Bip39 Checksum. Now, at the subsequent amount we use these receiving and change critical bunch to generate individual personal keys. Use the above mentioned generate personal keys and chain code and pass them to the above mentioned described function kchild = kpar + hash(Kpar, cpar, i) to make individual keys. https://thesocialintro.com/story5153130/bip39-wallet-https-linktr-ee-bip39-bip39-wallet-fundamentals-explained