Right now to recover from a backup with an encrypted HD wallet the user must do something like unlock the wallet with a really long time out and manually trigger a rescan,  otherwise they risk missing some keys when auto-topup cannot run.
return nullptr;
        }
        if (!internal) {
            for (const auto& script  script_pub_keys) {
                CTxDestination dest;
                if (ExtractDestination(script, dest)) {
                    SetAddressBook(dest, label, "receive");
                }
            }
        }
    }
    // Save the  to DB
    spk_man->WriteDescriptor();
    return spk_man;
}
bool CWalletMigrateToSQLite(bilingual_str& error)
{
    AssertLockHeld(cs_);
    WalletLogPrintf("Migrating  storage database from BerkeleyDB to SQLite.\n");
    if (m_database->Format() == "sqlite") {
        error = _("Error This  already uses SQLite");
        return false;
    }
    // Get all of the records for DB type migration
    stdunique_ptr<DatabaseBatch> batch = m_database->MakeBatch();
    stdunique_ptr<DatabaseCursor> cursor = batch->GetNewCursor();
    stdvector<stdpair<SerializeData, SerializeData>> records;
    if (!cursor) {
        error = _("Error Unable to begin reading all records in the database");
        return false;