def bech32_addr
      segwit_addr = Bech32::SegwitAddr.new
      segwit_addr.hrp = Bitcoin.chain_params.bech32_hrp
      segwit_addr.script_pubkey = to_payload.bth
      segwit_addr.addr
    end
def bech32_addr
      segwit_addr = Bech32::SegwitAddr.new
      segwit_addr.hrp = Bitcoin.chain_params.bech32_hrp
      segwit_addr.script_pubkey = to_payload.bth
      segwit_addr.addr
    end
return bech32 address for payload