web3Accounts() in extension-dapp fetches accounts in Substrate format, no matter what's selected as the display format option in the extension's settings. The API should either be updated to include address type as a param, or it should fetch whatever is selected in the settings.
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I've actually had the "surprise" as an api user, so 100% agree with this issue. I would tend to go the route of the api enhancement by adding an option to choose the addressEncodingPrefix since it's a none breaking change. Does that sound good to you @jacogr ?