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Shamir seed backup: SLIP-39 (Trezor) vs splitting a BIP39 seed into encrypted shares?

Moussa by Moussa
November 7, 2026
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Title: Shamir seed backup: SLIP-39 (Trezor) vs splitting a BIP39 seed into encrypted shares?

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I’m building an open-source inheritance tool (vault.js) that runs offline on Tails. It takes a BIP39 seed, splits it 3-of-5 with Shamir, then encrypts each share with Argon2id + AES-256-GCM under a passphrase.

Trezor uses SLIP-39 instead, where the shares are word lists and the wallet itself rebuilds the seed.

What are the security trade-offs between the two approaches?

  • Is encrypting each share worth it, or does it add a new single point of failure (the passphrase)?
  • Does splitting a BIP39 seed carry known risks that SLIP-39 was designed to avoid?
  • For heirs who aren’t technical, which is safer to recover from in 20 years?

Code and threat model: https://github.com/Ashworth78/btcguardianshq



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