Bip39 compatible wallet https://jsbin.com/titaniseko BIP85: A more recent proposal making it possible for the deterministic derivation of several BIP39 mnemonic seeds from a learn seed. For words that only have 3 letters, there is no 4th letter. As an example While using the word “insert”, there isn't any additional letters https://bookmarkloves.com/story23174908/bip39-vs-bip84-bip39-compatible-wallet-options-https-www-youtube-com-channel-ucupxfytj0fb78sq55hu6ocw