diff --git a/src/bench/coin_selection.cpp b/src/bench/coin_selection.cpp
index 27c23d683..decdadfb2 100644
--- a/src/bench/coin_selection.cpp
+++ b/src/bench/coin_selection.cpp
@@ -33,7 +33,7 @@ static void addCoin(const CAmount& nValue, const CWallet& wallet, std::vector<Ou
 // (https://github.com/bitcoin/bitcoin/issues/7883#issuecomment-224807484)
 static void CoinSelection(benchmark::State& state)
 {
-    const CWallet wallet("dummy", WalletDatabase::CreateDummy());
+    const CWallet wallet(WalletLocation(), WalletDatabase::CreateDummy());
     LOCK(wallet.cs_wallet);
 
     // Add coins.
@@ -57,7 +57,7 @@ static void CoinSelection(benchmark::State& state)
 }
 
 typedef std::set<CInputCoin> CoinSet;
-static const CWallet testWallet("dummy", WalletDatabase::CreateDummy());
+static const CWallet testWallet(WalletLocation(), WalletDatabase::CreateDummy());
 std::vector<std::unique_ptr<CWalletTx>> wtxn;
 
 // Copied from src/wallet/test/coinselector_tests.cpp
diff --git a/src/qt/test/addressbooktests.cpp b/src/qt/test/addressbooktests.cpp
index e6777c068..0cabb5f0b 100644
--- a/src/qt/test/addressbooktests.cpp
+++ b/src/qt/test/addressbooktests.cpp
@@ -56,7 +56,7 @@ void EditAddressAndSubmit(
 void TestAddAddressesToSendBook()
 {
     TestChain100Setup test;
-    std::shared_ptr<CWallet> wallet = std::make_shared<CWallet>("mock", WalletDatabase::CreateMock());
+    std::shared_ptr<CWallet> wallet = std::make_shared<CWallet>(WalletLocation(), WalletDatabase::CreateMock());
     bool firstRun;
     wallet->LoadWallet(firstRun);
 
diff --git a/src/qt/test/wallettests.cpp b/src/qt/test/wallettests.cpp
index fcc5806b8..12dbf922f 100644
--- a/src/qt/test/wallettests.cpp
+++ b/src/qt/test/wallettests.cpp
@@ -132,7 +132,7 @@ void TestGUI()
     for (int i = 0; i < 5; ++i) {
         test.CreateAndProcessBlock({}, GetScriptForRawPubKey(test.coinbaseKey.GetPubKey()));
     }
-    std::shared_ptr<CWallet> wallet = std::make_shared<CWallet>("mock", WalletDatabase::CreateMock());
+    std::shared_ptr<CWallet> wallet = std::make_shared<CWallet>(WalletLocation(), WalletDatabase::CreateMock());
     bool firstRun;
     wallet->LoadWallet(firstRun);
     {
diff --git a/src/wallet/init.cpp b/src/wallet/init.cpp
index 46983642f..ad22fe4a5 100644
--- a/src/wallet/init.cpp
+++ b/src/wallet/init.cpp
@@ -211,15 +211,15 @@ bool WalletInit::Verify() const
     std::set<fs::path> wallet_paths;
 
     for (const auto& wallet_file : wallet_files) {
-        fs::path wallet_path = fs::absolute(wallet_file, GetWalletDir());
+        WalletLocation location(wallet_file);
 
-        if (!wallet_paths.insert(wallet_path).second) {
+        if (!wallet_paths.insert(location.GetPath()).second) {
             return InitError(strprintf(_("Error loading wallet %s. Duplicate -wallet filename specified."), wallet_file));
         }
 
         std::string error_string;
         std::string warning_string;
-        bool verify_success = CWallet::Verify(wallet_file, salvage_wallet, error_string, warning_string);
+        bool verify_success = CWallet::Verify(location, salvage_wallet, error_string, warning_string);
         if (!error_string.empty()) InitError(error_string);
         if (!warning_string.empty()) InitWarning(warning_string);
         if (!verify_success) return false;
@@ -236,7 +236,7 @@ bool WalletInit::Open() const
     }
 
