Hmm if not heater could be physical damage, is there anything sharp decor in there? Your water chemistry sounds fine, though even slight traces of ammonia can be toxic to frogs of course. Any bullying going on from the cohabitants of the tank?
Could be fungal related, could be bacterial infection. Could be from the environment. Sounds like you answered your own question though, you need a larger system for these frogs, fishes. I do not keep ADF but from what I know, they are quite fragile.





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