diff --git a/dex/testing/xmr/harness.sh b/dex/testing/xmr/harness.sh
index 876fef3e2e..ee70a4ccf1 100755
--- a/dex/testing/xmr/harness.sh
+++ b/dex/testing/xmr/harness.sh
@@ -1,6 +1,11 @@
 #!/usr/bin/env bash
 # Tmux script that sets up an XMR regtest harness with one node 'alpha' and 3
 # wallets 'fred', 'bill' & 'charlie'. Charlie also has a View-Only sibling.
+#
+# There is now a new monero-wallet-rpc server with no attached wallet. This is
+# for programmatically creating and using a new wallet. The wallet will be gen-
+# erated in "own" directory but can be named whatever you need - maybe "alice",
+# "Bob" or "carol"
 
 ################################################################################
 # Development
@@ -38,6 +43,7 @@ export FRED_WALLET_RPC_PORT="28084"
 export BILL_WALLET_RPC_PORT="28184"
 export CHARLIE_WALLET_RPC_PORT="28284"
 export CHARLIE_VIEW_WALLET_RPC_PORT="28384"
+export OWN_WALLET_RPC_PORT="28484"
 
 # wallet seeds, passwords & primary addresses
 FRED_WALLET_SEED="vibrate fever timber cuffs hunter terminal dilute losing light because nabbing slower royal brunt gnaw vats fishing tipsy toxic vague oscar fudge mice nasty light"
@@ -63,6 +69,7 @@ FRED_WALLET_DIR="${NODES_ROOT}/wallets/fred"
 BILL_WALLET_DIR="${NODES_ROOT}/wallets/bill"
 CHARLIE_WALLET_DIR="${NODES_ROOT}/wallets/charlie"
 CHARLIE_VIEW_WALLET_DIR="${NODES_ROOT}/wallets/charlie_view"
+OWN_WALLET_DIR="${NODES_ROOT}/wallets/own"
 HARNESS_CTL_DIR="${NODES_ROOT}/harness-ctl"
 ALPHA_DATA_DIR="${NODES_ROOT}/alpha"
 ALPHA_REGTEST_CFG="${ALPHA_DATA_DIR}/alpha.conf"
@@ -74,14 +81,15 @@ mkdir -p "${FRED_WALLET_DIR}"
 mkdir -p "${BILL_WALLET_DIR}"
 mkdir -p "${CHARLIE_WALLET_DIR}"
 mkdir -p "${CHARLIE_VIEW_WALLET_DIR}"
+mkdir -p "${OWN_WALLET_DIR}"
 mkdir -p "${HARNESS_CTL_DIR}"
 mkdir -p "${ALPHA_DATA_DIR}"
-touch    "${ALPHA_REGTEST_CFG}"           # currently empty
+touch    "${ALPHA_REGTEST_CFG}"
 
-# make available from the harness-ctl dir
-cp monero_functions ${HARNESS_CTL_DIR}
+# make available from the harness-ctl dir 
+cp monero_functions ${HARNESS_CTL_DIR} 
 
-# Background watch mining in window ??? by default:
+# Background watch mining in window 7 by default:
 # 'export NOMINER="1"' or uncomment this line to disable
 #NOMINER="1"
 
@@ -111,7 +119,7 @@ EOF
 chmod +x "${HARNESS_CTL_DIR}/alpha_sendrawtransaction"
 # -----------------------------------------------------------------------------
 
-# Get one or more transactions from monerod
+# Get one or more transaction details from monerod
 # inputs:
 # - txids as hex string - "hash1,hash2,hash3,..."
 # - decode_as_json - defaults to false
@@ -372,6 +380,7 @@ cat > "${HARNESS_CTL_DIR}/wallets" <<EOF
 env | grep FRED
 env | grep BILL
 env | grep CHARLIE
+env | grep OWN
 EOF
 chmod +x "${HARNESS_CTL_DIR}/wallets"
 # -----------------------------------------------------------------------------
@@ -381,9 +390,11 @@ cat > "${NODES_ROOT}/harness-ctl/quit" <<EOF
 #!/usr/bin/env bash
 if [ -z "$NOMINER" ]
 then
-   tmux send-keys -t $SESSION:6 C-c
+   tmux send-keys -t $SESSION:7 C-c
 fi
 sleep 0.05
+tmux send-keys -t $SESSION:6 C-c
+sleep 0.05
 tmux send-keys -t $SESSION:5 C-c
 sleep 0.05
 tmux send-keys -t $SESSION:4 C-c
@@ -412,10 +423,17 @@ chmod +x "${HARNESS_CTL_DIR}/help"
 ################################################################################
 # Configuration Files
 ################################################################################
-echo "Writing node config files"
-
-echo "empty config file in ${ALPHA_DATA_DIR}"
-echo "TODO: populate; for now we have no passwords and the ports are not random"
+echo "Writing alpha node config file ${ALPHA_REGTEST_CFG}"
+
+cat > "${ALPHA_REGTEST_CFG}" <<EOF
+regtest=1
+offline=1
+data-dir=${ALPHA_DATA_DIR}
+rpc-bind-ip=127.0.0.1
+rpc-bind-port=${ALPHA_NODE_RPC_PORT}
+fixed-difficulty=1
+log-level=1
+EOF
 
