diff --git a/src/Makefile.am b/src/Makefile.am
index e2727ac5225..8dd0d31839e 100644
--- a/src/Makefile.am
+++ b/src/Makefile.am
@@ -467,6 +467,7 @@ endif
 bitcoind_LDADD = \
   $(LIBBITCOIN_SERVER) \
   $(LIBBITCOIN_WALLET) \
+  $(LIBBITCOIN_SERVER) \
   $(LIBBITCOIN_COMMON) \
   $(LIBUNIVALUE) \
   $(LIBBITCOIN_UTIL) \
diff --git a/src/dummywallet.cpp b/src/dummywallet.cpp
index fa232d2dd08..9211a7596b8 100644
--- a/src/dummywallet.cpp
+++ b/src/dummywallet.cpp
@@ -14,13 +14,7 @@ public:
     bool HasWalletSupport() const override {return false;}
     void AddWalletOptions() const override;
     bool ParameterInteraction() const override {return true;}
-    void RegisterRPC(CRPCTable &) const override {}
-    bool Verify(interfaces::Chain& chain) const override {return true;}
-    bool Open(interfaces::Chain& chain) const override {LogPrintf("No wallet support compiled in!\n"); return true;}
-    void Start(CScheduler& scheduler) const override {}
-    void Flush() const override {}
-    void Stop() const override {}
-    void Close() const override {}
+    void Construct(InitInterfaces& interfaces) const override {LogPrintf("No wallet support compiled in!\n");}
 };
 
 void DummyWalletInit::AddWalletOptions() const
diff --git a/src/init.cpp b/src/init.cpp
index 88d4d059f99..3ab97be3296 100644
--- a/src/init.cpp
+++ b/src/init.cpp
@@ -19,6 +19,7 @@
 #include <fs.h>
 #include <httpserver.h>
 #include <httprpc.h>
+#include <interfaces/chain.h>
 #include <index/txindex.h>
 #include <key.h>
 #include <validation.h>
@@ -177,7 +178,9 @@ void Shutdown(InitInterfaces& interfaces)
     StopREST();
     StopRPC();
     StopHTTPServer();
-    g_wallet_init_interface.Flush();
+    for (const auto& client : interfaces.chain_clients) {
+        client->flush();
+    }
     StopMapPort();
 
     // Because these depend on each-other, we make sure that neither can be
@@ -240,7 +243,9 @@ void Shutdown(InitInterfaces& interfaces)
         pcoinsdbview.reset();
         pblocktree.reset();
     }
-    g_wallet_init_interface.Stop();
+    for (const auto& client : interfaces.chain_clients) {
+        client->stop();
+    }
 
 #if ENABLE_ZMQ
     if (g_zmq_notification_interface) {
@@ -260,7 +265,7 @@ void Shutdown(InitInterfaces& interfaces)
     UnregisterAllValidationInterfaces();
     GetMainSignals().UnregisterBackgroundSignalScheduler();
     GetMainSignals().UnregisterWithMempoolSignals(mempool);
-    g_wallet_init_interface.Close();
+    interfaces.chain_clients.clear();
     globalVerifyHandle.reset();
     ECC_Stop();
     LogPrintf("%s: done\n", __func__);
@@ -1222,11 +1227,19 @@ bool AppInitMain(InitInterfaces& interfaces)
     GetMainSignals().RegisterBackgroundSignalScheduler(scheduler);
     GetMainSignals().RegisterWithMempoolSignals(mempool);
 
+    // Create client interfaces for wallets that are supposed to be loaded
+    // according to -wallet and -disablewallet options. This only constructs
+    // the interfaces, it doesn't load wallet data. Wallets actually get loaded
+    // when load() and start() interface methods are called below.
+    g_wallet_init_interface.Construct(interfaces);
+
     /* Register RPC commands regardless of -server setting so they will be
      * available in the GUI RPC console even if external calls are disabled.
      */
     RegisterAllCoreRPCCommands(tableRPC);
-    g_wallet_init_interface.RegisterRPC(tableRPC);
+    for (const auto& client : interfaces.chain_clients) {
+        client->registerRpcs();
+    }
     g_rpc_interfaces = &interfaces;
 #if ENABLE_ZMQ
     RegisterZMQRPCCommands(tableRPC);
@@ -1245,7 +1258,11 @@ bool AppInitMain(InitInterfaces& interfaces)
     }
 
