Scenario is this: Person A has their own iPhone, Apple Card, and Apple Savings account, Person B also has their own iPhone, Apple Card, and Apple Savings account.
Currently both could not be simultaneously added to Simplifi even though in theory there is unique identifiers for each account, however, right now(2025-07-03) there can only be one Apple Wallet added to a Simplifi dashboard at a time.
In this same scenario Person A has a Chase checking account, Person B has a Chase checking account, and they also have a joint Chase checking account. In the Simplifi UI both Chase checking accounts not only show up as distinct, but are considered separate institutions even though really they are both Chase. This is the kind of functionality that is needed for the Apple Wallet