diff --git a/client/v2/autocli/app.go b/client/v2/autocli/app.go
index 833332b111..0172b4c3e8 100644
--- a/client/v2/autocli/app.go
+++ b/client/v2/autocli/app.go
@@ -1,6 +1,8 @@
 package autocli
 
 import (
+	"errors"
+
 	autocliv1 "cosmossdk.io/api/cosmos/autocli/v1"
 	"cosmossdk.io/client/v2/autocli/flag"
 	"cosmossdk.io/core/address"
@@ -19,8 +21,8 @@ import (
 //	var autoCliOpts autocli.AppOptions
 //	err := depinject.Inject(appConfig, &encodingConfig.InterfaceRegistry, &autoCliOpts)
 //
-// If depinject isn't used, options can be provided manually or extracted from modules. One method for extracting autocli
-// options is via the github.com/cosmos/cosmos-sdk/runtime/services.ExtractAutoCLIOptions function.
+// If depinject isn't used, options can be provided manually or extracted from modules and the address codec can be provided by the auth keeper.
+// One method for extracting autocli options is via the github.com/cosmos/cosmos-sdk/runtime/services.ExtractAutoCLIOptions function.
 type AppOptions struct {
 	depinject.In
 
@@ -34,8 +36,7 @@ type AppOptions struct {
 	ModuleOptions map[string]*autocliv1.ModuleOptions `optional:"true"`
 
 	// AddressCodec is the address codec to use for the app.
-	// If not provided the default address prefix will be fetched from the reflection client.
-	AddressCodec address.Codec `optional:"true"`
+	AddressCodec address.Codec
 }
 
 // EnhanceRootCommand enhances the provided root command with autocli AppOptions,
@@ -57,9 +58,6 @@ func (appOptions AppOptions) EnhanceRootCommand(rootCmd *cobra.Command) error {
 	builder := &Builder{
 		Builder: flag.Builder{
 			AddressCodec: appOptions.AddressCodec,
-			GetClientConn: func() (grpc.ClientConnInterface, error) {
-				return client.GetClientQueryContext(rootCmd)
-			},
 		},
 		GetClientConn: func(cmd *cobra.Command) (grpc.ClientConnInterface, error) {
 			return client.GetClientQueryContext(cmd)
@@ -72,6 +70,10 @@ func (appOptions AppOptions) EnhanceRootCommand(rootCmd *cobra.Command) error {
 }
 
 func (appOptions AppOptions) EnhanceRootCommandWithBuilder(rootCmd *cobra.Command, builder *Builder) error {
+	if builder.AddressCodec == nil {
+		return errors.New("address codec is required in builder")
+	}
+
 	// extract any custom commands from modules
 	customQueryCmds, customMsgCmds := map[string]*cobra.Command{}, map[string]*cobra.Command{}
 	for name, module := range appOptions.Modules {
diff --git a/client/v2/autocli/common_test.go b/client/v2/autocli/common_test.go
index 98730c3f99..4f605a4f48 100644
--- a/client/v2/autocli/common_test.go
+++ b/client/v2/autocli/common_test.go
@@ -6,15 +6,17 @@ import (
 	"net"
 	"testing"
 
-	reflectionv2alpha1 "cosmossdk.io/api/cosmos/base/reflection/v2alpha1"
-	"cosmossdk.io/client/v2/autocli/flag"
-	"cosmossdk.io/client/v2/internal/testpb"
-	"github.com/cosmos/cosmos-sdk/client/flags"
 	"github.com/spf13/cobra"
 	"google.golang.org/grpc"
+	"google.golang.org/grpc/credentials/insecure"
 	"gotest.tools/v3/assert"
 
-	"google.golang.org/grpc/credentials/insecure"
+	reflectionv2alpha1 "cosmossdk.io/api/cosmos/base/reflection/v2alpha1"
+	"github.com/cosmos/cosmos-sdk/client/flags"
+	addresscodec "github.com/cosmos/cosmos-sdk/codec/address"
+
+	"cosmossdk.io/client/v2/autocli/flag"
+	"cosmossdk.io/client/v2/internal/testpb"
 )
 
 func testExecCommon(t *testing.T, buildModuleCommand func(string, *Builder) (*cobra.Command, error), args ...string) *testClientConn {
@@ -47,9 +49,7 @@ func testExecCommon(t *testing.T, buildModuleCommand func(string, *Builder) (*co
 	}
 	b := &Builder{
 		Builder: flag.Builder{
-			GetClientConn: func() (grpc.ClientConnInterface, error) {
-				return conn, nil
-			},
+			AddressCodec: addresscodec.NewBech32Codec("cosmos"),
 		},
 		GetClientConn: func(*cobra.Command) (grpc.ClientConnInterface, error) {
 			return conn, nil
diff --git a/client/v2/autocli/flag/address.go b/client/v2/autocli/flag/address.go
index 4897a7461e..5b5243528a 100644
--- a/client/v2/autocli/flag/address.go
+++ b/client/v2/autocli/flag/address.go
@@ -4,33 +4,14 @@ import (
 	"context"
 	"fmt"
 
