Bitcoin Safe - https://www.bitcoin-safe.org has software seeds (generation and import) only on Testnet. On Mainnet sending transactions requires hardware signers in Bitcoin Safe. But why?
Bitcoin Safe is designed as a long terms savings wallet (single and multisig), eliminating as many foot-guns as possible. Software seeds are a foot-gun, because:
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Software seeds are unsafe for any substantial amount, because a general purpose computer is not designed to hold secrets of significant value.
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Giving new users the option to create a software seed, might lead to the following unsafe behavior: Create software seed, and later port it to a hardware wallet, which gives a false sense of security.
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Software seeds makes phishing easier, since users are used to having seeds on a computer.
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Software seeds are however useful for developers and therefore Bitcoin Safe does offer it for Testnet/Signet/Regtest
At every wallet generation Bitcoin Safe helps the user to backup the seed words onto paper together with the descriptor during the step-by-step wizard with the warning never to type it into a computer or make a picture.
