diff --git a/README.md b/README.md
index cd41e570..d2b586c4 100644
--- a/README.md
+++ b/README.md
@@ -273,9 +273,7 @@ pool.open().then(function() {
 var bcoin = require('bcoin').set('main');
 
 var node = bcoin.fullnode({
-  prune: false,
-  useCheckpoints: true,
-  debug: true,
+  checkpoints: true,
   // Primary wallet passphrase
   passsphrase: 'node',
   logLevel: 'info'
diff --git a/lib/blockchain/chain.js b/lib/blockchain/chain.js
index 1b9f25d6..f9153613 100644
--- a/lib/blockchain/chain.js
+++ b/lib/blockchain/chain.js
@@ -176,7 +176,7 @@ Chain.prototype._open = co(function* open() {
 
   this.logger.info('Chain is loading.');
 
-  if (this.options.useCheckpoints)
+  if (this.options.checkpoints)
     this.logger.info('Checkpoints are enabled.');
 
   if (this.options.coinCache)
@@ -566,7 +566,7 @@ Chain.prototype.verifyDuplicates = co(function* verifyDuplicates(block, prev, st
  * function will check the block reward, the sigops,
  * the tx values, and execute and verify the scripts (it
  * will attempt to do this on the worker pool). If
- * useCheckpoints is enabled, it will skip verification
+ * `checkpoints` is enabled, it will skip verification
  * for historical data.
  * @private
  * @see TX#checkInputs
@@ -1344,7 +1344,7 @@ Chain.prototype.verifyCheckpoint = function verifyCheckpoint(prev, hash) {
   var height = prev.height + 1;
   var checkpoint;
 
-  if (!this.options.useCheckpoints)
+  if (!this.options.checkpoints)
     return true;
 
   checkpoint = this.network.checkpointMap[height];
@@ -1682,7 +1682,7 @@ Chain.prototype.isFull = function isFull() {
  */
 
 Chain.prototype.isInitial = function isInitial() {
-  if (this.options.useCheckpoints) {
+  if (this.options.checkpoints) {
     if (this.height < this.network.lastCheckpoint)
       return true;
   }
@@ -1716,7 +1716,7 @@ Chain.prototype.maybeSync = function maybeSync() {
  */
 
 Chain.prototype.hasChainwork = function hasChainwork() {
-  if (this.options.useCheckpoints)
+  if (this.options.checkpoints)
     return this.height >= this.network.lastCheckpoint;
 
   return this.tip.chainwork.cmp(this.network.pow.chainwork) >= 0;
@@ -2313,7 +2313,7 @@ function ChainOptions(options) {
   this.coinCache = 0;
   this.entryCache = (2016 + 1) * 2 + 100;
   this.orphanLimit = 20 << 20;
-  this.useCheckpoints = false;
+  this.checkpoints = false;
 
   if (options)
     this.fromOptions(options);
@@ -2405,9 +2405,9 @@ ChainOptions.prototype.fromOptions = function fromOptions(options) {
     this.orphanLimit = options.orphanLimit;
   }
 
-  if (options.useCheckpoints != null) {
-    assert(typeof options.useCheckpoints === 'boolean');
-    this.useCheckpoints = options.useCheckpoints;
+  if (options.checkpoints != null) {
+    assert(typeof options.checkpoints === 'boolean');
+    this.checkpoints = options.checkpoints;
   }
 
   return this;
diff --git a/lib/blockchain/chainentry.js b/lib/blockchain/chainentry.js
index 1041a03c..edc1d7ce 100644
--- a/lib/blockchain/chainentry.js
+++ b/lib/blockchain/chainentry.js
@@ -353,7 +353,7 @@ ChainEntry.prototype.getMedianTimeAsync = co(function* getMedianTimeAsync() {
  */
 
