diff --git a/src/wallet/rpc/spend.cpp b/src/wallet/rpc/spend.cpp
index 22c1f2bdc2bdc..83e23497cb8a9 100644
--- a/src/wallet/rpc/spend.cpp
+++ b/src/wallet/rpc/spend.cpp
@@ -1633,7 +1633,7 @@ RPCHelpMan walletcreatefundedpsbt()
         }, true
     );
 
-    UniValue options = request.params[3];
+    UniValue options{request.params[3].isNull() ? UniValue::VOBJ : request.params[3]};
 
     CAmount fee;
     int change_position;