     // ********************************************************* Step 5: verify wallet database integrity
-    if (!g_wallet_init_interface.Verify(*interfaces.chain)) return false;
+    for (const auto& client : interfaces.chain_clients) {
+        if (!client->verify()) {
+            return false;
+        }
+    }
 
     // ********************************************************* Step 6: network initialization
     // Note that we absolutely cannot open any actual connections
@@ -1564,7 +1581,11 @@ bool AppInitMain(InitInterfaces& interfaces)
     }
 
     // ********************************************************* Step 9: load wallet
-    if (!g_wallet_init_interface.Open(*interfaces.chain)) return false;
+    for (const auto& client : interfaces.chain_clients) {
+        if (!client->load()) {
+            return false;
+        }
+    }
 
     // ********************************************************* Step 10: data directory maintenance
 
@@ -1710,7 +1731,9 @@ bool AppInitMain(InitInterfaces& interfaces)
     SetRPCWarmupFinished();
     uiInterface.InitMessage(_("Done loading"));
 
-    g_wallet_init_interface.Start(scheduler);
+    for (const auto& client : interfaces.chain_clients) {
+        client->start(scheduler);
+    }
 
     return true;
 }
diff --git a/src/interfaces/chain.h b/src/interfaces/chain.h
index 8a40cb4cda2..30bc9f5f738 100644
--- a/src/interfaces/chain.h
+++ b/src/interfaces/chain.h
@@ -9,6 +9,8 @@
 #include <string>
 #include <vector>
 
+class CScheduler;
+
 namespace interfaces {
 
 //! Interface for giving wallet processes access to blockchain state.
@@ -24,6 +26,24 @@ class ChainClient
 {
 public:
     virtual ~ChainClient() {}
+
+    //! Register rpcs.
+    virtual void registerRpcs() = 0;
+
+    //! Check for errors before loading.
+    virtual bool verify() = 0;
+
+    //! Load saved state.
+    virtual bool load() = 0;
+
+    //! Start client execution and provide a scheduler.
+    virtual void start(CScheduler& scheduler) = 0;
+
+    //! Save state to disk.
+    virtual void flush() = 0;
+
+    //! Shut down client.
+    virtual void stop() = 0;
 };
 
 //! Return implementation of Chain interface.
diff --git a/src/interfaces/wallet.cpp b/src/interfaces/wallet.cpp
index e9f4669f4d9..a29440ee4a1 100644
--- a/src/interfaces/wallet.cpp
+++ b/src/interfaces/wallet.cpp
@@ -7,6 +7,7 @@
 #include <amount.h>
 #include <chain.h>
 #include <consensus/validation.h>
+#include <init.h>
 #include <interfaces/chain.h>
 #include <interfaces/handler.h>
 #include <net.h>
@@ -14,6 +15,8 @@
 #include <policy/fees.h>
 #include <policy/policy.h>
 #include <primitives/transaction.h>
+#include <rpc/server.h>
+#include <scheduler.h>
 #include <script/ismine.h>
 #include <script/standard.h>
 #include <support/allocators/secure.h>
@@ -25,7 +28,9 @@
 #include <validation.h>
 #include <wallet/feebumper.h>
 #include <wallet/fees.h>
+#include <wallet/rpcwallet.h>
 #include <wallet/wallet.h>
+#include <wallet/walletutil.h>
 
 #include <memory>
 #include <string>
@@ -470,6 +475,13 @@ public:
         : m_chain(chain), m_wallet_filenames(std::move(wallet_filenames))
     {
     }
+    void registerRpcs() override { return RegisterWalletRPCCommands(::tableRPC); }
+    bool verify() override { return VerifyWallets(m_chain, m_wallet_filenames); }
+    bool load() override { return LoadWallets(m_chain, m_wallet_filenames); }
+    void start(CScheduler& scheduler) override { return StartWallets(scheduler); }
+    void flush() override { return FlushWallets(); }
+    void stop() override { return StopWallets(); }
+    ~WalletClientImpl() override { UnloadWallets(); }
 
     Chain& m_chain;
     std::vector<std::string> m_wallet_filenames;
diff --git a/src/wallet/init.cpp b/src/wallet/init.cpp
index 5ae93049049..14d811c6cd7 100644
--- a/src/wallet/init.cpp
+++ b/src/wallet/init.cpp
@@ -5,6 +5,7 @@
 