-	reflectionv2alpha1 "cosmossdk.io/api/cosmos/base/reflection/v2alpha1"
-	"cosmossdk.io/core/address"
 	"google.golang.org/protobuf/reflect/protoreflect"
 
-	addresscodec "github.com/cosmos/cosmos-sdk/codec/address"
+	"cosmossdk.io/core/address"
 )
 
 type addressStringType struct{}
 
 func (a addressStringType) NewValue(ctx context.Context, b *Builder) Value {
-	if b.AddressCodec == nil {
-		conn, err := b.GetClientConn()
-		if err != nil {
-			panic(err)
-		}
-		reflectionClient := reflectionv2alpha1.NewReflectionServiceClient(conn)
-		resp, err := reflectionClient.GetConfigurationDescriptor(ctx, &reflectionv2alpha1.GetConfigurationDescriptorRequest{})
-		if err != nil {
-			panic(err)
-		}
-		if resp == nil || resp.Config == nil {
-			panic("bech32 account address prefix is not set")
-		}
-
-		b.AddressCodec = addresscodec.NewBech32Codec(resp.Config.Bech32AccountAddressPrefix)
-	}
-
 	return &addressValue{addressCodec: b.AddressCodec}
 }
 
diff --git a/client/v2/autocli/flag/builder.go b/client/v2/autocli/flag/builder.go
index ad2057ef46..1d9ec4f09a 100644
--- a/client/v2/autocli/flag/builder.go
+++ b/client/v2/autocli/flag/builder.go
@@ -1,7 +1,6 @@
 package flag
 
 import (
-	"google.golang.org/grpc"
 	"google.golang.org/protobuf/reflect/protodesc"
 	"google.golang.org/protobuf/reflect/protoreflect"
 	"google.golang.org/protobuf/reflect/protoregistry"
@@ -27,9 +26,6 @@ type Builder struct {
 
 	// AddressCodec is the address codec used for the address flag
 	AddressCodec address.Codec
-
-	// GetClientConn is the reflection client for the address flag
-	GetClientConn func() (grpc.ClientConnInterface, error)
 }
 
 func (b *Builder) init() {
diff --git a/codec/address/bech32_codec.go b/codec/address/bech32_codec.go
index d1daf93703..aaac921f35 100644
--- a/codec/address/bech32_codec.go
+++ b/codec/address/bech32_codec.go
@@ -1,6 +1,9 @@
 package address
 
 import (
+	"errors"
+	"strings"
+
 	"cosmossdk.io/core/address"
 	errorsmod "cosmossdk.io/errors"
 
@@ -21,13 +24,17 @@ func NewBech32Codec(prefix string) address.Codec {
 
 // StringToBytes encodes text to bytes
 func (bc Bech32Codec) StringToBytes(text string) ([]byte, error) {
+	if len(strings.TrimSpace(text)) == 0 {
+		return []byte{}, errors.New("empty address string is not allowed")
+	}
+
 	hrp, bz, err := bech32.DecodeAndConvert(text)
 	if err != nil {
 		return nil, err
 	}
 
 	if hrp != bc.Bech32Prefix {
-		return nil, errorsmod.Wrap(sdkerrors.ErrLogic, "hrp does not match bech32Prefix")
+		return nil, errorsmod.Wrapf(sdkerrors.ErrLogic, "hrp does not match bech32 prefix: expected '%s' got '%s'", bc.Bech32Prefix, hrp)
 	}
 
 	if err := sdk.VerifyAddressFormat(bz); err != nil {
diff --git a/tools/hubl/go.mod b/tools/hubl/go.mod
index d9deeb464c..309588dd50 100644
--- a/tools/hubl/go.mod
+++ b/tools/hubl/go.mod
@@ -4,9 +4,10 @@ go 1.20
 
 require (
 	cosmossdk.io/api v0.4.1
-	cosmossdk.io/client/v2 v2.0.0-20230320224637-dca0e7374a1d
+	cosmossdk.io/client/v2 v2.0.0-20230426154441-2037a26d1235
 	cosmossdk.io/errors v1.0.0-beta.7
 	github.com/cockroachdb/errors v1.9.1
+	github.com/cosmos/cosmos-sdk v0.46.0-beta2.0.20230426154441-2037a26d1235
 	github.com/hashicorp/go-multierror v1.1.1
 	github.com/manifoldco/promptui v0.9.0
 	github.com/pelletier/go-toml/v2 v2.0.7
@@ -17,7 +18,7 @@ require (
 