 ChainEntry.prototype.isHistorical = function isHistorical() {
-  if (this.chain.options.useCheckpoints) {
+  if (this.chain.options.checkpoints) {
     if (this.height + 1 <= this.chain.network.lastCheckpoint)
       return true;
   }
diff --git a/lib/http/server.js b/lib/http/server.js
index 15f628df..c9a74e6a 100644
--- a/lib/http/server.js
+++ b/lib/http/server.js
@@ -10,11 +10,12 @@
 /* jshint -W069 */
 /* jshint noyield: true */
 
-var EventEmitter = require('events').EventEmitter;
 var assert = require('assert');
+var EventEmitter = require('events').EventEmitter;
 var HTTPBase = require('./base');
 var util = require('../utils/util');
 var co = require('../utils/co');
+var IP = require('../utils/ip');
 var base58 = require('../utils/base58');
 var Amount = require('../btc/amount');
 var Address = require('../primitives/address');
@@ -1782,6 +1783,13 @@ HTTPOptions.prototype.fromOptions = function fromOptions(options) {
     this.ca = options.ca;
   }
 
+  // Allow no-auth implicitly
+  // if we're listening locally.
+  if (!options.apiKey && !options.serviceKey) {
+    if (IP.isLoopback(this.host))
+      this.noAuth = true;
+  }
+
   return this;
 };
 
diff --git a/lib/net/pool.js b/lib/net/pool.js
index ecb70376..22e7a141 100644
--- a/lib/net/pool.js
+++ b/lib/net/pool.js
@@ -689,7 +689,7 @@ Pool.prototype.resolveHeaders = function resolveHeaders(peer) {
 Pool.prototype.getNextTip = function getNextTip(height) {
   var i, next;
 
-  if (this.options.useCheckpoints) {
+  if (this.options.checkpoints) {
     for (i = 0; i < this.network.checkpoints.length; i++) {
       next = this.network.checkpoints[i];
       if (next.height > height)
@@ -1803,7 +1803,7 @@ Pool.prototype._handleHeaders = co(function* handleHeaders(peer, packet) {
     node = new HeaderEntry(hash, height);
 
     if (node.height === this.headerTip.height) {
-      if (this.options.useCheckpoints) {
+      if (this.options.checkpoints) {
         if (node.hash !== this.headerTip.hash) {
           this.logger.warning(
             'Peer sent an invalid checkpoint (%s).',
@@ -3164,7 +3164,7 @@ function PoolOptions(options) {
   this.address = new NetAddress();
 
   this.witness = true;
-  this.useCheckpoints = false;
+  this.checkpoints = false;
   this.spv = false;
   this.listen = false;
   this.headers = false;
@@ -3236,12 +3236,12 @@ PoolOptions.prototype.fromOptions = function fromOptions(options) {
     this.witness = this.chain.options.witness;
   }
 
-  if (options.useCheckpoints != null) {
-    assert(typeof options.useCheckpoints === 'boolean');
-    assert(options.useCheckpoints === this.chain.options.useCheckpoints);
-    this.useCheckpoints = options.useCheckpoints;
+  if (options.checkpoints != null) {
+    assert(typeof options.checkpoints === 'boolean');
+    assert(options.checkpoints === this.chain.options.checkpoints);
+    this.checkpoints = options.checkpoints;
   } else {
-    this.useCheckpoints = this.chain.options.useCheckpoints;
+    this.checkpoints = this.chain.options.checkpoints;
   }
 
   if (options.spv != null) {
diff --git a/lib/node/config.js b/lib/node/config.js
index 96c08dd9..22705c6f 100644
--- a/lib/node/config.js
+++ b/lib/node/config.js
@@ -174,11 +174,14 @@ config.parseData = function parseData(data, prefix, dirname) {
   options.witness = bool(data.witness);
   options.forceWitness = bool(data.forcewitness);
   options.prune = bool(data.prune);
-  options.useCheckpoints = bool(data.usecheckpoints);
+  options.checkpoints = bool(data.checkpoints);
   options.coinCache = mul(data.coincache, 1024 * 1024);
   options.indexTX = bool(data.indextx);
   options.indexAddress = bool(data.indexaddress);
 
