What a seed phrase actually is
A BIP-39 mnemonic encodes a block of random entropy (128-256 bits, depending on word count) as a sequence of words from a fixed 2048-word list, plus a built-in checksum. That entropy is the actual secret — the words are just a human-friendly, error-checked way to write it down. From that one secret, a wallet deterministically derives every account and address it will ever show you.
When you’d generate one outside a wallet app
Mostly for development — spinning up test/burner wallets for a script, seeding a local test environment, or generating throwaway accounts for a testnet. For anything meant to hold real value, generating the phrase inside your actual wallet software (ideally a hardware wallet) keeps the raw entropy from ever touching a general-purpose browser tab in the first place.
How this tool works
Generation uses @scure/bip39 (via viem) drawing from the Web Crypto API’s CSPRNG. Nothing is sent to a server, logged, or stored — the phrase exists only in this tab’s memory until you reload or navigate away.