Use same functions for regular and keycard accounts

[yenda]

Problem

We already had multiple bugs caused by the fact that keycard uses the same functions as a regular accounts but duplicated and with simple changes. Sometimes the regular account functions have been updated and the keycard ones have been forgotten.

We should use the same functions with some basic conditions, in order to achieve that one solution would be to pass a struct as one of the arguments which would contain the chat HexKey for keycard so that we can branch on it.