diff --git a/.github/workflows/test-all-packages.yml b/.github/workflows/test-all-packages.yml
index c09879dfea05..f8441bde93a4 100644
--- a/.github/workflows/test-all-packages.yml
+++ b/.github/workflows/test-all-packages.yml
@@ -93,6 +93,8 @@ jobs:
         run: cd packages/assert && yarn ${{ steps.vars.outputs.test }}
       - name: yarn test (wallet/api)
         run: cd packages/wallet/api && yarn ${{ steps.vars.outputs.test }}
+      - name: yarn test (wallet/contract)
+        run: cd packages/wallet/contract && yarn ${{ steps.vars.outputs.test }}
       - name: yarn test (deployment)
         run: cd packages/deployment && yarn ${{ steps.vars.outputs.test }}
       - name: yarn test (ERTP)
diff --git a/package.json b/package.json
index e6b7bb186abc..09f80c7fb50b 100644
--- a/package.json
+++ b/package.json
@@ -6,6 +6,7 @@
     "golang/cosmos",
     "packages/*",
     "packages/wallet/api",
+    "packages/wallet/contract",
     "packages/wallet/ui"
   ],
   "type": "module",
diff --git a/packages/agoric-cli/src/sdk-package-names.js b/packages/agoric-cli/src/sdk-package-names.js
index e4aaac411189..b271bf1c0a69 100644
--- a/packages/agoric-cli/src/sdk-package-names.js
+++ b/packages/agoric-cli/src/sdk-package-names.js
@@ -19,6 +19,7 @@ export default [
   "@agoric/run-protocol",
   "@agoric/same-structure",
   "@agoric/sharing-service",
+  "@agoric/smart-wallet",
   "@agoric/solo",
   "@agoric/sparse-ints",
   "@agoric/spawner",
diff --git a/packages/casting/src/follower-cosmjs.js b/packages/casting/src/follower-cosmjs.js
index 6bca5494eaa1..0a95a278f6e7 100644
--- a/packages/casting/src/follower-cosmjs.js
+++ b/packages/casting/src/follower-cosmjs.js
@@ -317,6 +317,10 @@ export const makeCosmjsFollower = (
       const getProvenValue = () => getProvenValueAtHeight(allegedBlockHeight);
 
       const buf = await queryVerifier(getProvenValue, crash, getAllegedValue);
+      if (buf.length === 0) {
+        fail(Error('No query results'));
+        return;
+      }
       attempt = 0;
       if (!committer.isValid()) {
         return;
diff --git a/packages/vats/decentral-core-config.json b/packages/vats/decentral-core-config.json
index 963112eff013..679270179d24 100644
--- a/packages/vats/decentral-core-config.json
+++ b/packages/vats/decentral-core-config.json
@@ -42,12 +42,12 @@
     "sharing": {
       "sourceSpec": "@agoric/vats/src/vat-sharing.js"
     },
-    "walletManager": {
-      "sourceSpec": "@agoric/vats/src/vat-walletManager.js"
+    "singleWallet": {
+      "sourceSpec": "@agoric/wallet/contract/src/singleWallet.js"
     },
     "zoe": {
       "sourceSpec": "@agoric/vats/src/vat-zoe.js"
     }
   },
   "defaultManagerType": "xs-worker"
-}
+}
\ No newline at end of file
diff --git a/packages/vats/decentral-demo-config.json b/packages/vats/decentral-demo-config.json
index 7494dcaffca9..114646988467 100644
--- a/packages/vats/decentral-demo-config.json
+++ b/packages/vats/decentral-demo-config.json
@@ -49,12 +49,12 @@
     "sharing": {
       "sourceSpec": "@agoric/vats/src/vat-sharing.js"
     },
-    "walletManager": {
-      "sourceSpec": "@agoric/vats/src/vat-walletManager.js"
+    "singleWallet": {
+      "sourceSpec": "@agoric/wallet/contract/src/singleWallet.js"
     },
     "zoe": {
