diff --git a/src/init.cpp b/src/init.cpp
--- a/src/init.cpp
+++ b/src/init.cpp
@@ -46,7 +46,6 @@
 #ifdef ENABLE_WALLET
 #include "wallet/init.h"
 #include "wallet/rpcdump.h"
-#include "wallet/wallet.h"
 #endif
 #include "warnings.h"
 
@@ -191,9 +190,7 @@
     StopRPC();
     StopHTTPServer();
 #ifdef ENABLE_WALLET
-    for (CWalletRef pwallet : vpwallets) {
-        pwallet->Flush(false);
-    }
+    FlushWallets();
 #endif
     StopMapPort();
 
@@ -250,9 +247,7 @@
         pblocktree.reset();
     }
 #ifdef ENABLE_WALLET
-    for (CWalletRef pwallet : vpwallets) {
-        pwallet->Flush(true);
-    }
+    StopWallets();
 #endif
 
 #if ENABLE_ZMQ
@@ -273,10 +268,7 @@
     UnregisterAllValidationInterfaces();
     GetMainSignals().UnregisterBackgroundSignalScheduler();
 #ifdef ENABLE_WALLET
-    for (CWalletRef pwallet : vpwallets) {
-        delete pwallet;
-    }
-    vpwallets.clear();
+    CloseWallets();
 #endif
     globalVerifyHandle.reset();
     ECC_Stop();
@@ -1580,7 +1572,7 @@
 
     RegisterAllRPCCommands(config, rpcServer, tableRPC);
 #ifdef ENABLE_WALLET
-    RegisterWalletRPCCommands(tableRPC);
+    RegisterWalletRPC(tableRPC);
     RegisterDumpRPCCommands(tableRPC);
 #endif
 
@@ -1817,7 +1809,7 @@
 
 // Step 5: verify wallet database integrity
 #ifdef ENABLE_WALLET
-    if (!WalletVerify(chainparams)) {
+    if (!VerifyWallets(chainparams)) {
         return false;
     }
 #endif
@@ -2205,7 +2197,7 @@
 
 // Step 8: load wallet
 #ifdef ENABLE_WALLET
-    if (!InitLoadWallet(chainparams)) {
+    if (!OpenWallets(chainparams)) {
         return false;
     }
 #else
@@ -2348,9 +2340,7 @@
     uiInterface.InitMessage(_("Done loading"));
 
 #ifdef ENABLE_WALLET
-    for (CWalletRef pwallet : vpwallets) {
-        pwallet->postInitProcess(scheduler);
-    }
+    StartWallets(scheduler);
 #endif
 
     return !fRequestShutdown;
diff --git a/src/wallet/init.h b/src/wallet/init.h
--- a/src/wallet/init.h
+++ b/src/wallet/init.h
@@ -11,6 +11,9 @@
 
 #include <string>
 
+class CRPCTable;
+class CScheduler;
+
 /**
  * Return the wallets help message.
  */
@@ -21,20 +24,37 @@
  */
 bool WalletParameterInteraction();
 
+/**
+ * Register wallet RPCs.
+ */
+void RegisterWalletRPC(CRPCTable &tableRPC);
+
 /**
  * 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 (CWallet::ParameterInteraction forbids -salvagewallet,
+ * being loaded (WalletParameterInteraction forbids -salvagewallet,
  * -zapwallettxes or -upgradewallet with multiwallet).
  */
 
-bool WalletVerify(const CChainParams &chainParams);
+bool VerifyWallets(const CChainParams &chainParams);
 
 /**
  * Load wallet databases.
  */
-bool InitLoadWallet(const CChainParams &chainParams);
+bool OpenWallets(const CChainParams &chainParams);
+
+//! 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 CloseWallets();
 
 #endif // BITCOIN_WALLET_INIT_H
diff --git a/src/wallet/init.cpp b/src/wallet/init.cpp
--- a/src/wallet/init.cpp
+++ b/src/wallet/init.cpp
@@ -11,6 +11,7 @@
 #include "util.h"
 #include "utilmoneystr.h"
 #include "validation.h"
+#include "wallet/rpcwallet.h"
 #include "wallet/wallet.h"
 
 std::string GetWalletHelpString(bool showDebug) {
@@ -249,7 +250,15 @@
     return true;
 }
 
-bool WalletVerify(const CChainParams &chainParams) {
+void RegisterWalletRPC(CRPCTable &t) {
+    if (gArgs.GetBoolArg("-disablewallet", false)) {
+        return;
+    }
+
+    RegisterWalletRPCCommands(t);
+}
+
+bool VerifyWallets(const CChainParams &chainParams) {
     if (gArgs.GetBoolArg("-disablewallet", DEFAULT_DISABLE_WALLET)) {
         return true;
     }
@@ -320,7 +329,7 @@
     return true;
 }
 
-bool InitLoadWallet(const CChainParams &chainParams) {
+bool OpenWallets(const CChainParams &chainParams) {
     if (gArgs.GetBoolArg("-disablewallet", DEFAULT_DISABLE_WALLET)) {
         LogPrintf("Wallet disabled!\n");
         return true;
@@ -337,3 +346,28 @@
 
     return true;
 }
+
+void StartWallets(CScheduler &scheduler) {
+    for (CWalletRef pwallet : vpwallets) {
+        pwallet->postInitProcess(scheduler);
+    }
+}
+
+void FlushWallets() {
+    for (CWalletRef pwallet : vpwallets) {
+        pwallet->Flush(false);
+    }
+}
+
+void StopWallets() {
+    for (CWalletRef pwallet : vpwallets) {
+        pwallet->Flush(true);
+    }
+}
+
+void CloseWallets() {
+    for (CWalletRef pwallet : vpwallets) {
+        delete pwallet;
+    }
+    vpwallets.clear();
+}
diff --git a/src/wallet/rpcwallet.h b/src/wallet/rpcwallet.h
--- a/src/wallet/rpcwallet.h
+++ b/src/wallet/rpcwallet.h
@@ -5,7 +5,10 @@
 #ifndef BITCOIN_WALLET_RPCWALLET_H
 #define BITCOIN_WALLET_RPCWALLET_H
 
+#include <string>
+
 class CRPCTable;
+class CWallet;
 class JSONRPCRequest;
 class CWallet;
 
diff --git a/src/wallet/rpcwallet.cpp b/src/wallet/rpcwallet.cpp
--- a/src/wallet/rpcwallet.cpp
+++ b/src/wallet/rpcwallet.cpp
@@ -3695,10 +3695,6 @@
 // clang-format on
 
 void RegisterWalletRPCCommands(CRPCTable &t) {
-    if (gArgs.GetBoolArg("-disablewallet", false)) {
-        return;
-    }
-
     for (unsigned int vcidx = 0; vcidx < ARRAYLEN(commands); vcidx++) {
         t.appendCommand(commands[vcidx].name, &commands[vcidx]);
     }