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The newest/last active keychain is the default. Almost all of this class only works on the default active keychain. All other active keychains are meant as fallback for if a sender doesn't understand a certain new script type. New P2WPKH KeyChainGroups are created with a P2PKH fallback chain. This will likely go away in future as P2WPKH and Bech32 are becoming the norm.