       "sourceSpec": "@agoric/vats/src/vat-zoe.js"
     }
   },
   "defaultManagerType": "xs-worker"
-}
+}
\ No newline at end of file
diff --git a/packages/vats/scripts/build-bundles.js b/packages/vats/scripts/build-bundles.js
index 5c9f1d982fa5..071508733894 100755
--- a/packages/vats/scripts/build-bundles.js
+++ b/packages/vats/scripts/build-bundles.js
@@ -8,6 +8,10 @@ const dirname = url.fileURLToPath(new URL('.', import.meta.url));
 const sourceToBundle = [
   [`../src/centralSupply.js`, `../bundles/bundle-centralSupply.js`],
   [`../src/mintHolder.js`, `../bundles/bundle-mintHolder.js`],
+  [
+    `@agoric/wallet/contract/src/singleWallet.js`,
+    `../bundles/bundle-singleWallet.js`,
+  ],
 ];
 
 createBundles(sourceToBundle, dirname);
diff --git a/packages/vats/src/core/basic-behaviors.js b/packages/vats/src/core/basic-behaviors.js
index 2473334ed843..fd351f18a9c2 100644
--- a/packages/vats/src/core/basic-behaviors.js
+++ b/packages/vats/src/core/basic-behaviors.js
@@ -224,9 +224,39 @@ export const makeAddressNameHubs = async ({
 harden(makeAddressNameHubs);
 
 /** @param {BootstrapSpace} powers */
-export const makeClientBanks = async ({ consume: { client, bankManager } }) => {
+export const makeClientBanks = async ({
+  consume: {
+    agoricNames,
+    board,
+    namesByAddress,
+    namesByAddressAdmin,
+    client,
+    chainStorage,
+    bankManager,
+    zoe,
+  },
+  installation: {
+    consume: { singleWallet },
+  },
+}) => {
+  const STORAGE_PATH = 'wallet';
+
+  const storageNode = await getChildNode(chainStorage, STORAGE_PATH);
+  const marshaller = E(board).getPublishingMarshaller();
   return E(client).assignBundle([
-    address => ({ bank: E(bankManager).getBankForAddress(address) }),
+    address => {
+      const bank = E(bankManager).getBankForAddress(address);
+      const myAddressNameAdmin = E(namesByAddressAdmin).lookupAdmin(address);
+      const smartWallet = E(zoe).startInstance(
+        singleWallet,
+        {},
+        { agoricNames, bank, namesByAddress, myAddressNameAdmin, board },
+        { storageNode, marshaller },
+      );
+
+      // sets these values in REPL home by way of registerWallet
+      return { bank, smartWallet };
+    },
   ]);
 };
 harden(makeClientBanks);
@@ -237,12 +267,13 @@ export const installBootContracts = async ({
   devices: { vatAdmin },
   consume: { zoe },
   installation: {
-    produce: { centralSupply, mintHolder },
+    produce: { centralSupply, mintHolder, singleWallet },
   },
 }) => {
   for (const [name, producer] of Object.entries({
     centralSupply,
     mintHolder,
+    singleWallet,
   })) {
     const bundleCap = D(vatAdmin).getNamedBundleCap(name);
     const bundle = D(bundleCap).getBundle();
diff --git a/packages/vats/src/core/manifest.js b/packages/vats/src/core/manifest.js
index ef4cc9717a79..bb2ded15e193 100644
--- a/packages/vats/src/core/manifest.js
+++ b/packages/vats/src/core/manifest.js
@@ -104,9 +104,16 @@ const SHARED_CHAIN_BOOTSTRAP_MANIFEST = harden({
   },
   makeClientBanks: {
     consume: {
+      agoricNames: true,
+      namesByAddress: true,
+      namesByAddressAdmin: true,
       bankManager: 'bank',
+      board: 'board',
       client: true,
+      chainStorage: true,
+      zoe: 'zoe',
     },