     for (const std::string& walletFile : gArgs.GetArgs("-wallet")) {
-        std::shared_ptr<CWallet> pwallet = CWallet::CreateWalletFromFile(walletFile, fs::absolute(walletFile, GetWalletDir()));
+        std::shared_ptr<CWallet> pwallet = CWallet::CreateWalletFromFile(WalletLocation(walletFile));
         if (!pwallet) {
             return false;
         }
diff --git a/src/wallet/rpcwallet.cpp b/src/wallet/rpcwallet.cpp
index dc39ba300..8226bb85c 100644
--- a/src/wallet/rpcwallet.cpp
+++ b/src/wallet/rpcwallet.cpp
@@ -2405,26 +2405,26 @@ static UniValue loadwallet(const JSONRPCRequest& request)
             + HelpExampleCli("loadwallet", "\"test.dat\"")
             + HelpExampleRpc("loadwallet", "\"test.dat\"")
         );
-    std::string wallet_file = request.params[0].get_str();
+
+    WalletLocation location(request.params[0].get_str());
     std::string error;
 
-    fs::path wallet_path = fs::absolute(wallet_file, GetWalletDir());
-    if (fs::symlink_status(wallet_path).type() == fs::file_not_found) {
-        throw JSONRPCError(RPC_WALLET_NOT_FOUND, "Wallet " + wallet_file + " not found.");
-    } else if (fs::is_directory(wallet_path)) {
+    if (!location.Exists()) {
+        throw JSONRPCError(RPC_WALLET_NOT_FOUND, "Wallet " + location.GetName() + " not found.");
+    } else if (fs::is_directory(location.GetPath())) {
         // The given filename is a directory. Check that there's a wallet.dat file.
-        fs::path wallet_dat_file = wallet_path / "wallet.dat";
+        fs::path wallet_dat_file = location.GetPath() / "wallet.dat";
         if (fs::symlink_status(wallet_dat_file).type() == fs::file_not_found) {
-            throw JSONRPCError(RPC_WALLET_NOT_FOUND, "Directory " + wallet_file + " does not contain a wallet.dat file.");
+            throw JSONRPCError(RPC_WALLET_NOT_FOUND, "Directory " + location.GetName() + " does not contain a wallet.dat file.");
         }
     }
 
     std::string warning;
-    if (!CWallet::Verify(wallet_file, false, error, warning)) {
+    if (!CWallet::Verify(location, false, error, warning)) {
         throw JSONRPCError(RPC_WALLET_ERROR, "Wallet file verification failed: " + error);
     }
 
-    std::shared_ptr<CWallet> const wallet = CWallet::CreateWalletFromFile(wallet_file, fs::absolute(wallet_file, GetWalletDir()));
+    std::shared_ptr<CWallet> const wallet = CWallet::CreateWalletFromFile(location);
     if (!wallet) {
         throw JSONRPCError(RPC_WALLET_ERROR, "Wallet loading failed.");
     }
@@ -2458,7 +2458,6 @@ static UniValue createwallet(const JSONRPCRequest& request)
             + HelpExampleRpc("createwallet", "\"testwallet\"")
         );
     }
-    std::string wallet_name = request.params[0].get_str();
     std::string error;
     std::string warning;
 
@@ -2467,17 +2466,17 @@ static UniValue createwallet(const JSONRPCRequest& request)
         disable_privatekeys = request.params[1].get_bool();
     }
 
-    fs::path wallet_path = fs::absolute(wallet_name, GetWalletDir());
-    if (fs::symlink_status(wallet_path).type() != fs::file_not_found) {
-        throw JSONRPCError(RPC_WALLET_ERROR, "Wallet " + wallet_name + " already exists.");
+    WalletLocation location(request.params[0].get_str());
+    if (location.Exists()) {
+        throw JSONRPCError(RPC_WALLET_ERROR, "Wallet " + location.GetName() + " already exists.");
     }
 
     // Wallet::Verify will check if we're trying to create a wallet with a duplication name.
-    if (!CWallet::Verify(wallet_name, false, error, warning)) {
+    if (!CWallet::Verify(location, false, error, warning)) {
         throw JSONRPCError(RPC_WALLET_ERROR, "Wallet file verification failed: " + error);
     }
 
