backups: add SeedXOR and SpecterDIY

backups/README.md

@@ -5,6 +5,8 @@ backups where the funds cannot be recovered from any single package,
 but can be recovered with the combination of any two.  
 Can be thought of as a physical 2-of-3 multisig solution.
 
+## [SeedXOR](seedxor.md)
+## [SpecterDIY](specterdiy.md)
 ## [ColdCard](coldcard.md)
 ## [JoinMarket](joinmarket.md)
 ## [LND](lnd.md)

backups/coldcard.md

@@ -11,9 +11,11 @@ The ColdCards should be stored uninitialized, best to be freshly acquired in the
 ---
 ### Components grouped together by the requirement for a full restore
 #### Full backup 1
+* any BIP39 compatible wallet
 * Seed mnemonic (12/18/24 words)
 * Passphrase
 #### Full backup 2
+* ColdCard
 * Backupfile (.7z archive on the SD)
 * Backup password (12 words)
 * Passphrase
@@ -25,10 +27,12 @@ The ColdCards should be stored uninitialized, best to be freshly acquired in the
 - Backup password (12 words)
 - Backupfile (.7z archive on the SD)
 
-#### Location 2 
+#### Location 2
+- ColdCard
 - Passphrase (BIP39)
 - Backupfile (.7z archive on the SD)
 
 #### Location 3
+- ColdCard
 - Passphrase (BIP39)
 - Backup password (12 words)

backups/lnd.md

@@ -13,6 +13,7 @@ Notes on LND seed format (different from Bip39 or Electrum): <https://github.com
 #### Full backup 2 
 * LND folder with the !!**latest**!! state (wallet.db + channel.db) 
   * requires to have physical (screen and keyboard) or remote SSH access to the node (can be a Tor Hidden Service address for the port 22)
+  * if the latest channel.db is not available restoring the channel.backup is safer
 * Wallet Unlock Password 
   * include logins and/or the SSH password to allow access to the node
 

backups/seedxor.md

@@ -0,0 +1,29 @@
+## SeedXOR multi-location backup scheme
+Full documentation: [seedxor.com/](https://seedxor.com/)
+
+Existig seeds can be broken up with seedXOR or can be used as components of a new a scheme.
+If there was a BIP39 passphase used keep a copy of the passphrase on every location.
+
+Currently the scheme can be used on a [ColdCard](https://github.com/Coldcard/firmware/blob/master/docs/seed-xor.md) and is planned to be implemented in [SeedSigner](https://github.com/SeedSigner/seedsigner/issues/43).
+The seed can also be calculated manually so the ColdCard is not strictly necessary for recovery
+
+---
+### Components required for a full restore
+* Coldcard or manual calculation + any BIP32 compatible wallet
+* Seed1
+* Seed2
+* Seed3
+
+---
+### Packages for a 2-of-3 setup
+#### Location 1
+* Seed1
+* Seed2
+
+#### Location 2 
+* Seed2
+* Seed3
+
+#### Location 3
+* Seed1
+* Seed3

backups/specterdiy.md

@@ -0,0 +1,33 @@
+## SpecterDIY single seed multi-location backup scheme
+
+The smartcard reader is part of the Specter Shield ([out of stock currently](https://specter.solutions/shop/)) or can be used as a USB extension.
+
+Do not encrypt the secret on the smartcard to be able to restore in any other SpecterDIY device.
+Use a long PIN for the smartcard. 8 or more digits are recommended.
+
+---
+### Components grouped together by the requirement for a full restore
+#### Full backup 1
+* SpecterDIY hardware wallet with a smartcard reader
+* Smartcard with the secret stored
+* Smartcard PIN
+* BIP39 passphrase
+#### Full backup 2
+* Any BIP39 compatible wallet
+* Seed mnemonic (12/24 words)
+* BIP39 passphrase
+
+---
+### Packages for a 2-of-3 setup
+#### Location 1
+* SpecterDIY hardware wallet with a smartcard reader
+* Smartcard with the secret stored
+* BIP39 passphrase
+
+#### Location 2 
+* SpecterDIY hardware wallet with a smartcard reader
+* Smartcard PIN
+* BIP39 passphrase
+  
+#### Location 3
+* Seed mnemonic (12/24 words)