+    installation: { consume: { singleWallet: 'zoe' } },
     home: { produce: { bank: 'bank' } },
   },
   installBootContracts: {
@@ -117,6 +124,7 @@ const SHARED_CHAIN_BOOTSTRAP_MANIFEST = harden({
       produce: {
         centralSupply: 'zoe',
         mintHolder: 'zoe',
+        singleWallet: 'zoe',
       },
     },
   },
diff --git a/packages/vats/src/core/types.js b/packages/vats/src/core/types.js
index 16a02cdb3d20..c56045291e64 100644
--- a/packages/vats/src/core/types.js
+++ b/packages/vats/src/core/types.js
@@ -136,7 +136,8 @@
  *   issuer: |
  *     'RUN' | 'BLD' | 'Attestation' | 'AUSD',
  *   installation: |
- *     'centralSupply' | 'mintHolder' | 'feeDistributor' |
+ *     'centralSupply' | 'mintHolder' | 'singleWallet' |
+ *     'feeDistributor' |
  *     'contractGovernor' | 'committee' | 'noActionElectorate' | 'binaryVoteCounter' |
  *     'amm' | 'VaultFactory' | 'liquidate' | 'runStake' |
  *     'Pegasus' | 'reserve' | 'psm' | 'interchainPool',
diff --git a/packages/vats/src/core/utils.js b/packages/vats/src/core/utils.js
index c3faa0c964db..cd4285b8ae77 100644
--- a/packages/vats/src/core/utils.js
+++ b/packages/vats/src/core/utils.js
@@ -35,6 +35,7 @@ export const agoricNamesReserved = harden({
   installation: {
     centralSupply: 'central supply',
     mintHolder: 'mint holder',
+    singleWallet: 'single smart wallet',
     contractGovernor: 'contract governor',
     committee: 'committee electorate',
     noActionElectorate: 'no action electorate',
diff --git a/packages/vats/src/vat-walletManager.js b/packages/vats/src/vat-walletManager.js
index e5645a9f707f..1d80496b8cb3 100644
--- a/packages/vats/src/vat-walletManager.js
+++ b/packages/vats/src/vat-walletManager.js
@@ -1,7 +1,10 @@
 import { E, Far } from '@endo/far';
 import walletBundle from '@agoric/wallet-backend/bundles/bundle-wallet.js';
 
-export const buildRootObject = _vatPowers => {
+/**
+ * @deprecated
+ */
+export const buildRootObject = () => {
   return Far('walletManager root', {
     buildWalletManager: vatAdminSvc =>
       Far('walletManager', {
diff --git a/packages/vats/test/devices.js b/packages/vats/test/devices.js
index 347cc4029205..dcaf0c074012 100644
--- a/packages/vats/test/devices.js
+++ b/packages/vats/test/devices.js
@@ -1,16 +1,21 @@
 import bundleCentralSupply from '../bundles/bundle-centralSupply.js';
 import bundleMintHolder from '../bundles/bundle-mintHolder.js';
+import bundleSingleWallet from '../bundles/bundle-singleWallet.js';
 
 export const devices = {
   vatAdmin: {
     getNamedBundleCap: name => ({
       getBundle: () => {
-        if (name === 'centralSupply') {
-          return bundleCentralSupply;
-        } else if (name === 'mintHolder') {
-          return bundleMintHolder;
+        switch (name) {
+          case 'centralSupply':
+            return bundleCentralSupply;
+          case 'mintHolder':
+            return bundleMintHolder;
+          case 'singleWallet':
+            return bundleSingleWallet;
+          default:
+            throw new Error(`unknown bundle ${name}`);
         }
-        throw new Error(`unknown bundle ${name}`);
       },
     }),
   },
diff --git a/packages/vats/test/test-clientBundle.js b/packages/vats/test/test-clientBundle.js
index 58480555acf4..831baf375cf6 100644
