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+<pre>
+  DIP: aj-wallet-id
+  Title: Wallet, XPub, & HD Key IDs
+  Authors: coolaj86
+  Special-Thanks: Rion Gull
+  Comments-Summary: No comments yet.
+  Status: Draft
+  Type: Standard
+  Created: 2023-07-14
+  License: CC0-1.0
+</pre>
+
+## Table of Contents
+
+- [Table of Contents](#table-of-contents)
+- [Abstract](#abstract)
+- [Prior Art](#prior-art)
+- [Motivation](#motivation)
+- [Specification](#specification)
+  - [Example](#example)
+  - [Pseudocode](#pseudocode)
+- [Copyright](#copyright)
+
+## Abstract
+
+In a single-wallet application an HD Path (`m/44'/5'/0'`) is sufficient for
+identifying an account/contact, or address/private key.
+
+However, in multi-Wallet and multi-XPub systems (using multiple Wallet Phrases
+or XPubs from multiple contacts) there must be deterministic IDs to associate
+the Wallet or XPub to which the HD Path should be applied.
+
+keywords: \
+ hdpath, HD Path, recovery phrase, wallet phrase, seed, \
+ XPub, X Pub, XPrv, X Prv, HDKey, HD Key, XKey, X Key
+
+## Prior Art
+
+- [Key Identifiers of Hierarchical Deterministic Wallets](https://github.com/bitcoin/bips/blob/master/bip-0032.mediawiki#key-identifiers)
+- [Mnemonic code for generating deterministic keys](https://github.com/bitcoin/bips/blob/master/bip-0039.mediawiki)
+- [Multi-Account Hierarchy for Deterministic Wallets](https://github.com/bitcoin/bips/blob/master/bip-0044.mediawiki)
+- [Base 64 Encoding with URL and Filename Safe Alphabet](https://datatracker.ietf.org/doc/html/rfc4648#section-5)
+- [Crockford Base32](https://www.crockford.com/base32.html)
+- [Base 16 Encoding](https://datatracker.ietf.org/doc/html/rfc3548#section-6)
+
+## Motivation
+
+Dash Incubator is working on multiple user- and merchant-focused projects where
+multiple wallets may need to be cached offline locally and synchronized online.
+
+Similarly, as mentioned in
+[Hierarchical Deterministic Wallets: Key Identifiers](https://github.com/bitcoin/bips/blob/master/bip-0032.mediawiki#key-identifiers),
+the 32-bit "Key Identifiers" are prone to collusion and, as such, are not
+suitable for these types of applications. \
+(also, RIPEMD160 has been found weak and removed from - or never added to - popular
+crypto libraries such as `WebCrypto` and `libssl3`)
+
+As such, we need a deterministic, conflict-free Wallet and XPub identifiers to
+use pairwise with HD Paths in order to unambiguously identify contacts and
+payment addresses.
+
+## Specification
+
+The Wallet ID is a 64-bit integer derived from the SHA-256 hash of the Wallet
+Phrase's HD Seed Key (depth-0, level `m`).
+
+This format maintain uniqueness while also providing space- and
+compute-efficient compatibility and embedability with wide variety of indexes
+and databases.
+
+The ID is NOT suitable as cryptographically secure input for derivation or
+encryption.
+
+### For Wallets
+
+1. Produce the `seed` bytes from the Wallet Phrase as per
+   [Mnemonic code for generating deterministic keys](https://github.com/bitcoin/bips/blob/master/bip-0039.mediawiki)
+2. Produce the depth-0 (level `m`) HD Key from the wallet seed.
+3. Continue with "For HD Keys"
+
+### For XPubs (& XPrvs)
+
+1. Decode the raw HD Key bytes from the `XPub` (or `XPrv`) `base58check` string
+2. Continue with "For HD Keys"
+
+### For HD Keys
+
+1. Take the SHA-256 hash of the `XPub` bytes as per
+   [Serialization Format](https://github.com/bitcoin/bips/blob/master/bip-0032.mediawiki#serialization-format)
+2. The ID is a slice of the first 8 bytes (64 bits) of the hash.
+3. Continue with "Canonical & Acceptable Encodings"
+
+### Canonical & Acceptable Encodings
+
+- The canonical encoding of the ID is URL-safe Base64.
