Bip39 Checksum. BIP32 and BIP44 do the job together so as to add versatility, privacy, and interoperability to HD Wallets. HD Wallets extend the abilities of deterministic wallets, allowing for the administration of a large variety of keys, all of that happen to be derived from the initial BIP39 mnemonic https://bookmarkusers.com/story18810986/bip39-wallets-https-linktr-ee-bip39-the-fact-about-bip-39-that-no-one-is-suggesting