Please use version bytes for bech32 xpub
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shivaenigma commented
The xpub generated by bech32 bitpay wallet is currently starting with prefix xpub
This creates multiple problems:
- Incorrect balance display in watch only wallets / blockexplorer using xpub
- Mismatch of xpub with other wallets like electrum, trezor, samouri
- Incorrect address derivation from xpub - used by Merchant utilites like BtcPay
References
bitcoin/bips#680
https://electrum.readthedocs.io/en/latest/xpub_version_bytes.html