-    std::shared_ptr<CWallet> const wallet = CWallet::CreateWalletFromFile(wallet_name, fs::absolute(wallet_name, GetWalletDir()), (disable_privatekeys ? (uint64_t)WALLET_FLAG_DISABLE_PRIVATE_KEYS : 0));
+    std::shared_ptr<CWallet> const wallet = CWallet::CreateWalletFromFile(location, (disable_privatekeys ? (uint64_t)WALLET_FLAG_DISABLE_PRIVATE_KEYS : 0));
     if (!wallet) {
         throw JSONRPCError(RPC_WALLET_ERROR, "Wallet creation failed.");
     }
diff --git a/src/wallet/test/coinselector_tests.cpp b/src/wallet/test/coinselector_tests.cpp
index 21857df08..a9464870e 100644
--- a/src/wallet/test/coinselector_tests.cpp
+++ b/src/wallet/test/coinselector_tests.cpp
@@ -28,7 +28,7 @@ std::vector<std::unique_ptr<CWalletTx>> wtxn;
 typedef std::set<CInputCoin> CoinSet;
 
 static std::vector<COutput> vCoins;
-static CWallet testWallet("dummy", WalletDatabase::CreateDummy());
+static CWallet testWallet(WalletLocation(), WalletDatabase::CreateDummy());
 static CAmount balance = 0;
 
 CoinEligibilityFilter filter_standard(1, 6, 0);
diff --git a/src/wallet/test/wallet_test_fixture.cpp b/src/wallet/test/wallet_test_fixture.cpp
index de59b6034..d42209ab1 100644
--- a/src/wallet/test/wallet_test_fixture.cpp
+++ b/src/wallet/test/wallet_test_fixture.cpp
@@ -6,9 +6,10 @@
 
 #include <rpc/server.h>
 #include <wallet/db.h>
+#include <wallet/rpcwallet.h>
 
 WalletTestingSetup::WalletTestingSetup(const std::string& chainName):
-    TestingSetup(chainName), m_wallet("mock", WalletDatabase::CreateMock())
+    TestingSetup(chainName), m_wallet(WalletLocation(), WalletDatabase::CreateMock())
 {
     bool fFirstRun;
     m_wallet.LoadWallet(fFirstRun);
diff --git a/src/wallet/test/wallet_tests.cpp b/src/wallet/test/wallet_tests.cpp
index 3a8e6f751..269a91682 100644
--- a/src/wallet/test/wallet_tests.cpp
+++ b/src/wallet/test/wallet_tests.cpp
@@ -46,7 +46,7 @@ BOOST_FIXTURE_TEST_CASE(rescan, TestChain100Setup)
     // Verify ScanForWalletTransactions picks up transactions in both the old
     // and new block files.
     {
-        CWallet wallet("dummy", WalletDatabase::CreateDummy());
+        CWallet wallet(WalletLocation(), WalletDatabase::CreateDummy());
         AddKey(wallet, coinbaseKey);
         WalletRescanReserver reserver(&wallet);
         reserver.reserve();
@@ -61,7 +61,7 @@ BOOST_FIXTURE_TEST_CASE(rescan, TestChain100Setup)
     // Verify ScanForWalletTransactions only picks transactions in the new block
     // file.
     {
-        CWallet wallet("dummy", WalletDatabase::CreateDummy());
+        CWallet wallet(WalletLocation(), WalletDatabase::CreateDummy());
         AddKey(wallet, coinbaseKey);
         WalletRescanReserver reserver(&wallet);
         reserver.reserve();
@@ -73,7 +73,7 @@ BOOST_FIXTURE_TEST_CASE(rescan, TestChain100Setup)
     // before the missing block, and success for a key whose creation time is
     // after.
     {
-        std::shared_ptr<CWallet> wallet = std::make_shared<CWallet>("dummy", WalletDatabase::CreateDummy());
+        std::shared_ptr<CWallet> wallet = std::make_shared<CWallet>(WalletLocation(), WalletDatabase::CreateDummy());
         AddWallet(wallet);
         UniValue keys;
         keys.setArray();
@@ -134,7 +134,7 @@ BOOST_FIXTURE_TEST_CASE(importwallet_rescan, TestChain100Setup)
 
