diff --git a/src/Core/Crypto/Bip39.cs b/src/Core/Crypto/Bip39.cs
new file mode 100644
index 0000000..d20b62f
--- /dev/null
+++ b/src/Core/Crypto/Bip39.cs
@@ -0,0 +1,106 @@
+using NBitcoin;
+
+namespace PalladiumWallet.Core.Crypto;
+
+/// <summary>
+/// Lingue wordlist BIP39 supportate (blueprint §4.1). Le liste sono incorporate
+/// in NBitcoin: nessun accesso a rete o filesystem.
+/// </summary>
+public enum MnemonicLanguage
+{
+    English,
+    Spanish,
+    Japanese,
+    PortugueseBrazil,
+    ChineseSimplified,
+    ChineseTraditional,
+    French,
+    Czech,
+}
+
+/// <summary>Numero di parole supportato in creazione (blueprint §4.1: 12 o 24).</summary>
+public enum MnemonicLength
+{
+    Twelve = 12,
+    TwentyFour = 24,
+}
+
+/// <summary>
+/// Facciata BIP39 su NBitcoin.Mnemonic (blueprint §4.1). NBitcoin copre già
+/// entropia→parole, checksum, normalizzazione NFKD e PBKDF2-HMAC-SHA512 a 2048
+/// round con salt "mnemonic"+passphrase: qui si restringe l'API ai casi del
+/// blueprint e si centralizza la mappa delle lingue. Quando arriverà il seed
+/// nativo versionato (§4.1 punto 1), il riconoscimento multi-schema sarà una
+/// catena di TryParse per schema.
+/// </summary>
+public static class Bip39
+{
+    /// <summary>Genera una nuova mnemonica con entropia dal CSPRNG di sistema.</summary>
+    public static Mnemonic Generate(MnemonicLength length, MnemonicLanguage language = MnemonicLanguage.English)
+    {
+        var wordCount = length == MnemonicLength.Twelve ? WordCount.Twelve : WordCount.TwentyFour;
+        return new Mnemonic(ToWordlist(language), wordCount);
+    }
+
+    /// <summary>
+    /// Riconosce e valida una mnemonica BIP39: numero di parole, appartenenza alla
+    /// wordlist e checksum. Se <paramref name="language"/> è indicata viene provata
+    /// per prima; altrimenti la lingua è auto-rilevata (parole condivise tra liste
+    /// possono rendere ambiguo l'autodetect: in import l'utente può forzarla).
+    /// </summary>
+    public static bool TryParse(string text, out Mnemonic? mnemonic, MnemonicLanguage? language = null)
+    {
+        mnemonic = null;
+        if (string.IsNullOrWhiteSpace(text))
+            return false;
+
+        // Solo trim esterno: la normalizzazione NFKD e lo spazio ideografico
+        // giapponese li gestisce NBitcoin, il testo non va alterato (§4.1).
+        text = text.Trim();
+
+        IEnumerable<Wordlist> candidates = language is not null
+            ? [ToWordlist(language.Value)]
+            : [Wordlist.AutoDetect(text)];
+
+        foreach (var wordlist in candidates)
+        {
+            try
+            {
+                var parsed = new Mnemonic(text, wordlist);
+                // Il costruttore NON verifica il checksum: controllo esplicito obbligatorio.
+                if (parsed.IsValidChecksum && parsed.Words.Length is 12 or 15 or 18 or 21 or 24)
+                {
+                    mnemonic = parsed;
+                    return true;
+                }
+            }
+            catch (FormatException)
+            {
+                // Parole fuori wordlist o conteggio non valido: si prova oltre.
+            }
+        }
+
+        return false;
+    }
+
+    /// <summary>
+    /// Mnemonica → seed di 64 byte (PBKDF2-HMAC-SHA512, 2048 round, salt
+    /// "mnemonic"+passphrase). La passphrase cambia completamente il wallet
+    /// derivato: avvisi UI obbligatori (§4.1).
