The mnemonic command: child mnemonics (closes #4)

keyfunc mnemonic derives a 12, 18 or 24 word child mnemonic through BIP-85's own mnemonic application, with the specification's test vectors as tests. One review round, passed with no findings; the reviewer reproduced the vectors from an implementation written from the specification alone.

Model: opus-5 (implementation and review); fable-5-1 (landing)

internal/derive/derive.go

@@ -35,24 +35,47 @@ func Path(application, index uint32) string {
 	return fmt.Sprintf("m/%d'/%d'/%d'", purpose, application, index)
 }
 
+// CheckIndex refuses a key index above MaxIndex, so that every key
+// type turns such an index down before deriving anything.
+func CheckIndex(index uint32) error {
+	if index > MaxIndex {
+		return fmt.Errorf(
+			"%w: %d is above %d",
+			ErrIndexTooLarge, index, MaxIndex,
+		)
+	}
+
+	return nil
+}
+
+// Master returns the BIP-32 master key a mnemonic stands for: the
+// mnemonic becomes a seed with an empty passphrase, and the seed
+// becomes the key.
+func Master(words string) (*hdkeychain.ExtendedKey, error) {
+	seed := bip39.NewSeed(words, "")
+
+	master, err := hdkeychain.NewMaster(seed, &chaincfg.MainNetParams)
+	if err != nil {
+		return nil, fmt.Errorf("making the master key: %w", err)
+	}
+
+	return master, nil
+}
+
 // Bytes returns the bytes for an application number and a key index.
 // The mnemonic becomes a seed with an empty passphrase, the seed
 // becomes a master key, the master key gives BIP-85 entropy at the
 // path, and the entropy seeds the generator the bytes are read from.
 // An index above MaxIndex is refused before any of that happens.
 func Bytes(words string, application, index uint32) ([]byte, error) {
-	if index > MaxIndex {
-		return nil, fmt.Errorf(
-			"%w: %d is above %d",
-			ErrIndexTooLarge, index, MaxIndex,
-		)
+	err := CheckIndex(index)
+	if err != nil {
+		return nil, err
 	}
 
-	seed := bip39.NewSeed(words, "")
-
-	master, err := hdkeychain.NewMaster(seed, &chaincfg.MainNetParams)
+	master, err := Master(words)
 	if err != nil {
-		return nil, fmt.Errorf("making the master key: %w", err)
+		return nil, err
 	}
 
 	entropy, err := bip85.DeriveBIP85Entropy(master, Path(application, index))