     // Import key into wallet and call dumpwallet to create backup file.
     {
-        std::shared_ptr<CWallet> wallet = std::make_shared<CWallet>("dummy", WalletDatabase::CreateDummy());
+        std::shared_ptr<CWallet> wallet = std::make_shared<CWallet>(WalletLocation(), WalletDatabase::CreateDummy());
         LOCK(wallet->cs_wallet);
         wallet->mapKeyMetadata[coinbaseKey.GetPubKey().GetID()].nCreateTime = KEY_TIME;
         wallet->AddKeyPubKey(coinbaseKey, coinbaseKey.GetPubKey());
@@ -150,7 +150,7 @@ BOOST_FIXTURE_TEST_CASE(importwallet_rescan, TestChain100Setup)
     // Call importwallet RPC and verify all blocks with timestamps >= BLOCK_TIME
     // were scanned, and no prior blocks were scanned.
     {
-        std::shared_ptr<CWallet> wallet = std::make_shared<CWallet>("dummy", WalletDatabase::CreateDummy());
+        std::shared_ptr<CWallet> wallet = std::make_shared<CWallet>(WalletLocation(), WalletDatabase::CreateDummy());
 
         JSONRPCRequest request;
         request.params.setArray();
@@ -180,7 +180,7 @@ BOOST_FIXTURE_TEST_CASE(importwallet_rescan, TestChain100Setup)
 // debit functions.
 BOOST_FIXTURE_TEST_CASE(coin_mark_dirty_immature_credit, TestChain100Setup)
 {
-    CWallet wallet("dummy", WalletDatabase::CreateDummy());
+    CWallet wallet(WalletLocation(), WalletDatabase::CreateDummy());
     CWalletTx wtx(&wallet, m_coinbase_txns.back());
     LOCK2(cs_main, wallet.cs_wallet);
     wtx.hashBlock = chainActive.Tip()->GetBlockHash();
@@ -273,7 +273,7 @@ public:
     ListCoinsTestingSetup()
     {
         CreateAndProcessBlock({}, GetScriptForRawPubKey(coinbaseKey.GetPubKey()));
-        wallet = MakeUnique<CWallet>("mock", WalletDatabase::CreateMock());
+        wallet = MakeUnique<CWallet>(WalletLocation(), WalletDatabase::CreateMock());
         bool firstRun;
         wallet->LoadWallet(firstRun);
         AddKey(*wallet, coinbaseKey);
@@ -377,7 +377,7 @@ BOOST_FIXTURE_TEST_CASE(ListCoins, ListCoinsTestingSetup)
 
 BOOST_FIXTURE_TEST_CASE(wallet_disableprivkeys, TestChain100Setup)
 {
-    std::shared_ptr<CWallet> wallet = std::make_shared<CWallet>("dummy", WalletDatabase::CreateDummy());
+    std::shared_ptr<CWallet> wallet = std::make_shared<CWallet>(WalletLocation(), WalletDatabase::CreateDummy());
     wallet->SetWalletFlag(WALLET_FLAG_DISABLE_PRIVATE_KEYS);
     BOOST_CHECK(!wallet->TopUpKeyPool(1000));
     CPubKey pubkey;
diff --git a/src/wallet/wallet.cpp b/src/wallet/wallet.cpp
index 29014790e..dc7369df8 100644
--- a/src/wallet/wallet.cpp
+++ b/src/wallet/wallet.cpp
@@ -27,7 +27,6 @@
 #include <txmempool.h>
 #include <utilmoneystr.h>
 #include <wallet/fees.h>
-#include <wallet/walletutil.h>
 
 #include <algorithm>
 #include <assert.h>
@@ -3821,7 +3820,7 @@ void CWallet::MarkPreSplitKeys()
     }
 }
 
-bool CWallet::Verify(std::string wallet_file, bool salvage_wallet, std::string& error_string, std::string& warning_string)
+bool CWallet::Verify(const WalletLocation& location, bool salvage_wallet, std::string& error_string, std::string& warning_string)
 {
     // Do some checking on wallet path. It should be either a:
     //
@@ -3830,23 +3829,23 @@ bool CWallet::Verify(std::string wallet_file, bool salvage_wallet, std::string&
     // 3. Path to a symlink to a directory.
     // 4. For backwards compatibility, the name of a data file in -walletdir.
     LOCK(cs_wallets);
-    fs::path wallet_path = fs::absolute(wallet_file, GetWalletDir());
+    const fs::path& wallet_path = location.GetPath();
     fs::file_type path_type = fs::symlink_status(wallet_path).type();
     if (!(path_type == fs::file_not_found || path_type == fs::directory_file ||
           (path_type == fs::symlink_file && fs::is_directory(wallet_path)) ||
-          (path_type == fs::regular_file && fs::path(wallet_file).filename() == wallet_file))) {
+          (path_type == fs::regular_file && fs::path(location.GetName()).filename() == location.GetName()))) {
         error_string = strprintf(
               "Invalid -wallet path '%s'. -wallet path should point to a directory where wallet.dat and "
               "database/log.?????????? files can be stored, a location where such a directory could be created, "
               "or (for backwards compatibility) the name of an existing data file in -walletdir (%s)",
-              wallet_file, GetWalletDir());
+              location.GetName(), GetWalletDir());
         return false;
     }
 