 require (
 	cosmossdk.io/collections v0.1.0 // indirect
-	cosmossdk.io/core v0.6.1 // indirect
+	cosmossdk.io/core v0.6.2-0.20230323161322-ccd8d40119e4 // indirect
 	cosmossdk.io/depinject v1.0.0-alpha.3 // indirect
 	cosmossdk.io/log v1.0.0 // indirect
 	cosmossdk.io/math v1.0.0 // indirect
@@ -42,7 +43,6 @@ require (
 	github.com/cosmos/btcutil v1.0.5 // indirect
 	github.com/cosmos/cosmos-db v1.0.0-rc.1 // indirect
 	github.com/cosmos/cosmos-proto v1.0.0-beta.3 // indirect
-	github.com/cosmos/cosmos-sdk v0.46.0-beta2.0.20230424095137-b73c17cb9cc8 // indirect
 	github.com/cosmos/go-bip39 v1.0.0 // indirect
 	github.com/cosmos/gogoproto v1.4.8 // indirect
 	github.com/cosmos/iavl v0.21.0-beta.1 // indirect
diff --git a/tools/hubl/go.sum b/tools/hubl/go.sum
index fb828fed8f..b4aa4add46 100644
--- a/tools/hubl/go.sum
+++ b/tools/hubl/go.sum
@@ -37,12 +37,12 @@ cloud.google.com/go/storage v1.10.0/go.mod h1:FLPqc6j+Ki4BU591ie1oL6qBQGu2Bl/tZ9
 cloud.google.com/go/storage v1.14.0/go.mod h1:GrKmX003DSIwi9o29oFT7YDnHYwZoctc3fOKtUw0Xmo=
 cosmossdk.io/api v0.4.1 h1:0ikaYM6GyxTYYcfBiyR8YnLCfhNnhKpEFnaSepCTmqg=
 cosmossdk.io/api v0.4.1/go.mod h1:jR7k5ok90LxW2lFUXvd8Vpo/dr4PpiyVegxdm7b1ZdE=
-cosmossdk.io/client/v2 v2.0.0-20230320224637-dca0e7374a1d h1:9mBIeO0ZhCalqS3pJiZ1fs+Nn93E7rU4+Hv7QVINbNM=
-cosmossdk.io/client/v2 v2.0.0-20230320224637-dca0e7374a1d/go.mod h1:qX4UABq4VI1ccJn4H4MIJx5/HvjRiaVaImovbnPXNXc=
+cosmossdk.io/client/v2 v2.0.0-20230426154441-2037a26d1235 h1:6aGhtjUgmacucrKMC9ZdF9G96YoxZqkTC2ZyxaAg1GE=
+cosmossdk.io/client/v2 v2.0.0-20230426154441-2037a26d1235/go.mod h1:ydI6QS3A+K2px6O8QpM0JtNaVV6lLeCJ5LVwtQXIMAg=
 cosmossdk.io/collections v0.1.0 h1:nzJGeiq32KnZroSrhB6rPifw4I85Cgmzw/YAmr4luv8=
 cosmossdk.io/collections v0.1.0/go.mod h1:xbauc0YsbUF8qKMVeBZl0pFCunxBIhKN/WlxpZ3lBuo=
-cosmossdk.io/core v0.6.1 h1:OBy7TI2W+/gyn2z40vVvruK3di+cAluinA6cybFbE7s=
-cosmossdk.io/core v0.6.1/go.mod h1:g3MMBCBXtxbDWBURDVnJE7XML4BG5qENhs0gzkcpuFA=
+cosmossdk.io/core v0.6.2-0.20230323161322-ccd8d40119e4 h1:l1scDTT2VX18ZuR6P0irvT/bAP0h4297D/Lka5nz2vE=
+cosmossdk.io/core v0.6.2-0.20230323161322-ccd8d40119e4/go.mod h1:J8R0E7soOpQFVqFiFd7EKepXCPpINa2n2t2EqbEsXnY=
 cosmossdk.io/depinject v1.0.0-alpha.3 h1:6evFIgj//Y3w09bqOUOzEpFj5tsxBqdc5CfkO7z+zfw=
 cosmossdk.io/depinject v1.0.0-alpha.3/go.mod h1:eRbcdQ7MRpIPEM5YUJh8k97nxHpYbc3sMUnEtt8HPWU=
 cosmossdk.io/errors v1.0.0-beta.7 h1:gypHW76pTQGVnHKo6QBkb4yFOJjC+sUGRc5Al3Odj1w=
@@ -146,8 +146,8 @@ github.com/cosmos/cosmos-db v1.0.0-rc.1 h1:SjnT8B6WKMW9WEIX32qMhnEEKcI7ZP0+G1Sa9
 github.com/cosmos/cosmos-db v1.0.0-rc.1/go.mod h1:Dnmk3flSf5lkwCqvvjNpoxjpXzhxnCAFzKHlbaForso=
 github.com/cosmos/cosmos-proto v1.0.0-beta.3 h1:VitvZ1lPORTVxkmF2fAp3IiA61xVwArQYKXTdEcpW6o=
 github.com/cosmos/cosmos-proto v1.0.0-beta.3/go.mod h1:t8IASdLaAq+bbHbjq4p960BvcTqtwuAxid3b/2rOD6I=
-github.com/cosmos/cosmos-sdk v0.46.0-beta2.0.20230424095137-b73c17cb9cc8 h1:zIl1WnrW5ZP1VwhpbwVBZtCntkNKYNIkg4233/dZ3BU=
-github.com/cosmos/cosmos-sdk v0.46.0-beta2.0.20230424095137-b73c17cb9cc8/go.mod h1:JicgV9n3SAu5uuoyDvQ2gSHYLyFvyRrIUYB5T2Q4HRw=
+github.com/cosmos/cosmos-sdk v0.46.0-beta2.0.20230426154441-2037a26d1235 h1:EQM4Ewp62TpQ141W0IJL84qJ8zyvGeqA75r++81JKGc=
+github.com/cosmos/cosmos-sdk v0.46.0-beta2.0.20230426154441-2037a26d1235/go.mod h1:1pnJEQxrWXGGijISBNKkisAuMlohZROsazmj+JYkBc0=
 github.com/cosmos/go-bip39 v0.0.0-20180819234021-555e2067c45d/go.mod h1:tSxLoYXyBmiFeKpvmq4dzayMdCjCnu8uqmCysIGBT2Y=
 github.com/cosmos/go-bip39 v1.0.0 h1:pcomnQdrdH22njcAatO0yWojsUnCO3y2tNoV1cb6hHY=
 github.com/cosmos/go-bip39 v1.0.0/go.mod h1:RNJv0H/pOIVgxw6KS7QeX2a0Uo0aKUlfhZ4xuwvCdJw=
diff --git a/tools/hubl/internal/config.go b/tools/hubl/internal/config.go
index 75cd8483ba..136c6e7f60 100644
--- a/tools/hubl/internal/config.go
+++ b/tools/hubl/internal/config.go
@@ -15,6 +15,7 @@ type Config struct {
 