 #include <chainparams.h>
 #include <init.h>
+#include <interfaces/chain.h>
 #include <net.h>
 #include <scheduler.h>
 #include <outputtype.h>
@@ -28,28 +29,8 @@ public:
     //! Wallets parameter interaction
     bool ParameterInteraction() const override;
 
-    //! Register wallet RPCs.
-    void RegisterRPC(CRPCTable &tableRPC) const override;
-
-    //! Responsible for reading and validating the -wallet arguments and verifying the wallet database.
-    //  This function will perform salvage on the wallet if requested, as long as only one wallet is
-    //  being loaded (WalletParameterInteraction forbids -salvagewallet, -zapwallettxes or -upgradewallet with multiwallet).
-    bool Verify(interfaces::Chain& chain) const override;
-
-    //! Load wallet databases.
-    bool Open(interfaces::Chain& chain) const override;
-
-    //! Complete startup of wallets.
-    void Start(CScheduler& scheduler) const override;
-
-    //! Flush all wallets in preparation for shutdown.
-    void Flush() const override;
-
-    //! Stop all wallets. Wallets will be flushed first.
-    void Stop() const override;
-
-    //! Close all wallets.
-    void Close() const override;
+    //! Add wallets that should be opened to list of init interfaces.
+    void Construct(InitInterfaces& interfaces) const override;
 };
 
 const WalletInitInterface& g_wallet_init_interface = WalletInit();
@@ -99,7 +80,6 @@ bool WalletInit::ParameterInteraction() const
         return true;
     }
 
-    gArgs.SoftSetArg("-wallet", "");
     const bool is_multiwallet = gArgs.GetArgs("-wallet").size() > 1;
 
     if (gArgs.GetBoolArg("-blocksonly", DEFAULT_BLOCKSONLY) && gArgs.SoftSetBoolArg("-walletbroadcast", false)) {
@@ -165,21 +145,8 @@ bool WalletInit::ParameterInteraction() const
     return true;
 }
 
-void WalletInit::RegisterRPC(CRPCTable &t) const
+bool VerifyWallets(interfaces::Chain& chain, const std::vector<std::string>& wallet_files)
 {
-    if (gArgs.GetBoolArg("-disablewallet", DEFAULT_DISABLE_WALLET)) {
-        return;
-    }
-
-    RegisterWalletRPCCommands(t);
-}
-
-bool WalletInit::Verify(interfaces::Chain& chain) const
-{
-    if (gArgs.GetBoolArg("-disablewallet", DEFAULT_DISABLE_WALLET)) {
-        return true;
-    }
-
     if (gArgs.IsArgSet("-walletdir")) {
         fs::path wallet_dir = gArgs.GetArg("-walletdir", "");
         boost::system::error_code error;
@@ -200,8 +167,6 @@ bool WalletInit::Verify(interfaces::Chain& chain) const
 
     uiInterface.InitMessage(_("Verifying wallet(s)..."));
 
-    std::vector<std::string> wallet_files = gArgs.GetArgs("-wallet");
-
     // Parameter interaction code should have thrown an error if -salvagewallet
     // was enabled with more than wallet file, so the wallet_files size check
     // here should have no effect.
@@ -228,14 +193,19 @@ bool WalletInit::Verify(interfaces::Chain& chain) const
     return true;
 }
 
-bool WalletInit::Open(interfaces::Chain& chain) const
+void WalletInit::Construct(InitInterfaces& interfaces) const
 {
     if (gArgs.GetBoolArg("-disablewallet", DEFAULT_DISABLE_WALLET)) {
         LogPrintf("Wallet disabled!\n");
-        return true;
+        return;
     }
+    gArgs.SoftSetArg("-wallet", "");
+    interfaces.chain_clients.emplace_back(interfaces::MakeWalletClient(*interfaces.chain, gArgs.GetArgs("-wallet")));
+}
 
-    for (const std::string& walletFile : gArgs.GetArgs("-wallet")) {
+bool LoadWallets(interfaces::Chain& chain, const std::vector<std::string>& wallet_files)
+{
+    for (const std::string& walletFile : wallet_files) {
         std::shared_ptr<CWallet> pwallet = CWallet::CreateWalletFromFile(chain, WalletLocation(walletFile));
         if (!pwallet) {
             return false;
@@ -246,7 +216,7 @@ bool WalletInit::Open(interfaces::Chain& chain) const
     return true;
 }
 