+    /// </summary>
+    public static byte[] ToSeed(Mnemonic mnemonic, string? passphrase = null) =>
+        mnemonic.DeriveSeed(passphrase);
+
+    internal static Wordlist ToWordlist(MnemonicLanguage language) => language switch
+    {
+        MnemonicLanguage.English => Wordlist.English,
+        MnemonicLanguage.Spanish => Wordlist.Spanish,
+        MnemonicLanguage.Japanese => Wordlist.Japanese,
+        MnemonicLanguage.PortugueseBrazil => Wordlist.PortugueseBrazil,
+        MnemonicLanguage.ChineseSimplified => Wordlist.ChineseSimplified,
+        MnemonicLanguage.ChineseTraditional => Wordlist.ChineseTraditional,
+        MnemonicLanguage.French => Wordlist.French,
+        MnemonicLanguage.Czech => Wordlist.Czech,
+        _ => throw new ArgumentOutOfRangeException(nameof(language)),
+    };
+}
diff --git a/src/Core/Crypto/DerivationPaths.cs b/src/Core/Crypto/DerivationPaths.cs
new file mode 100644
index 0000000..40731bb
--- /dev/null
+++ b/src/Core/Crypto/DerivationPaths.cs
@@ -0,0 +1,89 @@
+using NBitcoin;
+using PalladiumWallet.Core.Chain;
+
+namespace PalladiumWallet.Core.Crypto;
+
+/// <summary>
+/// Costruzione dei derivation path BIP44/49/84 (blueprint §4.2) e mappatura
+/// ScriptKind → purpose / ScriptPubKeyType. I purpose sono costanti di protocollo
+/// BIP (chain-independent); il coin_type viene sempre dal ChainProfile.
+/// </summary>
+public static class DerivationPaths
+{
+    /// <summary>Purpose BIP44 (P2PKH legacy).</summary>
+    public const int PurposeLegacy = 44;
+
+    /// <summary>Purpose BIP49 (P2SH-P2WPKH).</summary>
+    public const int PurposeWrappedSegwit = 49;
+
+    /// <summary>Purpose BIP84 (P2WPKH nativo).</summary>
+    public const int PurposeNativeSegwit = 84;
+
+    /// <summary>Purpose BIP48 (multisig — fase successiva, §16 passo 8).</summary>
+    public const int PurposeMultisig = 48;
+
+    public static int PurposeFor(ScriptKind kind) => kind switch
+    {
+        ScriptKind.Legacy => PurposeLegacy,
+        ScriptKind.WrappedSegwit => PurposeWrappedSegwit,
+        ScriptKind.NativeSegwit => PurposeNativeSegwit,
+        ScriptKind.WrappedSegwitMultisig or ScriptKind.NativeSegwitMultisig => PurposeMultisig,
+        _ => throw new ArgumentOutOfRangeException(nameof(kind)),
+    };
+
+    /// <summary>
+    /// Tipo di scriptPubKey NBitcoin per la derivazione da pubkey singola.
+    /// I tipi multisig derivano da redeem script, non da una pubkey: arriveranno
+    /// con i wallet M-di-N (§4.5).
+    /// </summary>
+    public static ScriptPubKeyType ScriptPubKeyTypeFor(ScriptKind kind) => kind switch
+    {
+        ScriptKind.Legacy => ScriptPubKeyType.Legacy,
+        ScriptKind.WrappedSegwit => ScriptPubKeyType.SegwitP2SH,
+        ScriptKind.NativeSegwit => ScriptPubKeyType.Segwit,
+        ScriptKind.WrappedSegwitMultisig or ScriptKind.NativeSegwitMultisig =>
+            throw new NotSupportedException(
+                "I tipi multisig derivano da redeem script: supporto previsto con i wallet M-di-N (§4.5)."),
+        _ => throw new ArgumentOutOfRangeException(nameof(kind)),
+    };
+
+    /// <summary>
+    /// Path di account relativo alla root: purpose'/coin'/account' (§4.2).
