fix(wallet-api): only bypass derivation check on LL for ACRE flows [LIVE-15787]

[Justkant]

✅ Checklist

• npx changeset was attached.
• Covered by automatic tests. Not sure if we can test this with speculos
• Impact of the changes:
  • wallet-api ACRE flows

📝 Description

Added back the account for the connect action even with an appName present as we should still keep it
And only bypass the derivation check on LL for ACRE flows

❓ Context

• JIRA or GitHub link: LIVE-15787

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🧐 Checklist for the PR Reviewers

• The code aligns with the requirements described in the linked JIRA or GitHub issue.
• The PR description clearly documents the changes made and explains any technical trade-offs or design decisions.
• There are no undocumented trade-offs, technical debt, or maintainability issues.
• The PR has been tested thoroughly, and any potential edge cases have been considered and handled.
• Any new dependencies have been justified and documented.
• Performance considerations have been taken into account. (changes have been profiled or benchmarked if necessary)

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