Suppose I am creating an exchange cryptocurrency such as Binance and I have a main account with both public and private keys. I want to create a Tether wallet (USDT) for any new user registering, using the HD wallet. How can I create the user's wallet address on both ERC20 and TRC20 so that I will be able to make a backup of the main wallet, only? I'm using the Go language for this purpose. I'd appreciate anyone explaining this to me.