diff --git a/src/wallet/rpc/util.cpp b/src/wallet/rpc/util.cpp
index 59683c5fd8c..f788d0d2d33 100644
--- a/src/wallet/rpc/util.cpp
+++ b/src/wallet/rpc/util.cpp
@@ -64,12 +64,11 @@ std::shared_ptr<CWallet> GetWalletForJSONRPCRequest(const JSONRPCRequest& reques
         return pwallet;
     }
 
-    std::vector<std::shared_ptr<CWallet>> wallets = GetWallets(context);
-    if (wallets.size() == 1) {
-        return wallets[0];
-    }
+    size_t count{0};
+    auto wallet = GetDefaultWallet(context, count);
+    if (wallet) return wallet;
 
-    if (wallets.empty()) {
+    if (count == 0) {
         throw JSONRPCError(
             RPC_WALLET_NOT_FOUND, "No wallet is loaded. Load a wallet using loadwallet or create a new one with createwallet. (Note: A default wallet is no longer automatically created)");
     }
diff --git a/src/wallet/wallet.cpp b/src/wallet/wallet.cpp
index be64b4cdbbc..96b9a69d455 100644
--- a/src/wallet/wallet.cpp
+++ b/src/wallet/wallet.cpp
@@ -151,6 +151,13 @@ std::vector<std::shared_ptr<CWallet>> GetWallets(WalletContext& context)
     return context.wallets;
 }
 
+std::shared_ptr<CWallet> GetDefaultWallet(WalletContext& context, size_t& count)
+{
+    LOCK(context.wallets_mutex);
+    count = context.wallets.size();
+    return count == 1 ? context.wallets[0] : nullptr;
+}
+
 std::shared_ptr<CWallet> GetWallet(WalletContext& context, const std::string& name)
 {
     LOCK(context.wallets_mutex);
diff --git a/src/wallet/wallet.h b/src/wallet/wallet.h
index 0490d321abe..686e1022940 100644
--- a/src/wallet/wallet.h
+++ b/src/wallet/wallet.h
@@ -62,6 +62,7 @@ bool AddWallet(WalletContext& context, const std::shared_ptr<CWallet>& wallet);
 bool RemoveWallet(WalletContext& context, const std::shared_ptr<CWallet>& wallet, std::optional<bool> load_on_start, std::vector<bilingual_str>& warnings);
 bool RemoveWallet(WalletContext& context, const std::shared_ptr<CWallet>& wallet, std::optional<bool> load_on_start);
 std::vector<std::shared_ptr<CWallet>> GetWallets(WalletContext& context);
+std::shared_ptr<CWallet> GetDefaultWallet(WalletContext& context, size_t& count);
 std::shared_ptr<CWallet> GetWallet(WalletContext& context, const std::string& name);
 std::shared_ptr<CWallet> LoadWallet(WalletContext& context, const std::string& name, std::optional<bool> load_on_start, const DatabaseOptions& options, DatabaseStatus& status, bilingual_str& error, std::vector<bilingual_str>& warnings);
 std::shared_ptr<CWallet> CreateWallet(WalletContext& context, const std::string& name, std::optional<bool> load_on_start, DatabaseOptions& options, DatabaseStatus& status, bilingual_str& error, std::vector<bilingual_str>& warnings);