolio Builder.
The new wallet creates a few new keys:
ASSET-XLM
ASSET-XRP
ASSET-BBP
These are intended to be Portfolio Builder private keys (they never leave the machine and are private to your BBP core wallet).
The idea is when you send assets into these keys, they will be countable by Portfolio Builder (which gives you the ability to earn APR% annual rewards from the PB feature). The rewards come in the form of Staked Block BBP rewards, which are not enabled yet).
So the way multi wallet works is when you launch PB, the BBP core wallet encrypts these 3 keys and sends them to the multiwallet. Note the multiwallet runs on your machine in C#, so the keys are never exposed to the outside world.
However, with these 3 keys you can now send and receive XRP/XLM/DOGE from the multiwallet.
The code in the multiwallet is smart enough to create a Stellar or Ripple account if one does not exist. So this only comes into play if you are sending Stellar from a BBP Stellar wallet to another BBP stellar wallet (we detect that and call the stellar c# code to create the new account). If you fund Stellar from another stellar account they automatically create the account for you.
For Ripple, the XRP network will create an account for you if you fund the wallet with more than 20 XRP into your BBP Ripple wallet. That is their network minimum (not ours). Be careful if you plan on using Ripple, to send it more than 20 XRP to the address so that you don't lose the usability of the address.
In Phase 2, I will add the ability to see the APR% and you assessed staking level, and also to receive the extra rewards.