diff --git a/modules/express/src/clientRoutes.ts b/modules/express/src/clientRoutes.ts
index 7761fcca75..9e10658849 100755
--- a/modules/express/src/clientRoutes.ts
+++ b/modules/express/src/clientRoutes.ts
@@ -18,6 +18,7 @@ import {
   CustomPaillierModulusGetterFunction,
   CustomRShareGeneratingFunction,
   CustomSShareGeneratingFunction,
+  DeriveAddressOptions,
   EcdsaMPCv2Utils,
   EcdsaUtils,
   EddsaMPCv2Utils,
@@ -697,6 +698,75 @@ export async function handleV2GenerateWallet(req: ExpressApiRouteRequest<'expres
   return { ...result, wallet: result.wallet.toJSON() };
 }
 
+/**
+ * Independently verify newly created address(es) against client-supplied trusted keychains.
+ *
+ * "Bring your own trusted keys": the caller passes keychains it holds independently, and we
+ * locally re-derive each created address and compare it to what the service returned. Because the
+ * keys do not come from the service, a match is an independent correctness guarantee (unlike the
+ * SDK's built-in check, which verifies using service-fetched keys). Throws on any mismatch.
+ *
+ * The caller opted in by supplying the keychains, so if the coin/wallet does not support local
+ * derivation we surface that as an error rather than silently skipping the requested verification.
+ */
+/**
+ * The fields of a created address we read to re-derive it. `wallet.createAddress` is typed `any`
+ * in the SDK and returns either a single address or `{ addresses: [...] }`, so we model just the
+ * subset we consume and reuse {@link DeriveAddressOptions} types for the derivation inputs.
+ */
+type CreatedAddress = {
+  address?: unknown;
+  index?: unknown;
+  chain?: number;
+  format?: DeriveAddressOptions['format'];
+  baseAddress?: string;
+  coinSpecific?: DeriveAddressOptions['coinSpecific'];
+};
+type CreateAddressResult = CreatedAddress & { addresses?: CreatedAddress[] };
+
+async function verifyCreatedAddressesWithTrustedKeys(
+  coin: ReturnType<BitGo['coin']>,
+  wallet: Wallet,
+  result: CreateAddressResult,
+  trustedKeychains: ({ pub: string } | { commonKeychain: string })[]
+): Promise<void> {
+  const addresses = Array.isArray(result?.addresses) ? result.addresses : [result];
+  const walletCoinSpecific = (wallet.coinSpecific?.() ?? {}) as { walletVersion?: number; baseAddress?: string };
+
+  for (const addr of addresses) {
+    if (!addr || typeof addr.address !== 'string' || typeof addr.index !== 'number') {
+      continue;
+    }
+    // The caller opted in, so any derivation failure (e.g. an unsupported coin) must surface as a
+    // 400 rather than the default 500 — hence we map derivation errors and mismatches alike to 400.
+    try {
+      const derived = await coin.deriveAddress({
+        keychains: trustedKeychains,
+        index: addr.index,
+        chain: addr.chain,
+        format: addr.format,
+        walletVersion: walletCoinSpecific.walletVersion,
+        baseAddress: addr.baseAddress ?? walletCoinSpecific.baseAddress,
+        coinSpecific: addr.coinSpecific,
+      });
+      if (derived.address !== addr.address) {
+        throw new ApiResponseError(
+          `address verification failed: service returned ${addr.address} but trusted keychains derive ${derived.address}`,
+          400
+        );
+      }
+    } catch (e) {
+      if (e instanceof ApiResponseError) {
+        throw e;
+      }
+      throw new ApiResponseError(
+        `address verification with trusted keychains failed for ${addr.address}: ${(e as Error).message}`,
+        400
+      );
+    }
+  }
+}
+
 /**
  * handle new address creation
  * @param req
@@ -705,7 +775,17 @@ export async function handleV2CreateAddress(req: ExpressApiRouteRequest<'express
   const bitgo = req.bitgo;
   const coin = bitgo.coin(req.decoded.coin);
   const wallet = await coin.wallets().get({ id: req.decoded.id });
-  return wallet.createAddress(req.decoded);
+  const result = await wallet.createAddress(req.decoded);
+
+  // Opt-in, per-request: if the caller supplied trusted keychains, independently verify the
+  // created address(es) before returning. No effect on requests that omit trustedKeychains.
+  // Token (e.g. SPL) deposit addresses derive differently (associated token account) and are not
+  // verified here yet — that lands once token derivation (WCN-1054) is available on this path.
+  const trustedKeychains = req.decoded.trustedKeychains;
+  if (trustedKeychains && trustedKeychains.length > 0 && !req.decoded.onToken) {
+    await verifyCreatedAddressesWithTrustedKeys(coin, wallet, result, trustedKeychains);
+  }
+  return result;
 }
 
 /**
diff --git a/modules/express/src/typedRoutes/api/v2/createAddress.ts b/modules/express/src/typedRoutes/api/v2/createAddress.ts
index 7a366fb999..b44251c61d 100644
--- a/modules/express/src/typedRoutes/api/v2/createAddress.ts
+++ b/modules/express/src/typedRoutes/api/v2/createAddress.ts
@@ -2,6 +2,7 @@ import * as t from 'io-ts';
 import { httpRoute, httpRequest, optional } from '@api-ts/io-ts-http';
 import { BitgoExpressError } from '../../schemas/error';
 import { EIP1559, ForwarderVersion, CreateAddressFormat } from '../../schemas/address';
+import { DeriveAddressKeychainCodec } from './deriveAddress';
 