     // Make sure that the wallet path doesn't clash with an existing wallet path
     for (auto wallet : GetWallets()) {
-        if (fs::absolute(wallet->GetName(), GetWalletDir()) == wallet_path) {
-            error_string = strprintf("Error loading wallet %s. Duplicate -wallet filename specified.", wallet_file);
+        if (wallet->GetLocation().GetPath() == wallet_path) {
+            error_string = strprintf("Error loading wallet %s. Duplicate -wallet filename specified.", location.GetName());
             return false;
         }
     }
@@ -3856,13 +3855,13 @@ bool CWallet::Verify(std::string wallet_file, bool salvage_wallet, std::string&
             return false;
         }
     } catch (const fs::filesystem_error& e) {
-        error_string = strprintf("Error loading wallet %s. %s", wallet_file, fsbridge::get_filesystem_error_message(e));
+        error_string = strprintf("Error loading wallet %s. %s", location.GetName(), fsbridge::get_filesystem_error_message(e));
         return false;
     }
 
     if (salvage_wallet) {
         // Recover readable keypairs:
-        CWallet dummyWallet("dummy", WalletDatabase::CreateDummy());
+        CWallet dummyWallet(WalletLocation(), WalletDatabase::CreateDummy());
         std::string backup_filename;
         if (!WalletBatch::Recover(wallet_path, (void *)&dummyWallet, WalletBatch::RecoverKeysOnlyFilter, backup_filename)) {
             return false;
@@ -3872,9 +3871,9 @@ bool CWallet::Verify(std::string wallet_file, bool salvage_wallet, std::string&
     return WalletBatch::VerifyDatabaseFile(wallet_path, warning_string, error_string);
 }
 
-std::shared_ptr<CWallet> CWallet::CreateWalletFromFile(const std::string& name, const fs::path& path, uint64_t wallet_creation_flags)
+std::shared_ptr<CWallet> CWallet::CreateWalletFromFile(const WalletLocation& location, uint64_t wallet_creation_flags)
 {
-    const std::string& walletFile = name;
+    const std::string& walletFile = location.GetName();
 
     // needed to restore wallet transaction meta data after -zapwallettxes
     std::vector<CWalletTx> vWtx;
@@ -3882,7 +3881,7 @@ std::shared_ptr<CWallet> CWallet::CreateWalletFromFile(const std::string& name,
     if (gArgs.GetBoolArg("-zapwallettxes", false)) {
         uiInterface.InitMessage(_("Zapping all transactions from wallet..."));
 
-        std::unique_ptr<CWallet> tempWallet = MakeUnique<CWallet>(name, WalletDatabase::Create(path));
+        std::unique_ptr<CWallet> tempWallet = MakeUnique<CWallet>(location, WalletDatabase::Create(location.GetPath()));
         DBErrors nZapWalletRet = tempWallet->ZapWalletTx(vWtx);
         if (nZapWalletRet != DBErrors::LOAD_OK) {
             InitError(strprintf(_("Error loading %s: Wallet corrupted"), walletFile));
@@ -3896,7 +3895,7 @@ std::shared_ptr<CWallet> CWallet::CreateWalletFromFile(const std::string& name,
     bool fFirstRun = true;
     // TODO: Can't use std::make_shared because we need a custom deleter but
     // should be possible to use std::allocate_shared.
-    std::shared_ptr<CWallet> walletInstance(new CWallet(name, WalletDatabase::Create(path)), ReleaseWallet);
+    std::shared_ptr<CWallet> walletInstance(new CWallet(location, WalletDatabase::Create(location.GetPath())), ReleaseWallet);
     DBErrors nLoadWalletRet = walletInstance->LoadWallet(fFirstRun);
     if (nLoadWalletRet != DBErrors::LOAD_OK)
     {
diff --git a/src/wallet/wallet.h b/src/wallet/wallet.h
index e6e23ab24..f365a2bb3 100644
--- a/src/wallet/wallet.h
+++ b/src/wallet/wallet.h
@@ -20,7 +20,7 @@
 #include <wallet/crypter.h>
 #include <wallet/coinselection.h>
 #include <wallet/walletdb.h>
-#include <wallet/rpcwallet.h>
+#include <wallet/walletutil.h>
 
