Bip39 java https://list.ly/i/11078004 The last stage of BIP-39 is creating the actual binary seed which can be then utilised as being a learn vital in BIP-32 deterministic wallet or using other solutions. For words that have only 3 letters, there isn't a 4th letter. For instance with the word “insert”, https://agendabookmarks.com/story20746392/bip39-c-bip39-passphrase-generator-options-https-linktr-ee-bip39