Wallet
Owner ID
The owner ID identifiers a user as a unique identifier. On twitter, this is your user ID. It is constrained to 32 bytes.
Namespace
A namespace is used to identify a command as belonging to a specific source/environment. Without the namespace, there could be collisions in the ownerId. By making wallets uniquely registered to a specific namespace, a user can have multiple wallets. For example, the Twitter source has the identifier "X".
Wallet Index
This allows for an Owner ID on a specific namespace to have multiple wallets. By default, this is assumed to be index 0 and is an optional argument.
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