diff --git a/src/stores/wallet.lifecycle.activation.cases.ts b/src/stores/wallet.lifecycle.activation.cases.ts
new file mode 100644
index 0000000..e557bc4
--- /dev/null
+++ b/src/stores/wallet.lifecycle.activation.cases.ts
@@ -0,0 +1,102 @@
+import {
+  OWNER_ID,
+  PASSWORD,
+  deferred,
+  installLegacyEncryptedWallet,
+  installLegacyOwnerlessResidue,
+  mocks,
+} from './wallet.lifecycle.testHarness';
+import { describe, expect, it, vi } from 'vitest';
+
+import { savedKeyExists, savedKeyOwnerId } from '@/lnurlcash/keys';
+import { readNwcConnections } from '@/lnurlcash/nwc';
+import { readPasskeySlots } from '@/lnurlcash/passkeys';
+import { readTrustedMints } from '@/lnurlcash/trustedMints';
+import { useNwcStore } from './nwc';
+import { useWalletStore } from './wallet';
+
+describe('serialized wallet activation', () => {
+  it('migrates a proven legacy owner before NWC can observe unlocked', async () => {
+    // Given an encrypted legacy wallet with ownerless authorization residue
+    await installLegacyEncryptedWallet();
+    installLegacyOwnerlessResidue();
+    const wallet = useWalletStore();
+    useNwcStore();
+
+    // When password proof unlocks the wallet
+    await wallet.unlock(PASSWORD);
+
+    // Then every legacy namespace belongs to the proven owner before startup
+    expect(savedKeyOwnerId()).toBe(OWNER_ID);
+    expect(readPasskeySlots()).toHaveLength(1);
+    expect(readNwcConnections(OWNER_ID)).toHaveLength(1);
+    expect(readTrustedMints(OWNER_ID)).toHaveLength(1);
+    expect(wallet.state).toBe('unlocked');
+    await vi.waitFor(() => expect(mocks.startService).toHaveBeenCalledTimes(1));
+  });
+
+  it('serializes a queued create behind an interrupted forget', async () => {
+    // Given an unlocked wallet whose NWC drain is deferred
+    const wallet = useWalletStore();
+    const nwc = useNwcStore();
+    await wallet.create(PASSWORD);
+    const drain = deferred();
+    const stopSpy = vi.spyOn(nwc, 'stop').mockReturnValue(drain.promise);
+
+    // When forget and create are requested without waiting between them
+    const forgetting = wallet.forgetWallet();
+    const creating = wallet.create();
+    await vi.waitFor(() => expect(stopSpy).toHaveBeenCalled());
+
+    // Then the successor cannot install until the old owner drain completes,
+    // and the session keeps its commit capability while the drain runs
+    expect(savedKeyExists()).toBe(true);
+    expect(wallet.state).toBe('unlocked');
+    drain.resolve();
+    await forgetting;
+    const phrase = await creating;
+    expect(phrase.split(' ')).toHaveLength(12);
+    expect(wallet.state).toBe('unlocked');
+  });
+
+  it('drains the active session before file restore reactivation', async () => {
+    // Given an unlocked wallet whose NWC drain is deferred
+    const wallet = useWalletStore();
+    const nwc = useNwcStore();
+    await wallet.create(PASSWORD);
+    const drain = deferred();
+    const stopSpy = vi.spyOn(nwc, 'stop').mockReturnValue(drain.promise);
+
+    // When a valid file restore starts
+    const restoring = wallet.restoreFromBackup({
+      type: 'sattle-backup',
+      version: 1,
+      createdAt: 1,
+      bearers: [],
+    });
+    await vi.waitFor(() => expect(stopSpy).toHaveBeenCalled());
+
+    // Then deactivation waits for the drain before the lifecycle is
+    // invalidated, and reactivation returns to unlocked afterward
+    expect(wallet.state).toBe('unlocked');
