diff --git a/src/main/java/com/yau/digitalrmb/payment/infrastructure/persistence/JdbcPaymentResourceRepository.java b/src/main/java/com/yau/digitalrmb/payment/infrastructure/persistence/JdbcPaymentResourceRepository.java
index b21899c..56bd367 100644
--- a/src/main/java/com/yau/digitalrmb/payment/infrastructure/persistence/JdbcPaymentResourceRepository.java
+++ b/src/main/java/com/yau/digitalrmb/payment/infrastructure/persistence/JdbcPaymentResourceRepository.java
@@ -52,7 +52,7 @@ public class JdbcPaymentResourceRepository implements PaymentResourceRepository
 
     @Override
     public PaymentParticipant loadPayer(PaymentActor actor) {
-        WalletPrerequisiteReference reference = walletProjection.referenceForSubject(
+        WalletPrerequisiteReference reference = walletProjection.ensureForSubject(
                 new InstitutionKeySubject(actor.getUserId(), actor.getSchoolId(), actor.getClassId()));
         return loadParticipant(reference);
     }
@@ -62,7 +62,7 @@ public class JdbcPaymentResourceRepository implements PaymentResourceRepository
         if (teachingPayeeWhitelist.isTeachingWallet(payeeWalletId)) {
             return loadParticipant(teachingPayeeWhitelist.resolve(payeeWalletId));
         }
-        return loadParticipant(walletProjection.referenceForWallet(payeeWalletId));
+        return loadParticipant(walletProjection.ensureForWallet(payeeWalletId));
     }
 
     @Override
diff --git a/src/test/java/com/yau/digitalrmb/payment/interfaces/rest/PaymentControllerTest.java b/src/test/java/com/yau/digitalrmb/payment/interfaces/rest/PaymentControllerTest.java
index f71e843..8a3d4ae 100644
--- a/src/test/java/com/yau/digitalrmb/payment/interfaces/rest/PaymentControllerTest.java
+++ b/src/test/java/com/yau/digitalrmb/payment/interfaces/rest/PaymentControllerTest.java
@@ -238,6 +238,39 @@ class PaymentControllerTest {
                         "WALLET_B_7D8E9F0A1B2C3D4E5F6A7B8C9D0E1F2A3B4C5D6E7F8A9B0C1D2E3F4A5B6"));
     }
 
+    @Test
+    void refreshActionsProjectCompletedModuleThreeWalletsWhenSharedRowsAreMissing() throws Exception {
+        clearSharedWalletProjection();
+        assertThat(jdbc.queryForObject("SELECT COUNT(*) FROM digital_wallet WHERE wallet_id IN (?,?)",
+                Integer.class, PAYER_WALLET, PAYEE_WALLET)).isZero();
+
+        String created = mockMvc.perform(post("/api/v1/payment/attempts").with(payer()))
+                .andExpect(status().isOk())
+                .andReturn().getResponse().getContentAsString();
+        String attemptId = JsonPath.read(created, "$.data.attemptId");
+
+        mockMvc.perform(post("/api/v1/payment/attempts/{id}/steps/01/actions/refresh-payer", attemptId)
+                        .with(payer()).contentType(MediaType.APPLICATION_JSON).content("{}"))
+                .andExpect(status().isOk())
+                .andExpect(jsonPath("$.data.actionStatus").value("COMPLETED"))
+                .andExpect(jsonPath("$.data.output.walletId").value(PAYER_WALLET));
+        mockMvc.perform(post("/api/v1/payment/attempts/{id}/steps/01/actions/refresh-payee", attemptId)
+                        .with(payer()).contentType(MediaType.APPLICATION_JSON)
+                        .content("{\"payeeWalletId\":\"" + PAYEE_WALLET + "\"}"))
+                .andExpect(status().isOk())
+                .andExpect(jsonPath("$.data.actionStatus").value("COMPLETED"))
+                .andExpect(jsonPath("$.data.output.walletId").value(PAYEE_WALLET));
+
+        assertThat(jdbc.queryForObject("SELECT COUNT(*) FROM digital_wallet WHERE wallet_id IN (?,?)",
+                Integer.class, PAYER_WALLET, PAYEE_WALLET)).isEqualTo(2);
+        assertThat(jdbc.queryForObject("SELECT COUNT(*) FROM wallet_certificate WHERE wallet_id IN (?,?)",
+                Integer.class, PAYER_WALLET, PAYEE_WALLET)).isEqualTo(2);
+        assertThat(jdbc.queryForObject("SELECT COUNT(*) FROM wallet_contract WHERE wallet_id IN (?,?)",
+                Integer.class, PAYER_WALLET, PAYEE_WALLET)).isEqualTo(2);
+        assertThat(jdbc.queryForObject("SELECT COUNT(*) FROM wallet_bank_binding WHERE wallet_id IN (?,?)",
+                Integer.class, PAYER_WALLET, PAYEE_WALLET)).isEqualTo(2);
+    }
+
     @Test
     void rejectsPaymentWhenPayerHasNoWalletOwnedCoins() throws Exception {
         String created = mockMvc.perform(post("/api/v1/payments").with(payer()).contentType(MediaType.APPLICATION_JSON)
@@ -427,13 +460,17 @@ class PaymentControllerTest {
     }
 
     private void cleanWalletState() {
+        clearSharedWalletProjection();
+        WalletOpeningTestData.deleteWalletFacts(jdbc, PAYER_USER);
+        WalletOpeningTestData.deleteWalletFacts(jdbc, PAYEE_USER);
+    }
+
+    private void clearSharedWalletProjection() {
         jdbc.update("DELETE FROM wallet_bank_binding WHERE wallet_id IN (?,?)", PAYER_WALLET, PAYEE_WALLET);
         jdbc.update("DELETE FROM wallet_contract WHERE wallet_id IN (?,?)", PAYER_WALLET, PAYEE_WALLET);
         jdbc.update("DELETE FROM wallet_certificate WHERE wallet_id IN (?,?)", PAYER_WALLET, PAYEE_WALLET);
         jdbc.update("DELETE FROM simulated_bank_account WHERE user_id IN (?,?)", PAYER_USER, PAYEE_USER);
         jdbc.update("DELETE FROM digital_wallet WHERE wallet_id IN (?,?)", PAYER_WALLET, PAYEE_WALLET);
-        WalletOpeningTestData.deleteWalletFacts(jdbc, PAYER_USER);
-        WalletOpeningTestData.deleteWalletFacts(jdbc, PAYEE_USER);
     }
 
     private void cleanPaymentData() {