diff --git a/example-crates/wallet_electrum/src/main.rs b/example-crates/wallet_electrum/src/main.rs
index 2adf090aa..b63e4604f 100644
--- a/example-crates/wallet_electrum/src/main.rs
+++ b/example-crates/wallet_electrum/src/main.rs
@@ -24,12 +24,18 @@ fn main() -> Result<(), anyhow::Error> {
     let changeset = db
         .aggregate_changesets()
         .map_err(|e| anyhow!("load changes error: {}", e))?;
-    let mut wallet = Wallet::new_or_load(
-        external_descriptor,
-        internal_descriptor,
-        changeset,
-        Network::Testnet,
-    )?;
+    let mut wallet;
+
+    if let Some(changeset) = changeset {
+        wallet = Wallet::load(
+            external_descriptor,
+            internal_descriptor,
+            changeset,
+            Network::Testnet,
+        )?;
+    } else {
+        wallet = Wallet::new(external_descriptor, internal_descriptor, Network::Testnet)?;
+    }
 
     let address = wallet.next_unused_address(KeychainKind::External);
     if let Some(changeset) = wallet.take_staged() {
diff --git a/example-crates/wallet_esplora_async/src/main.rs b/example-crates/wallet_esplora_async/src/main.rs
index 0fd82b985..85400abcd 100644
--- a/example-crates/wallet_esplora_async/src/main.rs
+++ b/example-crates/wallet_esplora_async/src/main.rs
@@ -19,14 +19,8 @@ async fn main() -> Result<(), anyhow::Error> {
     let mut db = Store::new(conn)?;
     let external_descriptor = "wpkh(tprv8ZgxMBicQKsPdy6LMhUtFHAgpocR8GC6QmwMSFpZs7h6Eziw3SpThFfczTDh5rW2krkqffa11UpX3XkeTTB2FvzZKWXqPY54Y6Rq4AQ5R8L/84'/1'/0'/0/*)";
     let internal_descriptor = "wpkh(tprv8ZgxMBicQKsPdy6LMhUtFHAgpocR8GC6QmwMSFpZs7h6Eziw3SpThFfczTDh5rW2krkqffa11UpX3XkeTTB2FvzZKWXqPY54Y6Rq4AQ5R8L/84'/1'/0'/1/*)";
-    let changeset = db.read()?;
-
-    let mut wallet = Wallet::new_or_load(
-        external_descriptor,
-        internal_descriptor,
-        changeset,
-        Network::Signet,
-    )?;
+
+    let mut wallet = Wallet::new(external_descriptor, internal_descriptor, Network::Signet)?;
 
     let address = wallet.next_unused_address(KeychainKind::External);
     if let Some(changeset) = wallet.take_staged() {
diff --git a/example-crates/wallet_esplora_blocking/src/main.rs b/example-crates/wallet_esplora_blocking/src/main.rs
index 32211b04b..dfa97ee5f 100644
--- a/example-crates/wallet_esplora_blocking/src/main.rs
+++ b/example-crates/wallet_esplora_blocking/src/main.rs
@@ -20,12 +20,17 @@ fn main() -> Result<(), anyhow::Error> {
     let internal_descriptor = "wpkh(tprv8ZgxMBicQKsPdy6LMhUtFHAgpocR8GC6QmwMSFpZs7h6Eziw3SpThFfczTDh5rW2krkqffa11UpX3XkeTTB2FvzZKWXqPY54Y6Rq4AQ5R8L/84'/1'/0'/1/*)";
     let changeset = db.aggregate_changesets()?;
 
-    let mut wallet = Wallet::new_or_load(
-        external_descriptor,
-        internal_descriptor,
-        changeset,
-        Network::Testnet,
-    )?;
+    let mut wallet;
+    if let Some(changeset) = changeset {
+        wallet = Wallet::load(
+            external_descriptor,
+            internal_descriptor,
+            changeset,
+            Network::Testnet,
+        )?;
+    } else {
+        wallet = Wallet::new(external_descriptor, internal_descriptor, Network::Testnet)?;
+    }
 
     let address = wallet.next_unused_address(KeychainKind::External);
     if let Some(changeset) = wallet.take_staged() {
diff --git a/example-crates/wallet_rpc/src/main.rs b/example-crates/wallet_rpc/src/main.rs
index e09e6d762..e5a70b1dc 100644
--- a/example-crates/wallet_rpc/src/main.rs
+++ b/example-crates/wallet_rpc/src/main.rs
@@ -91,13 +91,19 @@ fn main() -> anyhow::Result<()> {
         args.db_path,
     )?;
     let changeset = db.aggregate_changesets()?;
+    let mut wallet;
+
+    if let Some(changeset) = changeset {
+        wallet = Wallet::load(
+            &args.descriptor,
+            &args.change_descriptor,
+            changeset,
+            Network::Testnet,
+        )?;
+    } else {
+        wallet = Wallet::new(&args.descriptor, &args.change_descriptor, Network::Testnet)?;
+    }
 
-    let mut wallet = Wallet::new_or_load(
-        &args.descriptor,
-        &args.change_descriptor,
-        changeset,
-        args.network,
-    )?;
     println!(
         "Loaded wallet in {}s",
         start_load_wallet.elapsed().as_secs_f32()