Hello people, I am interested in the significant differences that you have found between these two applications.

I have googled it, but the best audience to answer are the people in this forum.

1. I have a multisig vault, which I would like to be able to "monitor" using the cosigners xpubs.
2. I have a cold storage wallet, which I would also like to monitor as "watch-only"
3. I have a hot wallet, created using BlueWallet.

I know I can do all 3 in both of them. But are there differences in features etc, that you have spotted?

Example: I think, and I may be mistaken, that Electrum doesn't use BIP39 seed phrases, am I wrong?