Bip39 Checksum. Now, at the following amount we use these receiving and change key bunch to create unique personal keys. Use the above mentioned create personal keys and chain code and pass them to the above mentioned stated operate kchild = kpar + hash(Kpar, cpar, i) to make unique keys. https://bookmarkunit.com/story18550227/ian-coleman-bip39-https-linktr-ee-bip39-how-much-you-need-to-expect-you-ll-pay-for-a-good-bip39-wallets