Bip39 ledger https://blogfreely.net/travenmdoq/create-your-own-distinct-bip39-mnemonic-expression-with-python-scripts Although it uses BIP32 technique you can nevertheless import BIP39 seeds into Electrum wallet. Also aside from BIp32 there is BIP44 version which some wallet use with the generation of seeds. This additional complexity raises the risk of misplacing the passphrase, and ... https://cutt.ly/urYc5rW7