Crypto payment structure with 5 layers.22.10.26

1. Seed (the wallet itself)
12/24 BIP39 words → one master secret. From it, every key is derived deterministically (BIP32). That's why the same words restore the same addresses on any compatible software.
2. Device (the vault)
Ledger/Trezor stores the seed in a secure element, unlocks with a PIN, and signs only what it displays. It exports public keys (xpub/addresses) to the host, never private ones.
3. Derivation (address space)
Fixed paths pick the account and coin: BTC m/84'/0'/0'/0/i, ETH m/44'/60'/0'/0/i. Host software uses these to generate receive addresses.
4. Host software (Debian)
- Ledger Live / Trezor Suite — GUI/AppImage: balances, send/receive, firmware.
- cast / hwi — CLI: build transactions, sign via device, broadcast.
- Bitcoin Core — optional full node: your own copy of the chain, watch-only wallet, PSBTs.
5. Chain (the ledger)
The actual balances live on-chain. Broadcast goes through your node or a public RPC; the transaction is confirmed by the network.
Mechanism of one payment:
1. Host builds a transaction and computes the fee.
2. Device receives it, shows recipient + amount, you confirm on the device screen.
3. Device signs with the private key (never leaves it).
4. Host broadcasts the signed transaction.
5. Chain confirms; balance updates.
On Debian concretely:
- Minimal install, full-disk encryption, no browser on the signing account.
- udev rules + plugdev so the device is reachable without root.
- Vendor software from official sources (verified hash), cast for EVM, hwi for Bitcoin.
- Optional Bitcoin Core, pruned, as your own broadcaster.
- Seed on paper/steel, never in a file, shell history, or password manager.

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Crypto payment structure with 5 layers.22.10.26

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