Given a hdseed or wallet seed phrase how is it determined if the wallet contains any bitcoin?

Given a seed or seed phrase all the different possible key pairs can be determined if BIP 32 is implemented. Understanding is a single wallet / hd seed can create an unlimited amount of keypairs.

BIP44 proposes a address gap:

If the software hits 20 unused addresses in a row, it expects there are no used addresses beyond this point and stops searching the address chain

What is the common process for checking if the given wallet contains any bitcoin? Would all the possible addresses need to be checked?



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