--- a/packages/vats/test/test-clientBundle.js
+++ b/packages/vats/test/test-clientBundle.js
@@ -14,9 +14,12 @@ import {
 } from '@agoric/run-protocol/src/proposals/demoIssuers.js';
 import { makeClientManager } from '../src/core/chain-behaviors.js';
 import { makeAgoricNamesAccess, makePromiseSpace } from '../src/core/utils.js';
-import { buildRootObject as bldMintRoot } from '../src/vat-mints.js';
+import { buildRootObject as mintsRoot } from '../src/vat-mints.js';
+import { buildRootObject as boardRoot } from '../src/vat-board.js';
 import {
   installBootContracts,
+  makeAddressNameHubs,
+  makeBoard,
   makeClientBanks,
 } from '../src/core/basic-behaviors.js';
 
@@ -37,12 +40,16 @@ const setUpZoeForTest = async () => {
 };
 harden(setUpZoeForTest);
 
+/**
+ * @typedef {{
+ *   (n: 'board'): import('../src/core/basic-behaviors.js').BoardVat
+ *   (n: 'mint'): MintsVat
+ * }} LoadVat
+ */
 test('connectFaucet produces payments', async t => {
   const space = /** @type {any} */ (makePromiseSpace(t.log));
   const { consume, produce } =
-    /** @type { BootstrapPowers & { consume: { loadVat: (n: 'mints') => MintsVat }} } */ (
-      space
-    );
+    /** @type { BootstrapPowers & { consume: { loadVat: LoadVat }} } */ (space);
   const { agoricNames, spaces } = makeAgoricNamesAccess();
   produce.agoricNames.resolve(agoricNames);
 
@@ -51,14 +58,22 @@ test('connectFaucet produces payments', async t => {
   produce.feeMintAccess.resolve(feeMintAccess);
 
   produce.loadVat.resolve(name => {
-    assert.equal(name, 'mints');
-    return bldMintRoot();
+    switch (name) {
+      case 'mints':
+        return mintsRoot();
+      case 'board':
+        return boardRoot();
+      default:
+        throw Error('unknown loadVat name');
+    }
   });
 
   t.plan(4); // be sure bank.deposit() gets called
 
   const bldKit = makeIssuerKit('BLD');
   produce.bldIssuerKit.resolve(bldKit);
+  produce.chainStorage.resolve(undefined);
+
   const runIssuer = E(zoe).getFeeIssuer();
   produce.bankManager.resolve(
     Promise.resolve(
@@ -76,6 +91,8 @@ test('connectFaucet produces payments', async t => {
                 return amt;
               },
             }),
+            // @ts-expect-error mock
+            getAssetSubscription: () => null,
           }),
       }),
     ),
@@ -98,6 +115,9 @@ test('connectFaucet produces payments', async t => {
   };
 
   await Promise.all([
+    // @ts-expect-error missing keys: devices, vats, vatPowers, vatParameters, and 2 more.
+    makeBoard({ consume, produce, ...spaces }),
+    makeAddressNameHubs({ consume, produce, ...spaces }),
     installBootContracts({ vatPowers, devices, consume, produce, ...spaces }),
     makeClientManager({ consume, produce, ...spaces }),
     connectFaucet({ consume, produce, ...spaces }),
diff --git a/packages/wallet/contract/README.md b/packages/wallet/contract/README.md
new file mode 100644
index 000000000000..23ae74a292c0
--- /dev/null
+++ b/packages/wallet/contract/README.md
@@ -0,0 +1,31 @@
+# Smart Wallet contracts
+
+## Single contract
+
+The `singleWalet` contract manages a single smart wallet.
+
+# Multi-tenant contract
+
+The `walletFactory` contract provisions and manages smart wallets.
+
+# Common
+
+There can be zero or one wallets per Cosmos address.