+    drain.resolve();
+    await restoring;
+    expect(wallet.state).toBe('unlocked');
+  });
+
+  it('serializes current-wallet Nostr restore through full reactivation', async () => {
+    // Given an unlocked wallet and a relay restore result
+    const wallet = useWalletStore();
+    useNwcStore();
+    await wallet.create(PASSWORD);
+    const ownerId = wallet.pubkey;
+
+    // When the active-wallet Nostr restore runs
+    await wallet.restoreCurrentFromNostr(['wss://relay.example']);
+
+    // Then the same owner is active only after the restore completed
+    expect(mocks.restoreFromNostr).toHaveBeenCalledTimes(1);
+    expect(wallet.state).toBe('unlocked');
+    expect(wallet.pubkey).toBe(ownerId);
+  });
+});
diff --git a/src/stores/wallet.lifecycle.backupOwner.cases.ts b/src/stores/wallet.lifecycle.backupOwner.cases.ts
new file mode 100644
index 0000000..500871b
--- /dev/null
+++ b/src/stores/wallet.lifecycle.backupOwner.cases.ts
@@ -0,0 +1,57 @@
+import {
+  MINT_KEY,
+  OTHER_OWNER_ID,
+  OWNER_ID,
+  PASSWORD,
+  encryptedLinkingKeyRecord,
+} from './wallet.lifecycle.testHarness';
+import { describe, expect, it } from 'vitest';
+
+import { savedKeyOwnerId } from '@/lnurlcash/keys';
+import { addTrustedMint, readTrustedMints } from '@/lnurlcash/trustedMints';
+import { useNwcStore } from './nwc';
+import { useWalletStore } from './wallet';
+
+describe('hostile file backup owner', () => {
+  it('drops file trust until the restored encrypted key proves its actual owner', async () => {
+    // Given a fresh device and an encrypted backup whose valid owner claim is foreign
+    const wallet = useWalletStore();
+    useNwcStore();
+    const result = await wallet.restoreFromBackup({
+      type: 'sattle-backup',
+      version: 1,
+      createdAt: 1,
+      ownerId: OTHER_OWNER_ID,
+      linkingKey: { ...(await encryptedLinkingKeyRecord()), ownerId: OTHER_OWNER_ID },
+      bearers: [],
+      trustedMints: [
+        {
+          server: 'file-mint.example',
+          mintPubkey: MINT_KEY,
+          addedAt: 1,
+          locked: true,
+          pendingMintPubkey: '03' + 'bb'.repeat(32),
+        },
+      ],
+    });
+    const registryBeforeProof: unknown = JSON.parse(
+      localStorage.getItem('sattle_trusted_mints') ?? 'null',
+    );
+    expect(result).toMatchObject({ linkingKeyRestored: true, trustedMintsAdded: 0 });
+    expect(savedKeyOwnerId()).toBeNull();
+    expect(registryBeforeProof).toBeNull();
+
+    // When password proof activates the restored linking key
+    await expect(wallet.unlock(PASSWORD)).resolves.toBeUndefined();
+
+    // Then the file claim left no residue and only the derived owner can initialize trust
+    expect(readTrustedMints(OTHER_OWNER_ID)).toEqual([]);
+    expect(readTrustedMints(OWNER_ID)).toEqual([]);
+    await expect(
+      addTrustedMint('actual-owner.example', '03' + 'cc'.repeat(32), { ownerId: OWNER_ID }),
+    ).resolves.toBe('added');
+    expect(JSON.parse(localStorage.getItem('sattle_trusted_mints') ?? 'null')).toEqual(
+      expect.objectContaining({ ownerId: OWNER_ID }),
+    );
+  });
+});
diff --git a/src/stores/wallet.lifecycle.isolation.cases.ts b/src/stores/wallet.lifecycle.isolation.cases.ts
new file mode 100644
index 0000000..30cdc92
--- /dev/null
+++ b/src/stores/wallet.lifecycle.isolation.cases.ts
@@ -0,0 +1,89 @@
+import {
+  MINT_KEY,
+  OTHER_OWNER_ID,
+  PASSWORD,
