Is it possible to make a multisig wallet without a hardware wallet?
multisig is not a function of a hardware wallet, wallets are just signing things. you can easily have multisig wallet running on bitcoin core, look at create multisig rpc call, its completely up to you where you plan to store and how you plan to interact with the keys
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Yes. In addition look into Electrum wallet project, nunchuck.io. You may try to use smartphone(s).
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Yes. Shamir Secret Sharing algorithm works on software.
Don't ask me which programs do this in practice tho
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SSS isn't multisig. There's no signatures involved.
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