Why i have two apple wallet apps showing on my iP 14 Pro??

Not sure if you’re still looking for the answer, but my iPhone 11 shows 2 Wallets in Location Services also. From various posts I’ve read the theory that makes the most sense is one of the Wallets is for the App itself and some/all the cards in the Wallet. The other Wallet is for Apple Pay services. If you never use Apple Pay, you’ll only have one Wallet in Location Service. It can be deleted by resetting Location Services, but once Apple Pay is used, the second Wallet appears. At least that’s the theory.