+  installLegacyOwnerlessResidue,
+} from './wallet.lifecycle.testHarness';
+import { describe, expect, it } from 'vitest';
+
+import { generateSeedPhrase, savedKeyExists } from '@/lnurlcash/keys';
+import { readNwcConnections, readNwcEnabled } from '@/lnurlcash/nwc';
+import { readPasskeySlots } from '@/lnurlcash/passkeys';
+import { addTrustedMint, readTrustedMints } from '@/lnurlcash/trustedMints';
+import { useNwcStore } from './nwc';
+import { useWalletStore } from './wallet';
+
+describe('foreign wallet isolation', () => {
+  it('clears ownerless residue and the old trust tombstone before creating a successor', async () => {
+    // Given ownerless legacy authorization plus a prior owner's trust tombstone
+    installLegacyOwnerlessResidue();
+    localStorage.setItem(
+      'sattle_trusted_mints',
+      JSON.stringify({ version: 1, ownerId: OTHER_OWNER_ID, mints: [] }),
+    );
+    const wallet = useWalletStore();
+    useNwcStore();
+
+    // When a new wallet is installed
+    await wallet.create();
+
+    // Then it starts without residue and can initialize its own trust registry
+    expect(wallet.pubkey).not.toBe(OTHER_OWNER_ID);
+    expect(readPasskeySlots()).toEqual([]);
+    expect(readNwcConnections(wallet.pubkey)).toEqual([]);
+    expect(readNwcEnabled(wallet.pubkey)).toBe(false);
+    expect(readTrustedMints(wallet.pubkey ?? undefined)).toEqual([]);
+    await expect(
+      addTrustedMint('successor.example', MINT_KEY, { ownerId: wallet.pubkey ?? '' }),
+    ).resolves.toBe('added');
+  });
+
+  it('rejects malformed file restore without changing the installed state', async () => {
+    // Given an empty installation
+    const wallet = useWalletStore();
+
+    // When malformed backup input crosses the serialized restore boundary
+    const restoring = wallet.restoreFromBackup({ type: 'not-a-wallet' });
+
+    // Then it fails explicitly and does not install a partial wallet
+    await expect(restoring).rejects.toThrow(/valid sattle backup/i);
+    expect(wallet.state).toBe('none');
+    expect(savedKeyExists()).toBe(false);
+  });
+
+  it('tears down the installed owner before a foreign seed restore', async () => {
+    // Given an installed wallet with owner-scoped credentials and trust
+    const wallet = useWalletStore();
+    useNwcStore();
+    await wallet.create(PASSWORD);
+    const oldOwner = wallet.pubkey;
+    if (oldOwner === null) throw new Error('Expected an unlocked owner.');
+    localStorage.setItem(
+      'sattle_passkey_slots',
+      JSON.stringify([
+        {
+          credentialId: '11'.repeat(16),
+          hkdfSalt: '22'.repeat(16),
+          iv: '33'.repeat(12),
+          wrappedKey: '44'.repeat(48),
+          createdAt: 1,
+          ownerId: oldOwner,
+        },
+      ]),
+    );
+    await addTrustedMint('old.example', MINT_KEY, { ownerId: oldOwner });
+    localStorage.setItem(
+      'sattle_trusted_mints',
+      JSON.stringify({ version: 1, ownerId: OTHER_OWNER_ID, mints: [] }),
+    );
+
+    // When a different seed replaces that installation
+    await wallet.restoreFromSeed(generateSeedPhrase());
+
+    // Then old credentials are gone and only the successor is active
+    expect(wallet.pubkey).not.toBe(oldOwner);
+    expect(localStorage.getItem('sattle_passkey_slots')).toBeNull();
+    expect(readTrustedMints(oldOwner)).toEqual([]);
+    expect(readTrustedMints(wallet.pubkey ?? undefined)).toEqual([]);
+  });
+});
