BIP39-XOR
Encrypt or decrypt 12, 15, 18, 21 or 24 BIP39 codewords array ("seed")
Encrypt or decrypt 12, 15, 18, 21 or 24 BIP39 codewords array (so-called "seed phrase") using exclusive OR (XOR)/Vernam cipher (a.k.a. One Time Pad). If not input by a user, an encryption key is automatically generated at random. Encryption with such a key preserves integrity of BIP-39 checksums of all keys (that's distinct while also compatible with SeedXOR implementation).