diff --git a/src/app.cpp b/src/app.cpp
index fbd35a5..c1b50e4 100644
--- a/src/app.cpp
+++ b/src/app.cpp
@@ -334,8 +334,9 @@ bool App::init()
     // Ensure ObsidianDragon config directory and template files exist
     util::Platform::ensureObsidianDragonSetup();
 
-    // Initialize PIN vault
-    vault_ = std::make_unique<util::SecureVault>();
+    // Initialize PIN vault, scoped to the active wallet so one wallet's stored passphrase is never
+    // offered for another (the default wallet keeps the legacy vault.dat).
+    vault_ = std::make_unique<util::SecureVault>(settings_ ? settings_->getActiveWalletFile() : "");
 
     // Theme is now applied via SkinManager below after UISchema loads.
     // The old SetThemeById() C++ fallback is no longer needed at startup
@@ -634,12 +635,7 @@ void App::rebuildLiteWallet(bool force)
     // A rebuilt controller may back a different wallet (server switch / re-open); drop any chat
     // identity + decrypted messages, lock the DB, and re-arm provisioning so it re-derives (and
     // reloads the right wallet's history) from the newly opened wallet's seed.
-    chat_service_.clearIdentity();
-    chat_service_.store().clear();
-    chat_db_.lock();
-    chat_identity_provisioned_ = false;
-    chat_identity_fetch_in_flight_ = false;
-    chat_identity_unavailable_ = false;
+    resetChatSession();
 }
 
 void App::update()
diff --git a/src/app.h b/src/app.h
index 4bac1c1..281559b 100644
--- a/src/app.h
+++ b/src/app.h
@@ -658,6 +658,10 @@ private:
     // variants); derives via deriveChatIdentityFromSecret and wipes the secret. No-op when the
     // feature is off, already provisioned, in flight, or unavailable.
     void maybeProvisionChatIdentity();
+    // Drop the in-memory chat identity + decrypted message store, lock the chat DB, and re-arm
+    // provisioning. MUST be called whenever the loaded wallet changes (switch / seed-migration adopt)
+    // so wallet A's private chat can't surface — or be signed with A's keys — under wallet B.
+    void resetChatSession();
     // One-time nudge: on a full-node wallet that has a mnemonic, remind the user (once per
     // install) to back up their seed phrase. Cheap early-outs keep it idle until it can act.
     void maybeRemindSeedBackup();
diff --git a/src/app_network.cpp b/src/app_network.cpp
index e9e2b70..6d0952b 100644
--- a/src/app_network.cpp
+++ b/src/app_network.cpp
@@ -1046,6 +1046,17 @@ void App::switchToWallet(const std::string& walletFile)
     settings_->setActiveWalletFile(walletFile);
     settings_->save();
 
+    // Re-scope the PIN vault to the new wallet (its own vault-<scope>.dat), and clear any carried-over
+    // lock-screen attempt/lockout state + wipe the passphrase/PIN entry buffers — the previous wallet's
+    // failed-unlock counter and typed secrets must not apply to the new wallet.
+    if (vault_) vault_->setWalletScope(walletFile);
+    lock_attempts_ = 0;
+    lock_lockout_timer_ = 0.0f;
+    lock_error_msg_.clear();
+    lock_error_timer_ = 0.0f;
+    util::SecureVault::secureZero(lock_passphrase_buf_, sizeof(lock_passphrase_buf_));
+    util::SecureVault::secureZero(lock_pin_buf_, sizeof(lock_pin_buf_));
+
     // Same restart coordination as the seed-adopt flow: gate the main-loop reconnect, disconnect,
     // then stop + restart on a background thread. syncSettings() re-reads active_wallet_file on
     // start, so the daemon comes up on -wallet=<name>. WalletState clears on disconnect and the
@@ -1053,6 +1064,10 @@ void App::switchToWallet(const std::string& walletFile)
     daemon_restarting_ = true;
     if (rpc_ && rpc_->isConnected()) rpc_->disconnect();
     onDisconnected("Switching wallet");
+    // The loaded wallet is changing — drop the old wallet's chat identity + decrypted store so it
+    // can't surface (or sign outgoing chat) under the new wallet. It re-provisions from the new
+    // wallet's seed once it connects. onDisconnected alone doesn't cover chat.
+    resetChatSession();
     ui::Notifications::instance().info("Switching wallet — the node will restart…");
 
     async_tasks_.submit("Switch wallet", [this, needRescan](const util::AsyncTaskManager::Token&) {
@@ -2506,6 +2521,18 @@ void App::provisionChatIdentityFromSecret(std::string secret)
 // tick; cheap early-outs keep it idle until it can act. Both variants derive the SAME identity
 // because they feed the SAME SDXLite-compatible mnemonic into the KDF (identity derivation is
 // local — peers only ever exchange public keys).
+void App::resetChatSession()
+{
+    if (!chat::hushChatFeatureEnabledAtBuild()) return;  // constexpr — folds away in OFF builds
+    // Drop identity + decrypted plaintext in RAM, lock the seed-encrypted DB, re-arm provisioning.
+    chat_service_.clearIdentity();
+    chat_service_.store().clear();
+    chat_db_.lock();
+    chat_identity_provisioned_ = false;
+    chat_identity_fetch_in_flight_ = false;
+    chat_identity_unavailable_ = false;
+}
+
 void App::maybeProvisionChatIdentity()
 {
     if (!chat::hushChatFeatureEnabledAtBuild()) return;  // constexpr — folds away in OFF builds
@@ -2514,13 +2541,7 @@ void App::maybeProvisionChatIdentity()
     // in-memory identity and re-arm so it re-derives on the next unlock. Unencrypted wallets report
     // isLocked()==false and fall through.
     if (state_.isLocked()) {
-        if (chat_identity_provisioned_ || chat_service_.hasIdentity()) {
-            chat_service_.clearIdentity();
-            chat_service_.store().clear();  // decrypted plaintext in RAM — drop it; DB reloads on unlock
-            chat_db_.lock();
-            chat_identity_provisioned_ = false;
-            chat_identity_unavailable_ = false;
-        }
+        if (chat_identity_provisioned_ || chat_service_.hasIdentity()) resetChatSession();
         return;
     }
 