+
+lib-wallet has makeWallet but that's really makeWalletKit
+
+1. Generate an address (off-chain)
+2. Provision an account using that address, which causes a Bank to get created
+    ??? What happens if you try to provision again using the same address? It's a Cosmos level transaction; maybe that fails.
+3. Create a Wallet using the Bank (it includes the implementation of Virtual Purses so when you getAmount it goes down to the Golang layer)
+    ??? What happens if you try to create another wallet using that bank?
+
+1 Address : 0/1 Bank
+1 Address : 1 `myAddressNamesAdmin`
+1 Bank : 0/1 Wallet
+
+By design there's a 1:1 across all four.
+
+`namesByAddress` and `board` are shared by everybody.
+
+`myAddressNamesAdmin` is from the account you provision.
diff --git a/packages/wallet/contract/jsconfig.json b/packages/wallet/contract/jsconfig.json
new file mode 100644
index 000000000000..0f3b5a4bfc9b
--- /dev/null
+++ b/packages/wallet/contract/jsconfig.json
@@ -0,0 +1,25 @@
+// This file can contain .js-specific Typescript compiler config.
+{
+  "compilerOptions": {
+    "target": "esnext",
+    "module": "esnext",
+
+    "noEmit": true,
+/*
+    // The following flags are for creating .d.ts files:
+    "noEmit": false,
+    "declaration": true,
+    "emitDeclarationOnly": true,
+*/
+    "downlevelIteration": true,
+    "strictNullChecks": true,
+    "moduleResolution": "node",
+  },
+  "include": [
+    "*.js",
+    "scripts/**/*.js",
+    "src/**/*.js",
+    "test/**/*.js",
+    "tools/**/*.js",
+  ],
+}
diff --git a/packages/wallet/contract/package.json b/packages/wallet/contract/package.json
new file mode 100644
index 000000000000..a1bf48905032
--- /dev/null
+++ b/packages/wallet/contract/package.json
@@ -0,0 +1,49 @@
+{
+  "name": "@agoric/smart-wallet",
+  "version": "0.1.1",
+  "description": "Wallet contract",
+  "type": "module",
+  "scripts": {
+    "build": "exit 0",
+    "test": "ava",
+    "test:xs": "exit 0",
+    "lint": "run-s --continue-on-error lint:*",
+    "lint-fix": "yarn lint:eslint --fix",
+    "lint:types": "tsc --maxNodeModuleJsDepth 5 -p jsconfig.json",
+    "lint:eslint": "eslint ."
+  },
+  "devDependencies": {
+    "ava": "^3.12.1",
+    "@agoric/ertp": "^0.14.2",
+    "@agoric/run-protocol": "^0.11.0",
+    "@agoric/vats": "^0.10.0",
+    "@endo/captp": "^2.0.9"
+  },
+  "dependencies": {
+    "@agoric/wallet-backend": "0.12.1",
+    "@agoric/deploy-script-support": "^0.9.0",
+    "@agoric/zoe": "^0.24.0",
+    "@agoric/notifier": "^0.4.0",
+    "@endo/far": "^0.2.5"
+  },
+  "keywords": [],
+  "repository": {
+    "type": "git",
+    "url": "git+https://github.com/Agoric/agoric"
+  },
+  "author": "Agoric",
+  "license": "Apache-2.0",
+  "bugs": {
+    "url": "https://github.com/Agoric/agoric/issues"
+  },
+  "homepage": "https://github.com/Agoric/agoric#readme",
+  "ava": {
+    "files": [
+      "test/**/test-*.js"
+    ],
+    "timeout": "2m"
+  },
+  "publishConfig": {
+    "access": "public"
+  }
+}
diff --git a/packages/wallet/contract/src/singleWallet.js b/packages/wallet/contract/src/singleWallet.js
new file mode 100644
index 000000000000..bb63d13c1883
--- /dev/null
+++ b/packages/wallet/contract/src/singleWallet.js
@@ -0,0 +1,90 @@
+// @ts-check
+import { E, Far } from '@endo/far';
+import {