 /**
  * Path parameters for creating a wallet address
@@ -51,6 +52,15 @@ export const CreateAddressBody = {
   baseAddress: optional(t.string),
   /** When false, throws error if address verification is skipped (e.g., during pending chain initialization). Default: true */
   allowSkipVerifyAddress: optional(t.boolean),
+  /**
+   * Optional independently-held keychains (public key material only). When provided, Express
+   * locally re-derives each newly created address from these keys and fails the request if it
+   * does not match the address returned by the service — an independent ("bring your own trusted
+   * keys") verification folded into the create call. Omit to keep the default behavior.
+   * Supported for coins with local derivation (BTC/UTXO, ETH MPC + forwarder, SOL incl. SPL tokens);
+   * requesting it for an unsupported coin returns an error rather than silently skipping.
+   */
+  trustedKeychains: optional(t.array(DeriveAddressKeychainCodec)),
 } as const;
 
 /** Response for creating wallet address(es) */
diff --git a/modules/express/test/unit/typedRoutes/createAddress.ts b/modules/express/test/unit/typedRoutes/createAddress.ts
index 5e34dd1669..dad41a13cd 100644
--- a/modules/express/test/unit/typedRoutes/createAddress.ts
+++ b/modules/express/test/unit/typedRoutes/createAddress.ts
@@ -157,6 +157,98 @@ describe('CreateAddress codec tests', function () {
         true
       );
     });
+
+    describe('trustedKeychains verification', function () {
+      const trustedKeychains = [{ pub: 'xpub-user' }, { pub: 'xpub-backup' }, { pub: 'xpub-bitgo' }];
+
+      function stubCoin(deriveAddressStub: sinon.SinonStub) {
+        const mockWallet = {
+          createAddress: sinon.stub().resolves(mockResponse),
+          coinSpecific: sinon.stub().returns({}),
+        };
+        const mockCoin = {
+          wallets: sinon.stub().returns({ get: sinon.stub().resolves(mockWallet) }),
+          deriveAddress: deriveAddressStub,
+        };
+        sinon.stub(BitGo.prototype, 'coin').returns(mockCoin as any);
+        return { mockCoin };
+      }
+
+      it('returns the address when the derived address matches the trusted keychains', async function () {
+        const deriveAddressStub = sinon.stub().resolves({ address: mockResponse.address, index: 1 });
+        const { mockCoin } = stubCoin(deriveAddressStub);
+
+        const result = await agent
+          .post(`/api/v2/${coin}/wallet/${walletId}/address`)
+          .set('Authorization', 'Bearer test_access_token_12345')
+          .set('Content-Type', 'application/json')
+          .send({ chain: 0, trustedKeychains });
+
+        assert.strictEqual(result.status, 200);
+        assert.strictEqual(result.body.address, mockResponse.address);
+        // deriveAddress was called with the client's trusted keychains (not service keys)
+        sinon.assert.calledOnce(mockCoin.deriveAddress);
+        const callArgs = mockCoin.deriveAddress.firstCall.args[0];
+        assert.deepStrictEqual(callArgs.keychains, trustedKeychains);
+        assert.strictEqual(callArgs.index, 1);
+      });
+
+      it('returns 400 when the derived address does not match (service returned a different address)', async function () {
+        const deriveAddressStub = sinon.stub().resolves({ address: '2NDifferentAddressXXXXXXXXXXXXXXXXXXX', index: 1 });
+        stubCoin(deriveAddressStub);
+
+        const result = await agent
+          .post(`/api/v2/${coin}/wallet/${walletId}/address`)
+          .set('Authorization', 'Bearer test_access_token_12345')
+          .set('Content-Type', 'application/json')
+          .send({ chain: 0, trustedKeychains });
+
+        assert.strictEqual(result.status, 400);
+        result.body.should.have.property('error');
+      });
+
+      it('returns 400 when derivation is not supported for the coin/wallet (caller opted in)', async function () {
+        const deriveAddressStub = sinon.stub().rejects(new Error('deriveAddress is not supported for this coin'));
+        stubCoin(deriveAddressStub);
+
+        const result = await agent
+          .post(`/api/v2/${coin}/wallet/${walletId}/address`)
+          .set('Authorization', 'Bearer test_access_token_12345')
+          .set('Content-Type', 'application/json')
+          .send({ chain: 0, trustedKeychains });
+
+        assert.strictEqual(result.status, 400);
+        result.body.should.have.property('error');
+      });
+
+      it('does not verify (no deriveAddress call) when trustedKeychains is omitted', async function () {
+        const deriveAddressStub = sinon.stub().resolves({ address: mockResponse.address, index: 1 });
+        const { mockCoin } = stubCoin(deriveAddressStub);
+
+        const result = await agent
+          .post(`/api/v2/${coin}/wallet/${walletId}/address`)
+          .set('Authorization', 'Bearer test_access_token_12345')
+          .set('Content-Type', 'application/json')
+          .send({ chain: 0 });
+
+        assert.strictEqual(result.status, 200);
+        sinon.assert.notCalled(mockCoin.deriveAddress);
+      });
+
+      it('skips trusted verification for token (onToken) addresses', async function () {
+        const deriveAddressStub = sinon.stub().resolves({ address: mockResponse.address, index: 1 });
+        const { mockCoin } = stubCoin(deriveAddressStub);
+
+        const result = await agent
+          .post(`/api/v2/${coin}/wallet/${walletId}/address`)
+          .set('Authorization', 'Bearer test_access_token_12345')
+          .set('Content-Type', 'application/json')
+          .send({ chain: 0, trustedKeychains, onToken: 'tsol:usdc' });
+
+        assert.strictEqual(result.status, 200);
+        sinon.assert.notCalled(mockCoin.deriveAddress);
+      });
+    });
   });
 
   describe('CreateAddressParams', function () {