Bip39 Checksum. BIP32 and BIP44 operate jointly so as to add flexibility, privacy, and interoperability to HD Wallets. HD Wallets lengthen the capabilities of deterministic wallets, enabling to the administration of a massive amount of keys, all of which might be derived from the initial BIP39 mnemonic sentence (seed phrase). https://socialtechnet.com/story4993040/bip39-generator-https-linktr-ee-bip39-a-review-of-bip39-word-list-pdf