Creates a new 2-of-3 multisignature wallet along with all three required keychains in a single operation. This is a convenience method that handles the entire wallet setup process.

WARNING: BE SURE TO BACKUP! NOT DOING SO CAN RESULT IN LOSS OF FUNDS!

Workflow:

1. Creates the user keychain locally and encrypts it with the provided passphrase
2. Handles backup keychain based on parameters (see Backup Keychain Strategies below)
3. Uploads the encrypted user keychain and backup keychain xpub to BitGo
4. Creates the BitGo-managed keychain on the service
5. Creates the 2-of-3 multisig wallet on BitGo with all three public keys

Backup Keychain Strategies:

• KRS Provider (Recommended): Set backupXpubProvider to use a Key Recovery Service (e.g., "keyternal")
• Creates instant-capable wallets
• Professional key management
• Cannot be combined with backupXpub
• External Xpub (Recommended): Provide backupXpub generated on a separate, secure machine
• Maximum security (keys never on same machine)
• You control the backup key
• Cannot be combined with backupXpubProvider
• Local Generation (NOT RECOMMENDED): If neither backupXpub nor backupXpubProvider provided
• Creates backup key on same machine as user key (security risk)
• Response includes warning message and unencrypted backup xprv
• You MUST back up the backup keychain yourself

Response: Returns wallet object and all three keychains. If backup keychain was created locally, response includes warning message and the backup keychain will contain xprv (which you must securely back up). Otherwise, backup keychain only contains xpub.