diff --git a/common/src/main/java/io/novafoundation/nova/common/utils/BitcoinDestinationAddress.kt b/common/src/main/java/io/novafoundation/nova/common/utils/BitcoinDestinationAddress.kt
index 7263268b..3f43cc11 100644
--- a/common/src/main/java/io/novafoundation/nova/common/utils/BitcoinDestinationAddress.kt
+++ b/common/src/main/java/io/novafoundation/nova/common/utils/BitcoinDestinationAddress.kt
@@ -50,6 +50,19 @@ fun String.decodeBitcoinDestination(): BitcoinDestination {
 
 fun String.isValidBitcoinDestinationAddress(): Boolean = runCatching { decodeBitcoinDestination() }.isSuccess
 
+/**
+ * The raw 20-byte hash underlying any destination type, with its type tag dropped - safe ONLY for consumers
+ * that treat it as an opaque identicon/display seed (e.g. `Chain.accountIdOf` and, downstream, address icon
+ * generation) and never feed it back into [toScriptPubKey] or re-encode it as an address. Real transaction
+ * construction must keep using [decodeBitcoinDestination]/[toScriptPubKey] directly, which keep the type.
+ */
+val BitcoinDestination.hash: ByteArray
+    get() = when (this) {
+        is BitcoinDestination.NativeSegwit -> witnessProgram
+        is BitcoinDestination.P2sh -> scriptHash
+        is BitcoinDestination.P2pkh -> pubKeyHash
+    }
+
 /**
  * @return the scriptPubKey a transaction output must use to actually pay this destination - P2SH/P2PKH have
  * different script shapes from this wallet's own P2WPKH (see [toP2wpkhScriptPubKey]), despite all three being a
diff --git a/runtime/src/main/java/io/novafoundation/nova/runtime/ext/ChainExt.kt b/runtime/src/main/java/io/novafoundation/nova/runtime/ext/ChainExt.kt
index 29b98c62..67fa6ae1 100644
--- a/runtime/src/main/java/io/novafoundation/nova/runtime/ext/ChainExt.kt
+++ b/runtime/src/main/java/io/novafoundation/nova/runtime/ext/ChainExt.kt
@@ -10,6 +10,8 @@ import io.novafoundation.nova.common.utils.TokenSymbol
 import io.novafoundation.nova.common.utils.Urls
 import io.novafoundation.nova.common.utils.asTokenSymbol
 import io.novafoundation.nova.common.utils.bitcoinAddressToAccountId
+import io.novafoundation.nova.common.utils.decodeBitcoinDestination
+import io.novafoundation.nova.common.utils.hash
 import io.novafoundation.nova.common.utils.bitcoinPublicKeyToAccountId
 import io.novafoundation.nova.common.utils.emptyBitcoinAccountId
 import io.novafoundation.nova.common.utils.emptyEthereumAccountId
@@ -303,7 +305,12 @@ fun ByteArray.toEthereumAddress(): String {
 fun Chain.accountIdOf(address: String): ByteArray {
     return when {
         isTronBased -> address.tronAddressToAccountId()
-        isBitcoinBased -> address.bitcoinAddressToAccountId()
+        // Falls back to decodeBitcoinDestination() for a valid P2SH/P2PKH address (real exchange withdrawal
+        // addresses were confirmed to be P2SH-only) - this wallet's own address stays native-SegWit-only, but a
+        // SEND destination legitimately isn't. Safe here ONLY because this generic accountId is used for
+        // opaque purposes (identicon generation, presence checks) elsewhere, never fed back into building a
+        // scriptPubKey - see BitcoinDestinationAddress.kt's [hash] doc.
+        isBitcoinBased -> runCatching { address.bitcoinAddressToAccountId() }.getOrElse { address.decodeBitcoinDestination().hash }
         isEthereumBased -> address.asEthereumAddress().toAccountId().value
         else -> address.toAccountId()
     }