Dfinance protocol uses Bech32 address format. Bech32 encoding provides robust integrity checks on data and the human readable part (HRP) provides contextual hints that can assist UI developers with providing informative error messages.

  • Human readable part is called a prefix and in the case of dfinance it's wallet.

  • Default HDPath for dfinance addresses is 44'/118'/0'/0/0.

wallet173pur9yxzauc7pccwwpk7whnf30czvf53wkcyn # Example of dfinance address, contains prefix 'wallet', then '1' and address bytes.

Use secp256k1 algorithm to generate public and private keys, then use Bech32 to create addresses.

Mnemonic based keys supported by bip39 and bip32 implementations.

Example in Golang:

package main

import (

    sdk ""

func main() {
    // Configure Cosmos SDK.
    prefix := "wallet"
    config := sdk.GetConfig()
    config.SetBech32PrefixForAccount(prefix, prefix + sdk.PrefixPublic)

    // Generate new address from new private key.
    privKey := secp256k1.GenPrivKey()
    pubKey  := privKey.PubKey()
    addr    := sdk.AccAddress(pubKey.Address())

    fmt.Printf("Private key: %s\nPublic key: %s\nAddress: %s\n", hex.EncodeToString(privKey[:]), hex.EncodeToString(pubKey.Bytes()), addr)

    // Generate address from new mnemonic.
    entropy, err := bip39.NewEntropy(256)
    if err != nil {

    passphrase := "12345678" // Replace with your passphrase.
    hdPath := "44'/118'/0'/0/0"
    mnemonic, err := bip39.NewMnemonic(entropy)
    if err != nil {

    fmt.Printf("\nNew generated mnemonic is: %s\n", mnemonic)

    seed, err := bip39.NewSeedWithErrorChecking(mnemonic, passphrase)
    if err != nil {

    masterPrivKey, ch := hd.ComputeMastersFromSeed(seed)

    // If hdPath is empty, just use masterPrivKey[:], don't need to derive.
    derivedPrivKey, err := hd.DerivePrivateKeyForPath(masterPrivKey, ch, hdPath)
    if err != nil {

    derivedPubKey := secp256k1.PrivKeySecp256k1(derivedPrivKey).PubKey()
    derivedAddr   := sdk.AccAddress(derivedPubKey.Address())

    fmt.Printf("Private key: %s\nPublic key: %s\nAddress: %s\n", hex.EncodeToString(derivedPrivKey[:]), hex.EncodeToString(derivedPubKey.Bytes()), derivedAddr)

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