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The phone is gone. The vault is not.

The moment

What actually happened.

The phone did the encrypting, but it never became the vault. Your secrets were written to the cards; the app is the instrument, not the store.

So the loss is a hardware loss. Buy or borrow another phone, install MI8OS, hold a card to the back of it and enter your password. The vault opens as before.

Nothing was waiting in an account to be recovered, which is exactly why nothing needs to be.

The same afternoon, two arrangements.

Who has your data

Vault in an account
Whoever can complete account recovery, including someone with your phone number.
Vault on cards
Whoever physically holds a card and knows your password.

Getting back in

Vault in an account
Reset flows, support queues, identity checks.
Vault on cards
Any phone, a card, your password.

If the phone is unlocked

Vault in an account
The app may already be signed in.
Vault on cards
There is no vault on the phone to open.

What you must do next

Vault in an account
Change the account password, revoke sessions, hope.
Vault on cards
Nothing urgent. The cards never left your drawer.

Lose the tool.
Keep the vault.