+    /// Il coin_type è quello del profilo (746 mainnet, 1 testnet).
+    /// </summary>
+    public static KeyPath AccountPath(ScriptKind kind, ChainProfile profile, int account = 0)
+    {
+        if (account < 0)
+            throw new ArgumentOutOfRangeException(nameof(account));
+        return new KeyPath(
+            $"{PurposeFor(kind)}'/{profile.Bip44CoinType}'/{account}'");
+    }
+
+    /// <summary>Sottopath non-hardened change/index sotto l'account (change=0 receiving, change=1 change).</summary>
+    public static KeyPath AddressSubPath(bool isChange, int index)
+    {
+        if (index < 0)
+            throw new ArgumentOutOfRangeException(nameof(index));
+        return new KeyPath($"{(isChange ? 1 : 0)}/{index}");
+    }
+
+    /// <summary>
+    /// Parsing di derivation path personalizzati in import (Sparrow-like, §4.2):
+    /// accetta il prefisso "m/" opzionale e gli hardened marker ' oppure h.
+    /// </summary>
+    public static bool TryParse(string path, out KeyPath? keyPath)
+    {
+        keyPath = null;
+        if (string.IsNullOrWhiteSpace(path))
+            return false;
+        try
+        {
+            keyPath = KeyPath.Parse(path.Trim());
+            return true;
+        }
+        catch (FormatException)
+        {
+            return false;
+        }
+    }
+}
diff --git a/src/Core/Crypto/HdAccount.cs b/src/Core/Crypto/HdAccount.cs
new file mode 100644
index 0000000..045d0ca
--- /dev/null
+++ b/src/Core/Crypto/HdAccount.cs
@@ -0,0 +1,116 @@
+using NBitcoin;
+using PalladiumWallet.Core.Chain;
+
+namespace PalladiumWallet.Core.Crypto;
+
+/// <summary>
+/// Account HD single-sig (blueprint §4.2/§4.4): chiave estesa di account (xprv,
+/// oppure solo xpub = watch-only) + tipo di script + profilo di rete. Deriva
+/// indirizzi receiving (change=0) e change (change=1) on-demand per indice.
+/// Gli indirizzi si derivano sempre dall'xpub di account (sottopath non-hardened),
+/// quindi il watch-only funziona per costruzione. Il keystore completo
+/// (cifratura, factory dal file wallet, §4.5) arriva con la persistenza (§8).
+/// </summary>
+public sealed class HdAccount
+{
+    private readonly ExtKey? _accountXprv;
+
+    public ScriptKind Kind { get; }
+    public ChainProfile Profile { get; }
+
+    /// <summary>Path dell'account relativo alla root (es. 84'/746'/0', o personalizzato).</summary>
+    public KeyPath AccountPath { get; }
+
+    /// <summary>
+    /// Fingerprint della chiave master: con <see cref="AccountPath"/> forma le
+    /// origin info richieste dalle PSBT (§6.5). Zero se ignota (xpub importata
+    /// senza metadati).
+    /// </summary>
+    public HDFingerprint MasterFingerprint { get; }
+
+    public ExtPubKey AccountXpub { get; }
+
+    /// <summary>True se l'account conosce solo la xpub: costruisce ma non firma (§4.5).</summary>
+    public bool IsWatchOnly => _accountXprv is null;
+
+    private HdAccount(ExtKey? accountXprv, ExtPubKey accountXpub, ScriptKind kind,
+        ChainProfile profile, KeyPath accountPath, HDFingerprint masterFingerprint)
+    {
+        // Valida subito la mappatura (i tipi multisig non sono supportati qui).