 ################################################################################
 # Start tmux harness
@@ -434,21 +452,13 @@ tmux send-keys -t $SESSION:0 "cd ${HARNESS_CTL_DIR}" C-m
 ################################################################################
 
 # start alpha node - window 1
-echo "starting singlenode alpha"
+echo "starting singlenode alpha with config-file: ${ALPHA_REGTEST_CFG}"
 
 tmux new-window -t $SESSION:1 -n 'alpha' $SHELL
 tmux send-keys -t $SESSION:1 "set +o history" C-m
 tmux send-keys -t $SESSION:1 "cd ${ALPHA_DATA_DIR}" C-m
 
-tmux send-keys -t $SESSION:1 "monerod \
-   --regtest \
-   --offline \
-   --data-dir ${ALPHA_DATA_DIR} \
-   --config-file ${ALPHA_REGTEST_CFG} \
-   --rpc-bind-ip 127.0.0.1 \
-   --rpc-bind-port ${ALPHA_NODE_RPC_PORT} \
-   --fixed-difficulty 1 \
-   --log-level 2; tmux wait-for -S alphaxmr" C-m
+tmux send-keys -t $SESSION:1 "monerod --config-file=${ALPHA_REGTEST_CFG}; tmux wait-for -S alphaxmr" C-m
 
 sleep 5
 
@@ -474,7 +484,7 @@ tmux send-keys -t $SESSION:2 "monero-wallet-rpc \
 
 sleep 2
 
-# Start the second wallet client - window 3
+# Start the second wallet server - window 3
 echo "starting bill wallet server"
 
 tmux new-window -t $SESSION:3 -n 'bill' $SHELL
@@ -491,7 +501,7 @@ tmux send-keys -t $SESSION:3 "monero-wallet-rpc \
 sleep 2
 
 # Start the third wallet server - window 4
-echo "starting bill wallet client"
+echo "starting bill wallet server"
 
 tmux new-window -t $SESSION:4 -n 'charlie' $SHELL
 tmux send-keys -t $SESSION:4 "set +o history" C-m
@@ -507,7 +517,7 @@ tmux send-keys -t $SESSION:4 "monero-wallet-rpc \
 sleep 2
 
 # Start the fourth wallet server - window 5
-echo "starting charlie_view wallet client"
+echo "starting charlie_view wallet server"
 
 tmux new-window -t $SESSION:5 -n 'charlie_view' $SHELL
 tmux send-keys -t $SESSION:5 "set +o history" C-m
@@ -522,6 +532,22 @@ tmux send-keys -t $SESSION:5 "monero-wallet-rpc \
 
 sleep 2
 
+# Start the fifth wallet server - window 5
+echo "starting Own wallet server"
+
+tmux new-window -t $SESSION:6 -n 'own' $SHELL
+tmux send-keys -t $SESSION:6 "set +o history" C-m
+tmux send-keys -t $SESSION:6 "cd ${OWN_WALLET_DIR}" C-m
+
+tmux send-keys -t $SESSION:6 "monero-wallet-rpc \
+   --rpc-bind-ip 127.0.0.1 \
+   --rpc-bind-port ${OWN_WALLET_RPC_PORT} \
+   --wallet-dir ${OWN_WALLET_DIR} \
+   --disable-rpc-login \
+   --allow-mismatched-daemon-version; tmux wait-for -S ownxmr" C-m
+
+sleep 2
+
 ################################################################################
 # Create the wallets
 ################################################################################
@@ -601,9 +627,9 @@ sleep 3
 # Watch miner
 if [ -z "$NOMINER" ]
 then
-  tmux new-window -t $SESSION:6 -n "miner" $SHELL
-  tmux send-keys -t $SESSION:6 "cd ${NODES_ROOT}/harness-ctl" C-m
-  tmux send-keys -t $SESSION:6 "watch -n 15 ./mine-to-bill 1" C-m
+  tmux new-window -t $SESSION:7 -n "miner" $SHELL
+  tmux send-keys -t $SESSION:7 "cd ${NODES_ROOT}/harness-ctl" C-m
+  tmux send-keys -t $SESSION:7 "watch -n 15 ./mine-to-bill 1" C-m
 fi
 
 # Re-enable history and attach to the control session.