+  makeStoredSubscription,
+  makeSubscriptionKit,
+  observeIteration,
+} from '@agoric/notifier';
+import '@agoric/deploy-script-support/exported.js';
+import '@agoric/zoe/exported.js';
+import spawn from '@agoric/wallet-backend/src/wallet.js';
+
+import '@agoric/wallet-backend/src/types.js'; // TODO avoid ambient types
+
+const { assign, entries, keys, fromEntries } = Object;
+
+/**
+ * @typedef {{
+ *   agoricNames: NameHub,
+ *   bank: import('@agoric/vats/src/vat-bank').Bank,
+ *   board: Board,
+ *   myAddressNameAdmin: MyAddressNameAdmin,
+ *   namesByAddress: NameHub,
+ * }} SmartWalletContractTerms
+ */
+
+/**
+ * @param {ZCF<SmartWalletContractTerms>} zcf
+ * @param {{
+ *   storageNode?: ERef<StorageNode>,
+ *   marshaller?: ERef<Marshaller>,
+ * }} privateArgs
+ */
+export const start = async (zcf, privateArgs) => {
+  const { agoricNames, bank, namesByAddress, myAddressNameAdmin, board } =
+    zcf.getTerms();
+  assert(board, 'missing board');
+  assert(myAddressNameAdmin, 'missing myAddressNameAdmin');
+  assert(namesByAddress, 'missing namesByAddress');
+  assert(agoricNames, 'missing agoricNames');
+  const zoe = zcf.getZoeService();
+
+  const walletVat = spawn({
+    agoricNames,
+    namesByAddress,
+    myAddressNameAdmin,
+    zoe,
+    board,
+    localTimerService: undefined,
+  });
+
+  const wallet = await E(walletVat).getWallet(bank);
+  const address = await E(myAddressNameAdmin).getMyAddress();
+  const { storageNode, marshaller } = privateArgs;
+
+  const myWalletStorageNode =
+    storageNode && E(storageNode).getChildNode(address);
+  const admin = E(wallet).getAdminFacet();
+
+  /** @type {Record<string, ERef<Notifier<unknown>>>} */
+  const notifierParts = {
+    contacts: E(admin).getContactsNotifier(),
+    dapps: E(admin).getDappsNotifier(),
+    issuers: E(admin).getIssuersNotifier(),
+    offers: E(admin).getOffersNotifier(),
+    payments: E(admin).getPaymentsNotifier(),
+    purses: E(admin).getPursesNotifier(),
+  };
+  const mutableState = fromEntries(keys(notifierParts).map(key => [key, []]));
+  const { subscription, publication } = makeSubscriptionKit();
+  publication.updateState({ ...mutableState });
+
+  entries(notifierParts).forEach(([key, notifier]) => {
+    void observeIteration(notifier, {
+      updateState: value =>
+        publication.updateState({ ...assign(mutableState, { [key]: value }) }),
+    });
+  });
+
+  const storedSubscription = makeStoredSubscription(
+    subscription,
+    myWalletStorageNode,
+    marshaller,
+  );
+  return {
+    creatorFacet: Far('SingleWallet', {
+      ...wallet,
+      getSubscription: () => storedSubscription,
+    }),
+  };
+};
diff --git a/packages/wallet/contract/test/devices.js b/packages/wallet/contract/test/devices.js
new file mode 100644
index 000000000000..dde3c23906ae
--- /dev/null
+++ b/packages/wallet/contract/test/devices.js
@@ -0,0 +1,22 @@
+import bundleCentralSupply from '@agoric/vats/bundles/bundle-centralSupply.js';
+import bundleMintHolder from '@agoric/vats/bundles/bundle-mintHolder.js';
+import bundleSingleWallet from '@agoric/vats/bundles/bundle-singleWallet.js';
+
+export const devices = {
+  vatAdmin: {
+    getNamedBundleCap: name => ({
+      getBundle: () => {
+        switch (name) {
+          case 'centralSupply':
