Many people have been asking and/or confused by the different usernames, passwords, and passphrases involved. I thought it would be a good idea to compile this information in one place for easy reference. In regards to dcrd, dcrwallet, and dcrctl there are effectively 2 usernames and 4 passwords/passphrases involved. It easiest to break these down into 3 categories as follows: One username/password pair is used for the dcrd RPC server authentication. Whenever you run dcrd with the --rpcuser (-u) and --rpcpass (-P) options, you are indicating that you would like for dcrd to run an RPC server that is protected by those credentials. Another username/password pair is used for the dcrwallet RPC server authentication. Whenever you run dcrwallet with the --username (-u) and --password (-P) options, you are indicating that you would like for dcrwallet to run an RPC server that is protected by those credentials and to connect to dcrd using the same credentials. It is possible to have different credentials for both servers, in which case you can use the --dcrdusername and --dcrdpassword parameters to configure wallet to connect to the dcrd RPC server using those different credentials. The wallet encryption public and private passphrases. These are the passphrases you entered when creating the wallet. The private encryption passphrase is required, however the public encryption passphrase is optional. If you chose to use public encryption, the public encryption passphrase is specified to dcrwallet with the --walletpass option. These encryption passphrases have to do with how the data on disk and in memory is encrypted. All private keys are encrypted via your private encryption passphrase, while public information is (optionally) encrypted via your public encryption passphrase. This is why the wallet requires you to unlock it with the private encryption passphrase in order to sign transactions (which is required in order to send funds, purchase tickets, and vote).