Bip39 Seed Phrase. Now, at the next stage we use these receiving and change vital bunch to create unique personal keys. Use the above mentioned produce personal keys and chain code and go them to the above stated operate kchild = kpar + hash(Kpar, cpar, i) to create personal keys. https://thesocialroi.com/story8493568/bip39-wallets-https-linktr-ee-bip39-the-best-side-of-bip39