diff --git a/packages/dapp-svelte-wallet/api/src/lib-wallet.js b/packages/dapp-svelte-wallet/api/src/lib-wallet.js
index 6de6ffcfae5..066cb58faf0 100644
--- a/packages/dapp-svelte-wallet/api/src/lib-wallet.js
+++ b/packages/dapp-svelte-wallet/api/src/lib-wallet.js
@@ -78,7 +78,6 @@ export function makeWallet({
   let nowMs;
 
   // Subscribe to the timer service to update our stamp.
-  assert(localTimerService, 'localTimerService is required');
   if (localTimerService) {
     observeNotifier(E(localTimerService).makeNotifier(0n, 1000n), {
       updateState(bigStamp) {
@@ -91,17 +90,19 @@ export function makeWallet({
   let lastSequence = 0;
   const addMeta = record => {
     const { meta: oldMeta = {} } = record;
-    let { sequence, creationStamp } = oldMeta;
-    if (!sequence) {
+    const meta = { ...oldMeta };
+    if (!meta.sequence) {
       // Add a sequence number to the record.
       lastSequence += 1;
-      sequence = lastSequence;
+      meta.sequence = lastSequence;
     }
-    if (!creationStamp) {
-      // Set the creationStamp to be right now.
-      creationStamp = nowMs;
+    if (nowMs !== undefined) {
+      if (!meta.creationStamp) {
+        // Set the creationStamp to be right now.
+        meta.creationStamp = nowMs;
+      }
+      meta.updatedStamp = nowMs;
     }
-    const meta = { ...oldMeta, sequence, creationStamp, updatedStamp: nowMs };
     return { ...record, meta };
   };
 
@@ -1194,7 +1195,11 @@ export function makeWallet({
       actions,
       displayPayment,
     });
-    payments.set(paymentRecord.payment, harden(paymentRecord));
+    if (payments.has(paymentRecord.payment)) {
+      payments.set(paymentRecord.payment, harden(paymentRecord));
+    } else {
+      payments.init(paymentRecord.payment, harden(paymentRecord));
+    }
     paymentsUpdater.updateState([...payments.values()]);
   };
 
@@ -1208,14 +1213,13 @@ export function makeWallet({
       paymentP,
       E(paymentP).getAllegedBrand(),
     ]);
+
     const depositedPK = makePromiseKit();
 
     /** @type {PaymentRecord} */
     let paymentRecord = addMeta({
       payment,
       brand,
-      issuer: undefined,
-      status: undefined,
       actions: Far('payment actions', {
         async deposit(purseOrPetname = undefined) {
           /** @type {Purse} */
diff --git a/packages/dapp-svelte-wallet/api/src/types.js b/packages/dapp-svelte-wallet/api/src/types.js
index 8e32f05017c..66e92ea674c 100644
--- a/packages/dapp-svelte-wallet/api/src/types.js
+++ b/packages/dapp-svelte-wallet/api/src/types.js
@@ -132,6 +132,6 @@
  * @property {(brand: Brand) => IssuerRecord} getByBrand
  * @property {(issuer: Issuer) => boolean} hasByIssuer
  * @property {(issuer: Issuer) => IssuerRecord} getByIssuer
- * @property {(issuerP: ERef<Issuer>, addMeta = x => x) => Promise<IssuerRecord>} initIssuer
+ * @property {(issuerP: ERef<Issuer>, addMeta?: (x: any) => any) => Promise<IssuerRecord>} initIssuer
  * @property {(issuerRecord: IssuerRecord) => void } initIssuerByRecord
  */
diff --git a/packages/dapp-svelte-wallet/api/test/test-lib-wallet.js b/packages/dapp-svelte-wallet/api/test/test-lib-wallet.js
index 9ececdc5c67..5490f257d42 100644
--- a/packages/dapp-svelte-wallet/api/test/test-lib-wallet.js
+++ b/packages/dapp-svelte-wallet/api/test/test-lib-wallet.js
@@ -494,6 +494,9 @@ test('lib-wallet dapp suggests issuer, instance, installation petnames', async t
         },
       },
       inviteHandleBoardId: '727995140',
+      meta: {
+        sequence: 3,
+      },
       proposalTemplate: {},
       requestContext: { dappOrigin: 'unknown' },
       instancePetname: 'automaticRefund',
@@ -625,6 +628,9 @@ test('lib-wallet dapp suggests issuer, instance, installation petnames', async t
         },
       },
       inviteHandleBoardId: '727995140',
+      meta: {
+        sequence: 3,
+      },
       proposalTemplate: {},
       requestContext: { dappOrigin: 'unknown' },
       instancePetname: 'automaticRefund',
@@ -710,6 +716,9 @@ test('lib-wallet offer methods', async t => {
         inviteHandleBoardId: '727995140',
         instance,
         installation,
+        meta: {
+          sequence: 2,
+        },
         proposalTemplate: {
           give: { Contribution: { pursePetname: 'Fun budget', value: 1 } },
           exit: { onDemand: null },
@@ -824,6 +833,9 @@ test('lib-wallet offer methods', async t => {
           },
         },
         inviteHandleBoardId: '727995140',
+        meta: {
+          sequence: 2,
+        },
         proposalTemplate: {
           give: { Contribution: { pursePetname: 'Fun budget', value: 1 } },
           exit: { onDemand: null },
@@ -859,7 +871,7 @@ test('lib-wallet offer methods', async t => {
           description: 'getRefund',
           handle: {
             kind: 'unnamed',
-            petname: 'unnamed-6',
+            petname: 'unnamed-7',
           },
           installation: {
             kind: 'unnamed',
@@ -871,6 +883,9 @@ test('lib-wallet offer methods', async t => {
           },
         },
         inviteHandleBoardId: '371571443',
+        meta: {
+          sequence: 5,
+        },
         proposalTemplate: {
           give: { Contribution: { pursePetname: 'Fun budget', value: 1 } },
           exit: { onDemand: null },