Bip39 Checksum. Now, at the following level we use these receiving and change crucial bunch to create personal private keys. Use the above mentioned deliver private keys and chain code and move them to the above pointed out operate kchild = kpar + hash(Kpar, cpar, i) to deliver personal keys. https://myfirstbookmark.com/story18773208/bip39-list-https-linktr-ee-bip39-bip39-wallets-things-to-know-before-you-buy