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163163### What is the Urbit HD Wallet? {#urbit-hd-wallet}
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165−The Urbit Hierarchical Deterministic (HD) Wallet is a custom Ethereum wallet based on BIP39 and BIP44 – the same underlying technology used by wallet providers like Ledger, Trezor, Metamask, and MyEtherWallet. You can think of the Urbit HD wallet as a wallet of wallets, which lets you keep a single passphrase for all of your Azimuth keys. Azimuth uses multiple keys with different capabilities – a bit like permissions – so that you can keep the more valuable keys in cold storage while keeping less valuable keys, used in day-to-day operation, more easily accessible. If you're only operating a planet, you shouldn't have to worry this: you can simply think of your "master ticket" as the password to your Azimuth point. If you're operating a star or galaxy, the Urbit HD Wallet allows you to implement a multi-tier key custody scheme.
165+The Urbit Hierarchical Deterministic (HD) Wallet is a custom Ethereum wallet based on BIP39 and BIP44 – the same underlying technology used by wallet providers like Ledger, Trezor, Metamask, and MyEtherWallet. You can think of the Urbit HD wallet as a wallet of wallets, which lets you keep a single passphrase for all of your Azimuth keys. Azimuth uses multiple keys with different capabilities – a bit like permissions – so that you can keep the more valuable keys in cold storage while keeping less valuable keys, used in day-to-day operation, more easily accessible. If you're only operating a planet, you shouldn't have to worry about this: you can simply think of your "master ticket" as the password to your Azimuth point. If you're operating a star or galaxy, the Urbit HD Wallet allows you to implement a multi-tier key custody scheme.
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167167To learn about the specifics, check out our [HD Wallet documentation](@/docs/concepts/azimuth.md#the-urbit-hd-wallet) and the [Urbit HD Wallet Spec (UP 8)](https://github.com/urbit/proposals/blob/master/008-urbit-hd-wallet.md).
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