Bip39 Wallet. Now, at the next level we use these acquiring and change key bunch to create personal personal keys. Use the above make non-public keys and chain code and move them to the above mentioned pointed out purpose kchild = kpar + hash(Kpar, cpar, i) to create personal keys. https://bookmarksknot.com/story21509323/bip-39-https-linktr-ee-bip39-bip39-generator-an-overview