+            return bundleCentralSupply;
+          case 'mintHolder':
+            return bundleMintHolder;
+          case 'singleWallet':
+            return bundleSingleWallet;
+          default:
+            throw new Error(`unknown bundle ${name}`);
+        }
+      },
+    }),
+  },
+};
diff --git a/packages/wallet/contract/test/test-singleWallet.js b/packages/wallet/contract/test/test-singleWallet.js
new file mode 100644
index 000000000000..c72d268e8035
--- /dev/null
+++ b/packages/wallet/contract/test/test-singleWallet.js
@@ -0,0 +1,198 @@
+// @ts-nocheck FIXME
+
+import { test as anyTest } from '@agoric/zoe/tools/prepare-test-env-ava.js';
+
+import '@agoric/vats/src/core/types.js';
+import '@agoric/zoe/exported.js';
+
+import { makeIssuerKit } from '@agoric/ertp';
+import { connectFaucet } from '@agoric/run-protocol/src/proposals/demoIssuers.js';
+import { unsafeMakeBundleCache } from '@agoric/run-protocol/test/bundleTool.js';
+import { subscriptionKey } from '@agoric/run-protocol/test/supports.js';
+import {
+  installBootContracts,
+  makeAddressNameHubs,
+  makeBoard,
+} from '@agoric/vats/src/core/basic-behaviors.js';
+import { makeClientManager } from '@agoric/vats/src/core/chain-behaviors.js';
+import {
+  makeAgoricNamesAccess,
+  makePromiseSpace,
+} from '@agoric/vats/src/core/utils.js';
+import {
+  getChildNode,
+  makeChainStorageRoot,
+} from '@agoric/vats/src/lib-chainStorage.js';
+import { makeNameHubKit } from '@agoric/vats/src/nameHub.js';
+import { buildRootObject as boardRoot } from '@agoric/vats/src/vat-board.js';
+import { buildRootObject as mintsRoot } from '@agoric/vats/src/vat-mints.js';
+import { makeZoeKit } from '@agoric/zoe';
+import { makeFakeVatAdmin } from '@agoric/zoe/tools/fakeVatAdmin.js';
+import { makeLoopback } from '@endo/captp';
+import { E, Far } from '@endo/far';
+import path from 'path';
+import { devices } from './devices.js';
+
+/** @type {import('ava').TestInterface<Awaited<ReturnType<makeTestContext>>>} */
+// @ts-expect-error cast
+const test = anyTest;
+
+const setUpZoeForTest = async () => {
+  const { makeFar } = makeLoopback('zoeTest');
+  const { zoeService, feeMintAccess: nonFarFeeMintAccess } = makeZoeKit(
+    makeFakeVatAdmin(() => {}).admin,
+  );
+  /** @type {import('@endo/far').ERef<ZoeService>} */
+  const zoe = makeFar(zoeService);
+  const feeMintAccess = await makeFar(nonFarFeeMintAccess);
+  return {
+    zoe,
+    feeMintAccess,
+  };
+};
+harden(setUpZoeForTest);
+
+export const mockChainStorageRoot = () => {
+  const toStorage = v => v;
+  return makeChainStorageRoot(toStorage, 'swingset', 'mockChainStorageRoot');
+};
+
+const makeTestContext = async t => {
+  const space = /** @type {any} */ (makePromiseSpace(t.log));
+  const { consume, produce } =
+    /** @type { BootstrapPowers & { consume: { loadVat: (n: 'mints') => MintsVat }} } */ (
+      space
+    );
+  const { agoricNames, spaces } = makeAgoricNamesAccess();
+  produce.agoricNames.resolve(agoricNames);
+
+  const { zoe, feeMintAccess } = await setUpZoeForTest();
+  produce.zoe.resolve(zoe);
+  produce.feeMintAccess.resolve(feeMintAccess);
+
+  produce.loadVat.resolve(name => {
+    switch (name) {
+      case 'mints':
+        return mintsRoot();
+      case 'board':
+        return boardRoot();
+      default:
+        throw Error('unknown loadVat name');
+    }
+  });
+
+  const bldKit = makeIssuerKit('BLD');
+  produce.bldIssuerKit.resolve(bldKit);
+  produce.chainStorage.resolve(mockChainStorageRoot());
+
+  produce.bankManager.resolve(
+    Promise.resolve(
+      Far('mockBankManager', {
+        getBankForAddress: _a =>
+          Far('mockBank', {
+            getPurse: () => ({
+              deposit: async (_, _x) => {
+                return null;
+              },
+            }),
+            getAssetSubscription: () => null,
+          }),
+      }),
+    ),
+  );
+
+  const vatPowers = {
+    D: x => x,
+  };
+
+  await Promise.all([
+    // @ts-expect-error
+    makeBoard({ consume, produce, ...spaces }),
+    makeAddressNameHubs({ consume, produce, ...spaces }),
+    installBootContracts({ vatPowers, devices, consume, produce, ...spaces }),
+    makeClientManager({ consume, produce, ...spaces }),
+    connectFaucet({ consume, produce, ...spaces }),
+  ]);
+
+  // Adapted from perAddress in makeAddressNameHubs()
+  const reserveAddress = address => {
+    // Create a name hub for this address.
+    const { nameHub: myAddressNameHub, nameAdmin: rawMyAddressNameAdmin } =
+      makeNameHubKit();
+
+    /** @type {MyAddressNameAdmin} */
+    const myAddressNameAdmin = Far('myAddressNameAdmin', {
+      ...rawMyAddressNameAdmin,
+      getMyAddress: () => address,
+    });
+    // reserve space for deposit facet
+    myAddressNameAdmin.reserve('depositFacet');
+    // Register it with the namesByAddress hub.
+    return E(consume.namesByAddressAdmin).update(
+      address,
+      myAddressNameHub,
+      myAddressNameAdmin,
+    );
+  };
+
+  const address = 'bogusAddress';
+  await reserveAddress(address);
+
+  // #region Installs
+  const pathname = new URL(import.meta.url).pathname;
+  const dirname = path.dirname(pathname);
+
+  const bundleCache = await unsafeMakeBundleCache('bundles/');
+  const bundle = await bundleCache.load(
+    `${dirname}/../src/singleWallet.js`,
+    'singleWallet',
+  );
+  /** @type {Installation<import('../src/singleWallet.js').start>} */
+  const installation = E(zoe).install(bundle);
+  // #endregion
+
+  // copied from makeClientBanks()
+  const bank = E(consume.bankManager).getBankForAddress(address);
+  const myAddressNameAdmin = E(consume.namesByAddressAdmin).lookupAdmin(
+    address,
+  );
+
+  // copied from makeClientBanks()
+  const storageNode = await getChildNode(consume.chainStorage, 'wallet');
+  const marshaller = E(consume.board).getPublishingMarshaller();
+
+  const singleWallet = E(zoe).startInstance(
+    installation,
+    {},
+    {
+      agoricNames,
+      bank,
+      namesByAddress: consume.namesByAddress,
+      myAddressNameAdmin,
+      board: consume.board,
+    },
+    { storageNode, marshaller },
+  );
+
+  return {
+    singleWallet,
+    zoe,
+  };
+};
+
+test.before(async t => {
+  t.context = await makeTestContext(t);
+});
+
+test('basic', async t => {
+  const { singleWallet, zoe } = t.context;
+  const { creatorFacet } = await singleWallet;
+
+  const bridge = await E(creatorFacet).getBridge();
+  t.is(await E(bridge).getZoe(), await zoe);
+
+  t.is(
+    await subscriptionKey(E(creatorFacet).getSubscription()),
+    'mockChainStorageRoot.wallet.bogusAddress',
+  );
+});