 #include <algorithm>
 #include <atomic>
@@ -676,12 +676,8 @@ private:
      */
     bool AddWatchOnly(const CScript& dest) override EXCLUSIVE_LOCKS_REQUIRED(cs_wallet);
 
-    /**
-     * Wallet filename from wallet=<path> command line or config option.
-     * Used in debug logs and to send RPCs to the right wallet instance when
-     * more than one wallet is loaded.
-     */
-    std::string m_name;
+    /** Wallet location which includes wallet name (see WalletLocation). */
+    WalletLocation m_location;
 
     /** Internal database handle. */
     std::unique_ptr<WalletDatabase> database;
@@ -721,9 +717,11 @@ public:
     bool SelectCoins(const std::vector<COutput>& vAvailableCoins, const CAmount& nTargetValue, std::set<CInputCoin>& setCoinsRet, CAmount& nValueRet,
                     const CCoinControl& coin_control, CoinSelectionParams& coin_selection_params, bool& bnb_used) const EXCLUSIVE_LOCKS_REQUIRED(cs_wallet);
 
+    const WalletLocation& GetLocation() const { return m_location; }
+
     /** Get a name for this wallet for logging/debugging purposes.
      */
-    const std::string& GetName() const { return m_name; }
+    const std::string& GetName() const { return m_location.GetName(); }
 
     void LoadKeyPool(int64_t nIndex, const CKeyPool &keypool) EXCLUSIVE_LOCKS_REQUIRED(cs_wallet);
     void MarkPreSplitKeys() EXCLUSIVE_LOCKS_REQUIRED(cs_wallet);
@@ -739,7 +737,7 @@ public:
     unsigned int nMasterKeyMaxID = 0;
 
     /** Construct wallet with specified name and database implementation. */
-    CWallet(std::string name, std::unique_ptr<WalletDatabase> database) : m_name(std::move(name)), database(std::move(database))
+    CWallet(const WalletLocation& location, std::unique_ptr<WalletDatabase> database) : m_location(location), database(std::move(database))
     {
     }
 
@@ -1058,10 +1056,10 @@ public:
     bool MarkReplaced(const uint256& originalHash, const uint256& newHash);
 
     //! Verify wallet naming and perform salvage on the wallet if required
-    static bool Verify(std::string wallet_file, bool salvage_wallet, std::string& error_string, std::string& warning_string);
+    static bool Verify(const WalletLocation& location, bool salvage_wallet, std::string& error_string, std::string& warning_string);
 
     /* Initializes the wallet, returns a new CWallet instance or a null pointer in case of an error */
-    static std::shared_ptr<CWallet> CreateWalletFromFile(const std::string& name, const fs::path& path, uint64_t wallet_creation_flags = 0);
+    static std::shared_ptr<CWallet> CreateWalletFromFile(const WalletLocation& location, uint64_t wallet_creation_flags = 0);
 
     /**
      * Wallet post-init setup
diff --git a/test/lint/lint-circular-dependencies.sh b/test/lint/lint-circular-dependencies.sh
index 3972baed1..adb7a0c57 100755
--- a/test/lint/lint-circular-dependencies.sh
+++ b/test/lint/lint-circular-dependencies.sh
@@ -29,7 +29,6 @@ EXPECTED_CIRCULAR_DEPENDENCIES=(
     "validation -> validationinterface -> validation"
     "wallet/coincontrol -> wallet/wallet -> wallet/coincontrol"
     "wallet/fees -> wallet/wallet -> wallet/fees"
-    "wallet/rpcwallet -> wallet/wallet -> wallet/rpcwallet"
     "wallet/wallet -> wallet/walletdb -> wallet/wallet"
     "policy/fees -> policy/policy -> validation -> policy/fees"
     "policy/rbf -> txmempool -> validation -> policy/rbf"