@@ -3429,6 +3450,9 @@ void App::beginAdoptSeedWallet()
     daemon_restarting_ = true;
     if (rpc_ && rpc_->isConnected()) rpc_->disconnect();
     onDisconnected("Adopting seed wallet");
+    // Adopting swaps in a brand-new seed wallet — drop the legacy wallet's chat identity + store so
+    // it re-derives from the new seed (the file name is unchanged, so nothing else detects the swap).
+    resetChatSession();
     const std::string base = seed_migration_temp_dir_;
     async_tasks_.submit("Adopt seed wallet", [this, base](const util::AsyncTaskManager::Token&) {
         namespace fs = std::filesystem;
diff --git a/src/util/secure_vault.cpp b/src/util/secure_vault.cpp
index e8a885c..04ea30a 100644
--- a/src/util/secure_vault.cpp
+++ b/src/util/secure_vault.cpp
@@ -9,6 +9,7 @@
 
 #include <fstream>
 #include <filesystem>
+#include <cctype>
 #include <cstring>
 #include <algorithm>
 #include "../util/logger.h"
@@ -31,18 +32,31 @@ static constexpr uint8_t VAULT_VERSION = 0x01;
 static constexpr unsigned long long ARGON2_MEMLIMIT = crypto_pwhash_MEMLIMIT_MODERATE;
 static constexpr unsigned long long ARGON2_OPSLIMIT = crypto_pwhash_OPSLIMIT_MODERATE;
 
-SecureVault::SecureVault() {
+SecureVault::SecureVault(const std::string& walletFile) {
     // Ensure libsodium is initialized
     if (sodium_init() < 0) {
         // sodium_init returns 0 on success, 1 if already initialized, -1 on failure
         // We'll proceed anyway — the functions will fail gracefully
     }
+    setWalletScope(walletFile);
 }
 
 SecureVault::~SecureVault() = default;
 
-std::string SecureVault::getVaultPath() {
-    return (fs::path(Platform::getConfigDir()) / "vault.dat").string();
+void SecureVault::setWalletScope(const std::string& walletFile) {
+    // The default wallet keeps the legacy global "vault.dat" (empty scope) for backward compatibility;
+    // any other wallet gets a filesystem-safe per-wallet tag so its vault is separate.
+    if (walletFile.empty() || walletFile == "wallet.dat") { scope_.clear(); return; }
+    std::string s;
+    s.reserve(walletFile.size());
+    for (unsigned char c : walletFile)
+        s += (std::isalnum(c) || c == '-' || c == '_') ? static_cast<char>(c) : '_';
+    scope_ = s;
+}
+
+std::string SecureVault::getVaultPath() const {
+    const std::string name = scope_.empty() ? std::string("vault.dat") : ("vault-" + scope_ + ".dat");
+    return (fs::path(Platform::getConfigDir()) / name).string();
 }
 
 bool SecureVault::hasVault() const {
diff --git a/src/util/secure_vault.h b/src/util/secure_vault.h
index 621af13..739fc1d 100644
--- a/src/util/secure_vault.h
+++ b/src/util/secure_vault.h
@@ -29,9 +29,15 @@ namespace util {
  */
 class SecureVault {
 public:
-    SecureVault();
+    // `walletFile` scopes the vault to a specific wallet.dat so one wallet's PIN passphrase is never
+    // offered for another. The default wallet ("wallet.dat" / empty) keeps the legacy global vault.dat
+    // path for backward compatibility; other wallets get their own vault-<scope>.dat.
+    explicit SecureVault(const std::string& walletFile = "");
     ~SecureVault();
 
+    // Re-scope to a different wallet (called when the active wallet changes).
+    void setWalletScope(const std::string& walletFile);
+
     /**
      * @brief Check if a vault file exists on disk
      */
@@ -78,15 +84,17 @@ public:
     static void secureZero(void* ptr, size_t len);
 
     /**
-     * @brief Get the vault file path
+     * @brief Get this vault's file path (scoped to its wallet)
      */
-    static std::string getVaultPath();
+    std::string getVaultPath() const;
 
 private:
     // Derive a 32-byte key from PIN + salt using Argon2id
     bool deriveKey(const std::string& pin,
                    const uint8_t* salt, size_t saltLen,
                    uint8_t* key, size_t keyLen) const;
+
+    std::string scope_;   // "" = default/legacy wallet (vault.dat); else a sanitized wallet-file tag
 };
 
 } // namespace util