On Tuesday, January 19, 2021 4:23 PM, nakagat <naka...@gmail.com> wrote:

> Dear. Pieter,
>
> My idea is exactly what you wrote.
>
> However, I don't think it is the same as "checksum = hash (hrp, data)".

No, it is not the same. But it has the same error-detection properties as just 
a hash. Hash-based checksums aren't bad, but:
* The BCH based checksum that Bech32 uses is better at detecting certain 
subsets of errors than a hash can be. Once you add in a hash you irrevocably 
lose these properties.
* If we wanted a checksum with error detection properties that are equivalent 
to a hash, we should just use a hash like Base58Check did. However, that's not 
the goal of Bech32/Bech32m.

If this isn't clear, I'm afraid I don't know how to continue discussing this. 
We can take if off this list, if you want.

Cheers,

--
Pieter

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