diff --git a/divi/src/StakableCoin.h b/divi/src/StakableCoin.h
index f5877febe..dcf8ad162 100644
--- a/divi/src/StakableCoin.h
+++ b/divi/src/StakableCoin.h
@@ -1,15 +1,15 @@
 #ifndef STAKABLE_COIN_H
 #define STAKABLE_COIN_H
+#include <merkletx.h>
 #include <uint256.h>
-#include <primitives/transaction.h>
 struct StakableCoin
 {
-    const CTransaction* tx;
+    const CMerkleTx* tx;
     COutPoint utxo;
     uint256 blockHashOfFirstConfirmation;
 
     explicit StakableCoin(
-        const CTransaction& txIn,
+        const CMerkleTx& txIn,
         const COutPoint& utxoIn,
         uint256 blockHashIn
         ): tx(&txIn)
diff --git a/divi/src/kernel.cpp b/divi/src/kernel.cpp
index b59a1f14c..5b2275ca7 100644
--- a/divi/src/kernel.cpp
+++ b/divi/src/kernel.cpp
@@ -254,7 +254,7 @@ bool CheckProofOfStakeContextAndRecoverStakingData(
     uint256 hashBlock;
     CTransaction txPrev;
     if (!GetTransaction(txin.prevout.hash, txPrev, hashBlock, true))
-        return error("CheckProofOfStake() : INFO: read txPrev failed");
+        return error("CheckProofOfStake() : INFO: read txPrev failed for %s", txin.prevout.hash.GetHex());
 
     const CScript &kernelScript = txPrev.vout[txin.prevout.n].scriptPubKey;
 
diff --git a/divi/src/primitives/transaction.h b/divi/src/primitives/transaction.h
index 5d0e5095a..649460aec 100644
--- a/divi/src/primitives/transaction.h
+++ b/divi/src/primitives/transaction.h
@@ -139,6 +139,8 @@ class CTransaction
 
     CTransaction& operator=(const CTransaction& tx);
 
+    virtual ~CTransaction() = default;
+
     ADD_SERIALIZE_METHODS;
 
     template <typename Stream, typename Operation>
diff --git a/divi/src/wallet.cpp b/divi/src/wallet.cpp
index 3260bfc83..cb77df254 100644
--- a/divi/src/wallet.cpp
+++ b/divi/src/wallet.cpp
@@ -180,28 +180,52 @@ bool WriteTxToDisk(const CWallet* walletPtr, const CWalletTx& transactionToWrite
 namespace
 {
 
-/** Dummy UTXO hasher for the wallet.  For now, this just always returns
- *  the normal txid, but we will later change it to return the proper hash
- *  for a WalletTx.  */
+/** UTXO hasher for wallet transactions.  It uses the transaction's known block
+ *  hash (from CMerkleTx) to determine the activation state of segwit light.  */
 class WalletUtxoHasher : public TransactionUtxoHasher
 {
 
+private:
+
+  const CChain& chainActive_;
+
 public:
 
+  WalletUtxoHasher(const CChain& chain)
+    : chainActive_(chain)
+  {}
+
   OutputHash GetUtxoHash(const CTransaction& tx) const override
   {
-    return OutputHash(tx.GetHash());
+    const CMerkleTx* mtx = dynamic_cast<const CMerkleTx*>(&tx);
+    assert(mtx != nullptr);
+
+    const CBlockIndex* pindexBlock = nullptr;
+    const int depth = mtx->GetNumberOfBlockConfirmations(pindexBlock);
+
+    /* If the transaction is not yet confirmed in a block, we use the current
+       tip to determine the segwit-light activation status.  This is not
+       perfect around the activation time, but there is nothing we can do
+       in that case anyway.  Mempool and wallet discourage spending unconfirmed
+       outputs around the segwit-light fork anyway.  */
+    if (depth <= 0)
+        pindexBlock = chainActive_.Tip();
+
+    assert(pindexBlock != nullptr);
+    const ActivationState as(pindexBlock);
+
+    return OutputHash(as.IsActive(Fork::SegwitLight) ? mtx->GetBareTxid() : mtx->GetHash());
   }
 
 };
 
-} // anonymous namespace
+}
 
 CWallet::CWallet(const CChain& chain, const BlockMap& blockMap
     ): cs_wallet()
     , transactionRecord_(new WalletTransactionRecord(cs_wallet,strWalletFile) )
     , outputTracker_( new SpentOutputTracker(*transactionRecord_) )
-    , utxoHasher(new WalletUtxoHasher() )
+    , utxoHasher(new WalletUtxoHasher(chain) )
     , chainActive_(chain)
     , mapBlockIndex_(blockMap)
     , orderedTransactionIndex()