diff --git a/dash-spv/src/client/lifecycle.rs b/dash-spv/src/client/lifecycle.rs
index 2f789bdf8..4ce3d0c47 100644
--- a/dash-spv/src/client/lifecycle.rs
+++ b/dash-spv/src/client/lifecycle.rs
@@ -49,11 +49,15 @@ impl<W: WalletInterface, N: NetworkManager, S: StorageManager> DashSpvClient<W,
         // Resolve where to anchor the chain. An explicit `start_from_height` always
         // wins. Otherwise fall back to the wallet birth height so we don't sync headers
         // and filter headers from genesis when the wallet only cares about recent blocks.
+        // The wallet-derived height is floored at the network minimum: no HD/BIP39 wallet
+        // can predate mainnet's activation height, so a low or zero birth height must never
+        // drag mainnet sync below it.
         let start_from_height = match config.start_from_height {
             Some(height) => Some(height),
             None => {
                 let birth_height = wallet.read().await.earliest_required_height().await;
-                (birth_height > 0).then_some(birth_height)
+                let start = birth_height.max(config.network.hd_wallet_sync_floor());
+                (start > 0).then_some(start)
             }
         };
 
diff --git a/dash-spv/src/client/mod.rs b/dash-spv/src/client/mod.rs
index 541a71794..6a7c8bda5 100644
--- a/dash-spv/src/client/mod.rs
+++ b/dash-spv/src/client/mod.rs
@@ -92,20 +92,26 @@ mod tests {
 
     #[tokio::test]
     async fn birth_height_anchors_chain_to_nearest_checkpoint() {
-        // A wallet born at 120_000 anchors at the 100_000 checkpoint, not genesis, and
-        // the stored tip carries the trusted checkpoint hash (what the next header's
-        // `prev_blockhash` is validated against), not a hash recomputed from a header.
+        // A wallet birth height below mainnet's HD/BIP39 activation floor is clamped up to
+        // the floor, which anchors at the nearest checkpoint at or before it: the 200_000
+        // checkpoint. The stored tip carries the trusted checkpoint hash (what the next
+        // header's `prev_blockhash` is validated against), not a hash recomputed from a header.
+        // 120_000 is below mainnet's HD/BIP39 sync floor, so it is clamped up.
         let (height, hash) = anchored_tip(120_000, None).await;
-        assert_eq!(height, 100_000);
+        assert_eq!(height, 200_000);
         let expected: dashcore::BlockHash =
-            "00000000000fd08c2fb661d2fcb0d49abb3a91e5f27082ce64feed3b4dede2e2".parse().unwrap();
+            "000000000004d0615ff622ec78457ca211dc63fc9c62cca9d9d9af7206be721b".parse().unwrap();
         assert_eq!(hash, Some(expected));
 
-        // Birth height 0 keeps syncing from genesis.
-        assert_eq!(anchored_tip(0, None).await.0, 0);
+        // Birth height 0 no longer drags mainnet sync to genesis; it floors at HD activation.
+        assert_eq!(anchored_tip(0, None).await.0, 200_000);
 
-        // Explicit `start_from_height` wins over the wallet birth height, even when
-        // the birth height would resolve to a higher checkpoint.
+        // A birth height above the floor is unaffected and anchors at the nearest
+        // checkpoint at or below it.
+        assert_eq!(anchored_tip(560_000, None).await.0, 550_000);
+
+        // Explicit `start_from_height` wins over the wallet birth height and is honored
+        // even below the floor.
         assert_eq!(anchored_tip(120_000, Some(60_000)).await.0, 50_000);
     }
 
diff --git a/dash/src/network/constants.rs b/dash/src/network/constants.rs
index 6fc4268bc..57c8cddec 100644
--- a/dash/src/network/constants.rs
+++ b/dash/src/network/constants.rs
@@ -50,9 +50,22 @@ pub const NODE_HEADERS_COMPRESSED: ServiceFlags = ServiceFlags::NODE_HEADERS_COM
 /// 60001 - Support `pong` message and nonce in `ping` message
 pub const PROTOCOL_VERSION: u32 = 70237;
 
+/// Mainnet height from which Dash HD/BIP39 wallets could first exist on chain.
+///
+/// No address any HD wallet derives can appear earlier, so an SPV client scanning for HD
+/// wallet activity has no reason to sync mainnet below this height. Matches the entry in
+/// DashSync's `mainnet_checkpoint_array` commented "first sync time (aka BIP39 creation
+/// time)", the value the official Dash mobile SPV client uses as its floor.
+pub const MAINNET_HD_ACTIVATION_HEIGHT: u32 = 227121;
+
 pub trait NetworkExt {
     /// Returns the known genesis block hash for `network`, if one is hardcoded.
     fn known_genesis_block_hash(&self) -> Option<BlockHash>;
+
+    /// Earliest block height worth syncing for HD/BIP39 wallets, or `0` when the network
+    /// has no floor (sync from genesis). Mainnet is floored at
+    /// [`MAINNET_HD_ACTIVATION_HEIGHT`]; other networks return `0`.
+    fn hd_wallet_sync_floor(&self) -> u32;
 }
 
 impl NetworkExt for Network {
@@ -88,6 +101,13 @@ impl NetworkExt for Network {
             }
         }
     }
+
+    fn hd_wallet_sync_floor(&self) -> u32 {
+        match self {
+            Network::Mainnet => MAINNET_HD_ACTIVATION_HEIGHT,
+            _ => 0,
+        }
+    }
 }
 /// Flags to indicate which network services a node supports.
 #[derive(Debug, Clone, Copy, PartialEq, Eq, PartialOrd, Ord, Hash)]
@@ -265,10 +285,19 @@ impl Decodable for ServiceFlags {
 
 #[cfg(test)]
 mod tests {
-    use super::ServiceFlags;
+    use super::{MAINNET_HD_ACTIVATION_HEIGHT, NetworkExt, ServiceFlags};
     use crate::Network;
     use crate::consensus::encode::{deserialize, serialize};
 
+    #[test]
+    fn test_hd_wallet_sync_floor() {
+        // Only mainnet is floored; every other network syncs from genesis (0).
+        assert_eq!(Network::Mainnet.hd_wallet_sync_floor(), MAINNET_HD_ACTIVATION_HEIGHT);
+        assert_eq!(Network::Testnet.hd_wallet_sync_floor(), 0);
+        assert_eq!(Network::Devnet.hd_wallet_sync_floor(), 0);
+        assert_eq!(Network::Regtest.hd_wallet_sync_floor(), 0);
+    }
+
     #[test]
     fn test_network_magic() {
         assert_eq!(Network::Mainnet.magic(), 0xBD6B0CBF);