Bip39 Seed Phrase. Now, at the next level we use these receiving and alter important bunch to make specific non-public keys. Use the above mentioned make personal keys and chain code and move them to the above stated purpose kchild = kpar + hash(Kpar, cpar, i) to make personal keys. https://sociallytraffic.com/story4566114/bip-39-https-linktr-ee-bip39-bip39-wallets-things-to-know-before-you-buy