diff --git a/wallets/index.js b/wallets/index.js
index eec62b6aa..1986c6752 100644
--- a/wallets/index.js
+++ b/wallets/index.js
@@ -16,21 +16,26 @@ const WalletsContext = createContext({
   wallets: []
 })
 
+function loadWallet (walletDef, me) {
+  try {
+    const storageKey = getStorageKey(walletDef.name, me?.id)
+    const config = window.localStorage.getItem(storageKey)
+    return { def: walletDef, config: JSON.parse(config) }
+  } catch (e) {
+    // ignore SSR errors
+    return null
+  }
+}
+
 function useLocalWallets () {
   const { me } = useMe()
   const [wallets, setWallets] = useState([])
 
   const loadWallets = useCallback(() => {
     // form wallets from local storage into a list of { config, def }
-    const wallets = walletDefs.map(w => {
-      try {
-        const storageKey = getStorageKey(w.name, me?.id)
-        const config = window.localStorage.getItem(storageKey)
-        return { def: w, config: JSON.parse(config) }
-      } catch (e) {
-        return null
-      }
-    }).filter(Boolean)
+    const wallets = walletDefs
+      .map(w => loadWallet(w, me))
+      .filter(Boolean)
     setWallets(wallets)
   }, [me?.id, setWallets])
 
@@ -64,9 +69,30 @@ const walletDefsOnly = walletDefs.map(w => ({ def: w, config: {} }))
 export function WalletsProvider ({ children }) {
   const { isActive, decrypt } = useVault()
   const { me } = useMe()
+
   const { wallets: localWallets, reloadLocalWallets, removeLocalWallets } = useLocalWallets()
   const [setWalletPriority] = useMutation(SET_WALLET_PRIORITY)
   const [serverWallets, setServerWallets] = useState([])
+
+  // XXX calling hooks in a loop is usually a bad idea
+  // we do this here anyway so we can return all wallets with their loggers included.
+  // we ensure hooks are always called in the same order by sorting the wallets by name.
+  //
+  // we don't use localWallets here because it is empty on first render
+  // so using it would change the order of the hooks between renders.
+  //
+  // see https://legacy.reactjs.org/docs/hooks-rules.html#only-call-hooks-at-the-top-level
+  const loggers = walletDefs
+    .map(w => loadWallet(w, me))
+    .filter(Boolean)
+    .sort((w1, w2) => w1.def.name.localeCompare(w2.def.name))
+    .reduce((acc, w) => {
+      return {
+        ...acc,
+        [w.def.name]: useWalletLogger(w.def)?.logger
+      }
+    }, {})
+
   const client = useApolloClient()
   const { logs } = useWalletLogs()
   const [darkMode] = useDarkMode()
@@ -110,6 +136,7 @@ export function WalletsProvider ({ children }) {
   }, [data?.wallets, decrypt, isActive])
 
   // merge wallets on name like: { ...unconfigured, ...localConfig, ...serverConfig }
+  // also include the logger and the sendPayment function
   const wallets = useMemo(() => {
     const merged = {}
     for (const wallet of [...walletDefsOnly, ...localWallets, ...serverWallets]) {
@@ -131,7 +158,7 @@ export function WalletsProvider ({ children }) {
       }
     }
 
-    // sort by priority, then add status field
+    // sort by priority, then add status field, logger and sendPayment function
     return Object.values(merged)
       .sort(walletPrioritySort)
       .map(w => {
@@ -141,6 +168,9 @@ export function WalletsProvider ({ children }) {
           // wallet.png <-> wallet-dark.png
           imgSrc = image.src.replace(/\.([a-z]{3})$/, '-dark.$1')
         }
+
+        const logger = loggers[w.def.name]
+
         return {
           ...w,
           support: {
@@ -158,10 +188,13 @@ export function WalletsProvider ({ children }) {
               ...w.def.card,
               image: imgSrc ? { src: imgSrc } : undefined
             }
-          }
+          },
+          logger,
+          sendPayment: sendPaymentWithLogger({ ...w, logger })
         }
-      }).map(w => statusFromLog(w, logs))
-  }, [serverWallets, localWallets, logs, darkMode])
+      })
+      .map(w => statusFromLog(w, logs))
+  }, [serverWallets, localWallets, logs, darkMode, loggers])
 
   const settings = useMemo(() => {
     return {
@@ -261,9 +294,12 @@ export function useWallet (name) {
       .filter(w => w.config?.enabled && canSend(w))[0]
   }, [wallets, name])
 
-  const { logger } = useWalletLogger(wallet?.def)
+  return wallet
+}
 
-  const sendPayment = useCallback(async (bolt11) => {
+function sendPaymentWithLogger (wallet) {
+  return async (bolt11) => {
+    const { logger } = wallet
     const decoded = bolt11Decode(bolt11)
     logger.info(`↗ sending payment: ${formatSats(decoded.satoshis)}`, { bolt11 })
     try {
@@ -274,9 +310,5 @@ export function useWallet (name) {
       logger.error(`payment failed: ${message}`, { bolt11 })
       throw err
     }
-  }, [wallet, logger])
-
-  if (!wallet) return null
-
-  return { ...wallet, sendPayment }
+  }
 }