+- The following encodings are acceptable for use-case specific formatting:
+  - Int64 (Big-Endian bytes)
+  - Crockford Base32
+  - Hexadecimal
+
+### Example Wallet
+
+Wallet Phrase:
+
+```text
+zoo zoo zoo zoo zoo zoo zoo zoo zoo zoo zoo wrong
+```
+
+Wallet Salt:
+
+```text
+TREZOR
+```
+
+Wallet Seed: \
+(newlines added for readability)
+
+```text
+ac27495480225222079d7be181583751
+e86f571027b0497b5b5d11218e0a8a13
+332572917f0f8e5a589620c6f15b11c6
+1dee327651a14c34e18231052e48c069
+```
+
+Wallet Seed Hash:
+
+```text
+2a389a901f9b9f726a32740b4954969c
+97e677c144564522339f0ce80f2f0428
+```
+
+Wallet ID:
+
+```text
+64-Bit Int:  7387163383112745200n
+Hex:         668479f5443540f0
+CB32:        CT27KXA46N0F0
+Base64Url:   ZoR59UQ1QPA
+```
+
+### Example HD Key
+
+Wallet `ZoR59UQ1QPA @ m/44'/5'/0'/0`
+
+```text
+XPrv: xprvA2L7qar7dyJNhxnE47gK5J6cc1oEHQuAk8WrZLnLeHTtnkeyP4w6E
+          o6Tt65trtdkTRtx8opazGnLbpWrkhzNaL6ZsgG3sQmc2yS8AxoMjfZ
+
+XPub: xpub6FKUF6P1ULrfvSrhA9DKSS3MA3digsd27MSTMjBxCczsfYz7vcFLn
+          bQwjP9CsAfEJsnD4UwtbU43iZaibv4vnzQNZmQAVcufN4r3pva8kTz
+```
+
+XPub ID (HD Key ID):
+
+```text
+64-Bit Int:  13572668744561724463
+Hex:         bc5bce4fe5a60c2f
+CB32:        QHDWWKZ5MR62Y
+Base64Url:   vFvOT-WmDC8
+```
+
+### Pseudocode
+
+- `walletToId`
+- `xkeyToId`
+- `bytesToId`
+
+```js
+/**
+ * Convert Wallet Phrase to Seed Bytes and print IDs
+ */
+async function walletToId(phrase, salt) {
+  let seedBytes = await DashPhrase.toSeed(phrase, salt);
+
+  let hdkey = await DashHd.fromSeed(seedBytes);
+  let xpubBytes = await DashHd.toXPubBytes(hdkey);
+
+  await bytesToId(seedBytes);
+}
+
+/**
+ * Convert XPrv or XPub (XKey) to XPub Bytes and print IDs
+ */
+async function xkeyToId(xkey) {
+  let hdkey = await DashHd.fromXKey(xkey);
+  let xpubBytes = await DashHd.toXPubBytes(hdkey);
+
+  await bytesToId(xpubBytes);
+}
+
+async function bytesToId(bytes) {
+  let hashBuffer = await crypto.subtle.digest("SHA-256", bytes);
+
+  let idBuffer = hashBuffer.slice(0, 8);
+  let idBytes = new Uint8Array(idBuffer);
+
+  let id = bytesToBase64Url(idBytes);
+  let idBase32Crock = base32crockford.encode(idBytes);
+  let idHex = bytesToHex(idBytes);
+  let idInt64 = BigInt(`0x${idHex}`);
+
+  console.log(id);
+  console.log(idBase32Crock);
+  console.log(idHex);
+  console.log(idInt64);
+}
+```
+
+```js
+let phrase = "zoo zoo zoo zoo zoo zoo zoo zoo zoo zoo zoo wrong";
+let salt = "TREZOR";
+
+walletToId(phrase, salt);
+```
+
+```js
+// XPub @ m/44'/5'/0'/0 of the "Zoomonic" Wallet above
+let xpub =
+  "xpub6FKUF6P1ULrfvSrhA9DKSS3MA3digsd27MSTMjBxCczsfYz7vcFLnbQwjP9CsAfEJsnD4UwtbU43iZaibv4vnzQNZmQAVcufN4r3pva8kTz";
+
+xkeyToId(xpub);
+```
+
+## Copyright
+
+Copyright 2023 AJ ONeal.
+
+DIP to Secure Transactions - Patch Data Leak Vulnerability via Deterministic
+Index Ordering
+
+Written in 2023 by AJ ONeal <coolaj86@proton.me> \
+To the extent possible under law, the author(s) have dedicated all copyright \
+and related and neighboring rights to this software to the public domain \
+worldwide. This software is distributed without any warranty. \
+
+You should have received a copy of the CC0 Public Domain Dedication along with \
+this software. If not, see <https://creativecommons.org/publicdomain/zero/1.0/>.