It's actually a design to allow developers to build their own open source wallet. I made that mistake myself during the first read:
A reference design is a complete design for a bitcoin product. It goes beyond just demonstrating individual user flows – rather, it shows you how all of the user flows fit together and serve a purpose in the user’s life. You can use this open-source reference design to help you build your own similar bitcoin product!
Oh my bad, I should have read it correctly. Thanks for correcting me.
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That's only because @saunter corrected me!
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I just read that comment. Thanks @saunter
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