-void WalletInit::Start(CScheduler& scheduler) const
+void StartWallets(CScheduler& scheduler)
 {
     for (const std::shared_ptr<CWallet>& pwallet : GetWallets()) {
         pwallet->postInitProcess();
@@ -256,21 +226,21 @@ void WalletInit::Start(CScheduler& scheduler) const
     scheduler.scheduleEvery(MaybeCompactWalletDB, 500);
 }
 
-void WalletInit::Flush() const
+void FlushWallets()
 {
     for (const std::shared_ptr<CWallet>& pwallet : GetWallets()) {
         pwallet->Flush(false);
     }
 }
 
-void WalletInit::Stop() const
+void StopWallets()
 {
     for (const std::shared_ptr<CWallet>& pwallet : GetWallets()) {
         pwallet->Flush(true);
     }
 }
 
-void WalletInit::Close() const
+void UnloadWallets()
 {
     for (const std::shared_ptr<CWallet>& pwallet : GetWallets()) {
         RemoveWallet(pwallet);
diff --git a/src/wallet/test/init_test_fixture.cpp b/src/wallet/test/init_test_fixture.cpp
index 1453029c9c4..3b828d57f92 100644
--- a/src/wallet/test/init_test_fixture.cpp
+++ b/src/wallet/test/init_test_fixture.cpp
@@ -8,6 +8,8 @@
 
 InitWalletDirTestingSetup::InitWalletDirTestingSetup(const std::string& chainName): BasicTestingSetup(chainName)
 {
+    m_chain_client = MakeWalletClient(*m_chain, {});
+
     std::string sep;
     sep += fs::path::preferred_separator;
 
diff --git a/src/wallet/test/init_test_fixture.h b/src/wallet/test/init_test_fixture.h
index 97f4b0926f7..cd47b31da11 100644
--- a/src/wallet/test/init_test_fixture.h
+++ b/src/wallet/test/init_test_fixture.h
@@ -18,6 +18,7 @@ struct InitWalletDirTestingSetup: public BasicTestingSetup {
     fs::path m_cwd;
     std::map<std::string, fs::path> m_walletdir_path_cases;
     std::unique_ptr<interfaces::Chain> m_chain = interfaces::MakeChain();
+    std::unique_ptr<interfaces::ChainClient> m_chain_client;
 };
 
 #endif // BITCOIN_WALLET_TEST_INIT_TEST_FIXTURE_H
diff --git a/src/wallet/test/init_tests.cpp b/src/wallet/test/init_tests.cpp
index b28f22f1b8e..5852d3ef841 100644
--- a/src/wallet/test/init_tests.cpp
+++ b/src/wallet/test/init_tests.cpp
@@ -17,7 +17,7 @@ BOOST_FIXTURE_TEST_SUITE(init_tests, InitWalletDirTestingSetup)
 BOOST_AUTO_TEST_CASE(walletinit_verify_walletdir_default)
 {
     SetWalletDir(m_walletdir_path_cases["default"]);
-    bool result = g_wallet_init_interface.Verify(*m_chain);
+    bool result = m_chain_client->verify();
     BOOST_CHECK(result == true);
     fs::path walletdir = gArgs.GetArg("-walletdir", "");
     fs::path expected_path = fs::canonical(m_walletdir_path_cases["default"]);
@@ -27,7 +27,7 @@ BOOST_AUTO_TEST_CASE(walletinit_verify_walletdir_default)
 BOOST_AUTO_TEST_CASE(walletinit_verify_walletdir_custom)
 {
     SetWalletDir(m_walletdir_path_cases["custom"]);
-    bool result = g_wallet_init_interface.Verify(*m_chain);
+    bool result = m_chain_client->verify();
     BOOST_CHECK(result == true);
     fs::path walletdir = gArgs.GetArg("-walletdir", "");
     fs::path expected_path = fs::canonical(m_walletdir_path_cases["custom"]);
@@ -37,28 +37,28 @@ BOOST_AUTO_TEST_CASE(walletinit_verify_walletdir_custom)
 BOOST_AUTO_TEST_CASE(walletinit_verify_walletdir_does_not_exist)
 {
     SetWalletDir(m_walletdir_path_cases["nonexistent"]);
-    bool result = g_wallet_init_interface.Verify(*m_chain);
+    bool result = m_chain_client->verify();
     BOOST_CHECK(result == false);
 }
 
 BOOST_AUTO_TEST_CASE(walletinit_verify_walletdir_is_not_directory)
 {
     SetWalletDir(m_walletdir_path_cases["file"]);
-    bool result = g_wallet_init_interface.Verify(*m_chain);
+    bool result = m_chain_client->verify();
     BOOST_CHECK(result == false);
 }
 