+        DerivationPaths.ScriptPubKeyTypeFor(kind);
+        _accountXprv = accountXprv;
+        AccountXpub = accountXpub;
+        Kind = kind;
+        Profile = profile;
+        AccountPath = accountPath;
+        MasterFingerprint = masterFingerprint;
+    }
+
+    /// <summary>Caso principale: mnemonica BIP39 (+ passphrase opzionale) → account standard.</summary>
+    public static HdAccount FromMnemonic(Mnemonic mnemonic, string? passphrase,
+        ScriptKind kind, ChainProfile profile, int account = 0) =>
+        FromSeed(Bip39.ToSeed(mnemonic, passphrase), kind, profile, account);
+
+    public static HdAccount FromSeed(byte[] seed, ScriptKind kind, ChainProfile profile, int account = 0) =>
+        FromSeed(seed, kind, profile, DerivationPaths.AccountPath(kind, profile, account));
+
+    /// <summary>
+    /// Import con derivation path personalizzato (§4.2, Sparrow-like):
+    /// <paramref name="kind"/> determina solo il tipo di indirizzo generato.
+    /// </summary>
+    public static HdAccount FromSeed(byte[] seed, ScriptKind kind, ChainProfile profile, KeyPath accountPath)
+    {
+        var root = ExtKey.CreateFromSeed(seed);
+        // L'account si deriva sempre dalla xprv: i livelli hardened del path
+        // non sono derivabili da una xpub.
+        var accountXprv = root.Derive(accountPath);
+        return new HdAccount(accountXprv, accountXprv.Neuter(), kind, profile,
+            accountPath, root.Neuter().PubKey.GetHDFingerPrint());
+    }
+
+    /// <summary>
+    /// Watch-only da xpub di account (§4.4): fingerprint e path sono noti solo
+    /// se forniti da chi importa (servono per le origin info PSBT).
+    /// </summary>
+    public static HdAccount FromAccountXpub(ExtPubKey accountXpub, ScriptKind kind,
+        ChainProfile profile, KeyPath? accountPath = null, HDFingerprint? masterFingerprint = null) =>
+        new(null, accountXpub, kind, profile,
+            accountPath ?? DerivationPaths.AccountPath(kind, profile),
+            masterFingerprint ?? default);
+
+    /// <summary>Import spendibile da xprv di account.</summary>
+    public static HdAccount FromAccountXprv(ExtKey accountXprv, ScriptKind kind,
+        ChainProfile profile, KeyPath? accountPath = null, HDFingerprint? masterFingerprint = null) =>
+        new(accountXprv, accountXprv.Neuter(), kind, profile,
+            accountPath ?? DerivationPaths.AccountPath(kind, profile),
+            masterFingerprint ?? default);
+
+    public BitcoinAddress GetAddress(bool isChange, int index) =>
+        GetPublicKey(isChange, index).GetAddress(
+            DerivationPaths.ScriptPubKeyTypeFor(Kind),
+            PalladiumNetworks.For(Profile.Kind));
+
+    public BitcoinAddress GetReceiveAddress(int index) => GetAddress(isChange: false, index);
+
+    public BitcoinAddress GetChangeAddress(int index) => GetAddress(isChange: true, index);
+
+    public PubKey GetPublicKey(bool isChange, int index) =>
+        AccountXpub.Derive(DerivationPaths.AddressSubPath(isChange, index)).PubKey;
+
+    /// <summary>
+    /// Chiave privata estesa di un indirizzo. Lancia se watch-only: nessuna
+    /// chiave privata è derivabile dalle sole pubbliche (§17).
+    /// </summary>
+    public ExtKey GetExtPrivateKey(bool isChange, int index) =>
+        (_accountXprv ?? throw new InvalidOperationException("Account watch-only: non può firmare."))
