diff --git a/src/wallet/wallet.cpp b/src/wallet/wallet.cpp
index 9c60b62a1..505e394aa 100644
--- a/src/wallet/wallet.cpp
+++ b/src/wallet/wallet.cpp
@@ -879,32 +879,33 @@ CWalletTx* CWallet::AddToWallet(CTransactionRef tx, const CWalletTx::Confirmatio
     return &wtx;
 }
 
-void CWallet::LoadToWallet(CWalletTx& wtxIn)
+bool CWallet::LoadToWallet(const uint256& hash, const UpdateWalletTxFn& fill_wtx)
 {
+    const auto& ins = mapWallet.emplace(std::piecewise_construct, std::forward_as_tuple(hash), std::forward_as_tuple(this, nullptr));
+    CWalletTx& wtx = ins.first->second;
+    if (!fill_wtx(wtx, ins.second)) {
+        return false;
+    }
     // If wallet doesn't have a chain (e.g wallet-tool), don't bother to update txn.
     if (HaveChain()) {
-        Optional<int> block_height = chain().getBlockHeight(wtxIn.m_confirm.hashBlock);
+        Optional<int> block_height = chain().getBlockHeight(wtx.m_confirm.hashBlock);
         if (block_height) {
             // Update cached block height variable since it not stored in the
             // serialized transaction.
-            wtxIn.m_confirm.block_height = *block_height;
-        } else if (wtxIn.isConflicted() || wtxIn.isConfirmed()) {
+            wtx.m_confirm.block_height = *block_height;
+        } else if (wtx.isConflicted() || wtx.isConfirmed()) {
             // If tx block (or conflicting block) was reorged out of chain
             // while the wallet was shutdown, change tx status to UNCONFIRMED
             // and reset block height, hash, and index. ABANDONED tx don't have
             // associated blocks and don't need to be updated. The case where a
             // transaction was reorged out while online and then reconfirmed
             // while offline is covered by the rescan logic.
-            wtxIn.setUnconfirmed();
-            wtxIn.m_confirm.hashBlock = uint256();
-            wtxIn.m_confirm.block_height = 0;
-            wtxIn.m_confirm.nIndex = 0;
+            wtx.setUnconfirmed();
+            wtx.m_confirm.hashBlock = uint256();
+            wtx.m_confirm.block_height = 0;
+            wtx.m_confirm.nIndex = 0;
         }
     }
-    uint256 hash = wtxIn.GetHash();
-    const auto& ins = mapWallet.emplace(hash, wtxIn);
-    CWalletTx& wtx = ins.first->second;
-    wtx.BindWallet(this);
     if (/* insertion took place */ ins.second) {
         wtx.m_it_wtxOrdered = wtxOrdered.insert(std::make_pair(wtx.nOrderPos, &wtx));
     }
@@ -918,6 +919,7 @@ void CWallet::LoadToWallet(CWalletTx& wtxIn)
             }
         }
     }
+    return true;
 }
 
 bool CWallet::AddToWalletIfInvolvingMe(const CTransactionRef& ptx, CWalletTx::Confirmation confirm, bool fUpdate)
diff --git a/src/wallet/wallet.h b/src/wallet/wallet.h
index 39f5e304a..82f45e3d3 100644
--- a/src/wallet/wallet.h
+++ b/src/wallet/wallet.h
@@ -896,7 +896,7 @@ public:
     using UpdateWalletTxFn = std::function<bool(CWalletTx& wtx, bool new_tx)>;
 
     CWalletTx* AddToWallet(CTransactionRef tx, const CWalletTx::Confirmation& confirm, const UpdateWalletTxFn& update_wtx=nullptr, bool fFlushOnClose=true);
-    void LoadToWallet(CWalletTx& wtxIn) EXCLUSIVE_LOCKS_REQUIRED(cs_wallet);
+    bool LoadToWallet(const uint256& hash, const UpdateWalletTxFn& fill_wtx) EXCLUSIVE_LOCKS_REQUIRED(cs_wallet);
     void transactionAddedToMempool(const CTransactionRef& tx) override;
     void blockConnected(const CBlock& block, int height) override;
     void blockDisconnected(const CBlock& block, int height) override;
diff --git a/src/wallet/walletdb.cpp b/src/wallet/walletdb.cpp
index 79316ca3e..303570e32 100644
--- a/src/wallet/walletdb.cpp
+++ b/src/wallet/walletdb.cpp
@@ -272,36 +272,43 @@ ReadKeyValue(CWallet* pwallet, CDataStream& ssKey, CDataStream& ssValue,
         } else if (strType == DBKeys::TX) {
             uint256 hash;
             ssKey >> hash;
-            CWalletTx wtx(nullptr /* pwallet */, MakeTransactionRef());
-            ssValue >> wtx;
-            if (wtx.GetHash() != hash)
+            // LoadToWallet call below creates a new CWalletTx that fill_wtx
+            // callback fills with transaction metadata.
+            auto fill_wtx = [&](CWalletTx& wtx, bool new_tx) {
+                assert(new_tx);
+                ssValue >> wtx;
+                if (wtx.GetHash() != hash)
+                    return false;
+
+                // Undo serialize changes in 31600
+                if (31404 <= wtx.fTimeReceivedIsTxTime && wtx.fTimeReceivedIsTxTime <= 31703)
+                {
+                    if (!ssValue.empty())
+                    {
+                        char fTmp;
+                        char fUnused;
+                        std::string unused_string;
+                        ssValue >> fTmp >> fUnused >> unused_string;
+                        strErr = strprintf("LoadWallet() upgrading tx ver=%d %d %s",
+                                           wtx.fTimeReceivedIsTxTime, fTmp, hash.ToString());
+                        wtx.fTimeReceivedIsTxTime = fTmp;
+                    }
+                    else
+                    {
+                        strErr = strprintf("LoadWallet() repairing tx ver=%d %s", wtx.fTimeReceivedIsTxTime, hash.ToString());
+                        wtx.fTimeReceivedIsTxTime = 0;
+                    }
+                    wss.vWalletUpgrade.push_back(hash);
+                }
+
+                if (wtx.nOrderPos == -1)
+                    wss.fAnyUnordered = true;
+
+                return true;
+            };
+            if (!pwallet->LoadToWallet(hash, fill_wtx)) {
                 return false;
-
-            // Undo serialize changes in 31600
-            if (31404 <= wtx.fTimeReceivedIsTxTime && wtx.fTimeReceivedIsTxTime <= 31703)
-            {
-                if (!ssValue.empty())
-                {
-                    char fTmp;
-                    char fUnused;
-                    std::string unused_string;
-                    ssValue >> fTmp >> fUnused >> unused_string;
-                    strErr = strprintf("LoadWallet() upgrading tx ver=%d %d %s",
-                                       wtx.fTimeReceivedIsTxTime, fTmp, hash.ToString());
-                    wtx.fTimeReceivedIsTxTime = fTmp;
-                }
-                else
-                {
-                    strErr = strprintf("LoadWallet() repairing tx ver=%d %s", wtx.fTimeReceivedIsTxTime, hash.ToString());
-                    wtx.fTimeReceivedIsTxTime = 0;
-                }
-                wss.vWalletUpgrade.push_back(hash);
             }
-
-            if (wtx.nOrderPos == -1)
-                wss.fAnyUnordered = true;
-
-            pwallet->LoadToWallet(wtx);
         } else if (strType == DBKeys::WATCHS) {
             wss.nWatchKeys++;
             CScript script;