 BOOST_AUTO_TEST_CASE(walletinit_verify_walletdir_is_not_relative)
 {
     SetWalletDir(m_walletdir_path_cases["relative"]);
-    bool result = g_wallet_init_interface.Verify(*m_chain);
+    bool result = m_chain_client->verify();
     BOOST_CHECK(result == false);
 }
 
 BOOST_AUTO_TEST_CASE(walletinit_verify_walletdir_no_trailing)
 {
     SetWalletDir(m_walletdir_path_cases["trailing"]);
-    bool result = g_wallet_init_interface.Verify(*m_chain);
+    bool result = m_chain_client->verify();
     BOOST_CHECK(result == true);
     fs::path walletdir = gArgs.GetArg("-walletdir", "");
     fs::path expected_path = fs::canonical(m_walletdir_path_cases["default"]);
@@ -68,7 +68,7 @@ BOOST_AUTO_TEST_CASE(walletinit_verify_walletdir_no_trailing)
 BOOST_AUTO_TEST_CASE(walletinit_verify_walletdir_no_trailing2)
 {
     SetWalletDir(m_walletdir_path_cases["trailing2"]);
-    bool result = g_wallet_init_interface.Verify(*m_chain);
+    bool result = m_chain_client->verify();
     BOOST_CHECK(result == true);
     fs::path walletdir = gArgs.GetArg("-walletdir", "");
     fs::path expected_path = fs::canonical(m_walletdir_path_cases["default"]);
diff --git a/src/wallet/wallet.h b/src/wallet/wallet.h
index 32cd462c4c5..2fb2140ac7f 100644
--- a/src/wallet/wallet.h
+++ b/src/wallet/wallet.h
@@ -37,6 +37,27 @@ namespace interfaces {
 class Chain;
 } // namespace interfaces
 
+
+//! Responsible for reading and validating the -wallet arguments and verifying the wallet database.
+//  This function will perform salvage on the wallet if requested, as long as only one wallet is
+//  being loaded (WalletParameterInteraction forbids -salvagewallet, -zapwallettxes or -upgradewallet with multiwallet).
+bool VerifyWallets(interfaces::Chain& chain, const std::vector<std::string>& wallet_files);
+
+//! Load wallet databases.
+bool LoadWallets(interfaces::Chain& chain, const std::vector<std::string>& wallet_files);
+
+//! Complete startup of wallets.
+void StartWallets(CScheduler& scheduler);
+
+//! Flush all wallets in preparation for shutdown.
+void FlushWallets();
+
+//! Stop all wallets. Wallets will be flushed first.
+void StopWallets();
+
+//! Close all wallets.
+void UnloadWallets();
+
 bool AddWallet(const std::shared_ptr<CWallet>& wallet);
 bool RemoveWallet(const std::shared_ptr<CWallet>& wallet);
 bool HasWallets();
diff --git a/src/walletinitinterface.h b/src/walletinitinterface.h
index fb6dcf60d03..22aca659903 100644
--- a/src/walletinitinterface.h
+++ b/src/walletinitinterface.h
@@ -9,10 +9,7 @@
 
 class CScheduler;
 class CRPCTable;
-
-namespace interfaces {
-class Chain;
-} // namespace interfaces
+struct InitInterfaces;
 
 class WalletInitInterface {
 public:
@@ -22,20 +19,8 @@ public:
     virtual void AddWalletOptions() const = 0;
     /** Check wallet parameter interaction */
     virtual bool ParameterInteraction() const = 0;
-    /** Register wallet RPC*/
-    virtual void RegisterRPC(CRPCTable &) const = 0;
-    /** Verify wallets */
-    virtual bool Verify(interfaces::Chain& chain) const = 0;
-    /** Open wallets*/
-    virtual bool Open(interfaces::Chain& chain) const = 0;
-    /** Start wallets*/
-    virtual void Start(CScheduler& scheduler) const = 0;
-    /** Flush Wallets*/
-    virtual void Flush() const = 0;
-    /** Stop Wallets*/
-    virtual void Stop() const = 0;
-    /** Close wallets */
-    virtual void Close() const = 0;
+    /** Add wallets that should be opened to list of init interfaces. */
+    virtual void Construct(InitInterfaces& interfaces) const = 0;
 
     virtual ~WalletInitInterface() {}
 };