+  if (data.usecheckpoints != null)
+    options.checkpoints = bool(data.usecheckpoints);
+
   // Mempool
   options.limitFree = bool(data.limitfree);
   options.limitFreeRelay = bool(data.limitfreerelay);
@@ -235,7 +238,7 @@ config.parseData = function parseData(data, prefix, dirname) {
   // Alias
   if (options.fast) {
     options.headers = true;
-    options.useCheckpoints = true;
+    options.checkpoints = true;
     options.cacheSize = 200 << 20;
     options.coinCache = 65 << 20;
   }
diff --git a/lib/node/fullnode.js b/lib/node/fullnode.js
index e4320185..44ee1ba9 100644
--- a/lib/node/fullnode.js
+++ b/lib/node/fullnode.js
@@ -69,7 +69,7 @@ function FullNode(options) {
     witness: this.options.witness,
     forceWitness: this.options.forceWitness,
     prune: this.options.prune,
-    useCheckpoints: this.options.useCheckpoints,
+    checkpoints: this.options.checkpoints,
     coinCache: this.options.coinCache,
     indexTX: this.options.indexTX,
     indexAddress: this.options.indexAddress
@@ -142,7 +142,7 @@ function FullNode(options) {
     maxFiles: this.options.walletMaxFiles,
     cacheSize: this.options.walletCacheSize,
     witness: false,
-    useCheckpoints: this.options.useCheckpoints,
+    checkpoints: this.options.checkpoints,
     startHeight: this.options.startHeight,
     wipeNoReally: this.options.wipeNoReally,
     verify: false
diff --git a/lib/node/spvnode.js b/lib/node/spvnode.js
index 0f1b7fc5..bd685c89 100644
--- a/lib/node/spvnode.js
+++ b/lib/node/spvnode.js
@@ -53,7 +53,7 @@ function SPVNode(options) {
     cacheSize: this.options.cacheSize,
     witness: this.options.witness,
     forceWitness: this.options.forceWitness,
-    useCheckpoints: this.options.useCheckpoints,
+    checkpoints: this.options.checkpoints,
     spv: true
   });
 
@@ -85,7 +85,7 @@ function SPVNode(options) {
     maxFiles: this.options.walletMaxFiles,
     cacheSize: this.options.walletCacheSize,
     witness: false,
-    useCheckpoints: this.options.useCheckpoints,
+    checkpoints: this.options.checkpoints,
     startHeight: this.options.startHeight,
     wipeNoReally: this.options.wipeNoReally,
     verify: true,
diff --git a/lib/wallet/walletdb.js b/lib/wallet/walletdb.js
index 42beda82..6370f749 100644
--- a/lib/wallet/walletdb.js
+++ b/lib/wallet/walletdb.js
@@ -1919,7 +1919,7 @@ WalletDB.prototype._addBlock = co(function* addBlock(entry, txs) {
   // Sync the state to the new tip.
   yield this.syncState(tip);
 
-  if (this.options.useCheckpoints) {
+  if (this.options.checkpoints) {
     if (tip.height <= this.network.lastCheckpoint)
       return total;
   }
@@ -2169,7 +2169,7 @@ function WalletOptions(options) {
 
   this.spv = false;
   this.witness = false;
-  this.useCheckpoints = false;
+  this.checkpoints = false;
   this.startHeight = 0;
   this.keepBlocks = this.network.block.keepBlocks;
   this.wipeNoReally = false;
@@ -2236,9 +2236,9 @@ WalletOptions.prototype.fromOptions = function fromOptions(options) {
     this.witness = options.witness;
   }
 
-  if (options.useCheckpoints != null) {
-    assert(typeof options.useCheckpoints === 'boolean');
-    this.useCheckpoints = options.useCheckpoints;
+  if (options.checkpoints != null) {
+    assert(typeof options.checkpoints === 'boolean');
+    this.checkpoints = options.checkpoints;
   }
 
   if (options.startHeight != null) {