Derivation path

[aguycalled]

Currently navpay shares with bitcoin the derivation path used for the generation of new addresses (m/44'), this should be changed to m/130' while preserving backwards compatibility with old wallets.

[mxaddict]

@aguycalled @craigmacgregor I've looked at the code changes required for this, I think we should leave it alone 👍

[mxaddict]

The path is too coupled with the codebase, including on the backend side as well :'(