diff --git a/src/consensus/params.cpp b/src/consensus/params.cpp
index 7d348da4a..53c257a86 100644
--- a/src/consensus/params.cpp
+++ b/src/consensus/params.cpp
@@ -25,6 +25,15 @@ namespace Consensus {
         return NetworkUpgradeState(nHeight, *this, idx) == UPGRADE_ACTIVE;
     }
 
+    int Params::HeightOfLatestSettledUpgrade() const {
+        for (auto idxInt = Consensus::MAX_NETWORK_UPGRADES - 1; idxInt > Consensus::BASE_SPROUT; idxInt--) {
+            if (vUpgrades[idxInt].hashActivationBlock.has_value()) {
+                return vUpgrades[idxInt].nActivationHeight;
+            }
+        }
+        return 0;
+    }
+
     bool Params::FeatureRequired(const Consensus::ConsensusFeature feature) const {
         return vRequiredFeatures.count(feature) > 0;
     }
diff --git a/src/consensus/params.h b/src/consensus/params.h
index a24f7520c..0aefaee1f 100644
--- a/src/consensus/params.h
+++ b/src/consensus/params.h
@@ -237,6 +237,12 @@ struct Params {
      */
     bool NetworkUpgradeActive(int nHeight, Consensus::UpgradeIndex idx) const;
 
+    /**
+     * Returns the activation height of the latest settled upgrade, as defined
+     * in <https://zips.z.cash/protocol/protocol.pdf#blockchain>.
+     */
+    int HeightOfLatestSettledUpgrade() const;
+
     bool FutureTimestampSoftForkActive(int nHeight) const;
 
     bool FeatureActive(int nHeight, Consensus::ConsensusFeature feature) const;
diff --git a/src/init.cpp b/src/init.cpp
index b200a3448..98851cad2 100644
--- a/src/init.cpp
+++ b/src/init.cpp
@@ -1099,9 +1099,11 @@ bool AppInit2(boost::thread_group& threadGroup, CScheduler& scheduler)
 #ifdef ENABLE_MINING
     if (mapArgs.count("-mineraddress")) {
         auto addr = keyIO.DecodePaymentAddress(mapArgs["-mineraddress"]);
-        if (!(addr.has_value() && std::visit(ExtractMinerAddress(chainparams.GetConsensus(), 0), addr.value()).has_value())) {
+        auto consensus = chainparams.GetConsensus();
+        int height = consensus.HeightOfLatestSettledUpgrade();
+        if (!(addr.has_value() && std::visit(ExtractMinerAddress(consensus, height), addr.value()).has_value())) {
             return InitError(strprintf(
-                _("Invalid address for -mineraddress=<addr>: '%s' (must be a Sapling or transparent P2PKH address)"),
+                _("Invalid address for -mineraddress=<addr>: '%s' (must be a Sapling or transparent P2PKH address, or a Unified Address containing a valid receiver for the most recent settled network upgrade.)"),
                 mapArgs["-mineraddress"]));
         }
     }