+            .Derive(DerivationPaths.AddressSubPath(isChange, index));
+
+    /// <summary>Xpub di account in formato SLIP-132 (xpub/ypub/zpub secondo Kind).</summary>
+    public string ToSlip132() => Slip132.Encode(AccountXpub, Kind, Profile);
+
+    /// <summary>Xprv di account in formato SLIP-132. Lancia se watch-only.</summary>
+    public string ToSlip132Private() =>
+        Slip132.Encode(
+            _accountXprv ?? throw new InvalidOperationException("Account watch-only: nessuna chiave privata."),
+            Kind, Profile);
+}
diff --git a/src/Core/Crypto/Slip132.cs b/src/Core/Crypto/Slip132.cs
new file mode 100644
index 0000000..97bdd35
--- /dev/null
+++ b/src/Core/Crypto/Slip132.cs
@@ -0,0 +1,96 @@
+using NBitcoin;
+using NBitcoin.DataEncoders;
+using PalladiumWallet.Core.Chain;
+
+namespace PalladiumWallet.Core.Crypto;
+
+/// <summary>
+/// Serializzazione e parsing SLIP-132 delle chiavi estese (xprv/yprv/zprv e
+/// varianti pubbliche) con gli header di <see cref="ChainProfile.ExtKeyHeaders"/>
+/// (blueprint §3). NBitcoin serializza con i soli header registrati nella Network
+/// (xprv/xpub): le altre varianti si compongono qui come
+/// Base58Check( header 4 byte BE || payload BIP32 74 byte ).
+/// </summary>
+public static class Slip132
+{
+    public static string Encode(ExtPubKey key, ScriptKind kind, ChainProfile profile) =>
+        Encoders.Base58Check.EncodeData([.. profile.ExtKeyHeaders[kind].PublicBytes(), .. key.ToBytes()]);
+
+    public static string Encode(ExtKey key, ScriptKind kind, ChainProfile profile) =>
+        Encoders.Base58Check.EncodeData([.. profile.ExtKeyHeaders[kind].PrivateBytes(), .. key.ToBytes()]);
+
+    /// <summary>
+    /// Riconosce l'header (→ ScriptKind) e decodifica una chiave pubblica estesa:
+    /// è la via dell'import watch-only (§4.4).
+    /// </summary>
+    public static bool TryDecodePublic(string encoded, ChainProfile profile,
+        out ExtPubKey? key, out ScriptKind kind)
+    {
+        key = null;
+        kind = default;
+        if (!TryDecodePayload(encoded, profile, isPrivate: false, out var payload, out kind))
+            return false;
+        try
+        {
+            key = new ExtPubKey(payload!);
+            return true;
+        }
+        catch (FormatException)
+        {
+            return false;
+        }
+    }
+
+    /// <summary>Come <see cref="TryDecodePublic"/>, per chiavi private (import spendibile).</summary>
+    public static bool TryDecodePrivate(string encoded, ChainProfile profile,
+        out ExtKey? key, out ScriptKind kind)
+    {
+        key = null;
+        kind = default;
+        if (!TryDecodePayload(encoded, profile, isPrivate: true, out var payload, out kind))
+            return false;
+        try
+        {
+            key = ExtKey.CreateFromBytes(payload!);
+            return true;
+        }
+        catch (FormatException)
+        {
+            return false;
+        }
+    }
+
+    private static bool TryDecodePayload(string encoded, ChainProfile profile, bool isPrivate,
+        out byte[]? payload, out ScriptKind kind)
+    {
+        payload = null;
+        kind = default;
+        if (string.IsNullOrWhiteSpace(encoded))
+            return false;
+
+        byte[] data;
+        try
+        {
+            data = Encoders.Base58Check.DecodeData(encoded.Trim());
+        }
+        catch (FormatException)
+        {
+            return false;
+        }
+
+        if (data.Length != 78)
+            return false;
+
+        var header = (uint)(data[0] << 24 | data[1] << 16 | data[2] << 8 | data[3]);
+        foreach (var (candidate, headers) in profile.ExtKeyHeaders)
+        {
+            if (header != (isPrivate ? headers.Private : headers.Public))
+                continue;
+            kind = candidate;
+            payload = data[4..];
+            return true;
+        }
+
+        return false;
+    }
+}