diff --git a/src/stores/walletAccess.ts b/src/stores/walletAccess.ts
new file mode 100644
index 0000000..17bc85c
--- /dev/null
+++ b/src/stores/walletAccess.ts
@@ -0,0 +1,68 @@
+import {
+  decryptSavedLinkingKey,
+  generateSeedPhrase,
+  getPlainLinkingKey,
+  savedKeyIsEncrypted,
+  savedKeyOwnerId,
+} from '@/lnurlcash/keys';
+import { unlockWithPasskey } from '@/lnurlcash/passkeys';
+import { unlockWithBiometrics } from '@/capabilities/biometricUnlock';
+
+type RunTransition = <T>(transition: () => Promise<T>) => Promise<T>;
+type InstallSeed = (seedPhrase: string, password?: string) => Promise<void>;
+type Activate = (linkingKey: Uint8Array, ownerWasMissing: boolean) => Promise<void>;
+
+type WalletAccessOptions = Readonly<{
+  runTransition: RunTransition;
+  installSeed: InstallSeed;
+  activate: Activate;
+  canInit: () => boolean;
+}>;
+
+export const createWalletAccess = ({
+  runTransition,
+  installSeed,
+  activate,
+  canInit,
+}: WalletAccessOptions) => {
+  const activateSavedKey = async (linkingKey: Uint8Array | null): Promise<void> => {
+    if (!linkingKey) throw new Error('No wallet on this device.');
+    await activate(linkingKey, savedKeyOwnerId() === null);
+  };
+  const create = (password?: string): Promise<string> =>
+    runTransition(async () => {
+      const phrase = generateSeedPhrase();
+      await installSeed(phrase, password);
+      return phrase;
+    });
+  const restoreFromSeed = (seedPhrase: string, password?: string): Promise<void> =>
+    runTransition(() => installSeed(seedPhrase, password));
+  const unlock = (password?: string): Promise<void> =>
+    runTransition(async () => {
+      const linkingKey = savedKeyIsEncrypted()
+        ? await decryptSavedLinkingKey(password || '')
+        : getPlainLinkingKey();
+      await activateSavedKey(linkingKey);
+    });
+  const unlockWithPasskeyCredential = (): Promise<void> =>
+    runTransition(async () => {
+      await activate(await unlockWithPasskey(), false);
+    });
+  const unlockWithBiometric = (): Promise<void> =>
+    runTransition(async () => {
+      await activateSavedKey(await unlockWithBiometrics());
+    });
+  const init = (): Promise<void> =>
+    runTransition(async () => {
+      if (!canInit() || savedKeyIsEncrypted()) return;
+      await activateSavedKey(getPlainLinkingKey());
+    });
+  return {
+    create,
+    init,
+    restoreFromSeed,
+    unlock,
+    unlockWithBiometric,
+    unlockWithPasskey: unlockWithPasskeyCredential,
+  };
+};
diff --git a/src/stores/walletActivation.ts b/src/stores/walletActivation.ts
new file mode 100644
index 0000000..af3beb4
--- /dev/null
+++ b/src/stores/walletActivation.ts
@@ -0,0 +1,23 @@
+import { serverOf } from 'lnurlcash-kit';
+
+import { grandfatherTrustedMint } from '@/lnurlcash/trustedMints';
+import type { Bearer } from '@/lnurlcash/types';
+
+export const restoreHeldMintTrust = async (
+  bearers: readonly Bearer[],
+  ownerId: string,
+  onError: (message: string) => void,
+): Promise<void> => {
+  for (const bearer of bearers) {
+    if (!bearer.mintPubkey) continue;
+    try {
+      await grandfatherTrustedMint(serverOf(bearer.url), bearer.mintPubkey, ownerId);
+    } catch (error) {
+      onError(
+        error instanceof Error
+          ? `Funds loaded, but mint trust could not be restored: ${error.message}`
+          : 'Funds loaded, but mint trust could not be restored.',
+      );
+    }
+  }
+};