diff --git a/lib/wallet/plugin.js b/lib/wallet/plugin.js
index e20aff97..fd4db39b 100644
--- a/lib/wallet/plugin.js
+++ b/lib/wallet/plugin.js
@@ -34,7 +34,9 @@ class Plugin extends EventEmitter {
     super();
 
     this.config = node.config.filter('wallet');
-    this.config.open('wallet.conf');
+
+    if (node.config.bool('config'))
+      this.config.open('wallet.conf');
 
     this.network = node.network;
     this.logger = node.logger;