 type ChainConfig struct {
 	GRPCEndpoints []GRPCEndpoint `toml:"trusted-grpc-endpoints"`
+	Bech32Prefix  string         `toml:"bech32-prefix"`
 }
 
 type GRPCEndpoint struct {
diff --git a/tools/hubl/internal/load.go b/tools/hubl/internal/load.go
index 43270e4bc2..06f89893db 100644
--- a/tools/hubl/internal/load.go
+++ b/tools/hubl/internal/load.go
@@ -7,8 +7,6 @@ import (
 	"os"
 	"path"
 
-	autocliv1 "cosmossdk.io/api/cosmos/autocli/v1"
-	reflectionv1 "cosmossdk.io/api/cosmos/reflection/v1"
 	"github.com/cockroachdb/errors"
 	"github.com/hashicorp/go-multierror"
 	"google.golang.org/grpc"
@@ -18,6 +16,10 @@ import (
 	"google.golang.org/protobuf/reflect/protodesc"
 	"google.golang.org/protobuf/reflect/protoregistry"
 	"google.golang.org/protobuf/types/descriptorpb"
+
+	autocliv1 "cosmossdk.io/api/cosmos/autocli/v1"
+	reflectionv2alpha1 "cosmossdk.io/api/cosmos/base/reflection/v2alpha1"
+	reflectionv1 "cosmossdk.io/api/cosmos/reflection/v1"
 )
 
 const DefaultConfigDirName = ".hubl"
@@ -25,20 +27,21 @@ const DefaultConfigDirName = ".hubl"
 type ChainInfo struct {
 	client *grpc.ClientConn
 
-	ConfigDir     string
-	Chain         string
-	ModuleOptions map[string]*autocliv1.ModuleOptions
+	Context   context.Context
+	ConfigDir string
+	Chain     string
+	Config    *ChainConfig
+
 	ProtoFiles    *protoregistry.Files
-	Context       context.Context
-	Config        *ChainConfig
+	ModuleOptions map[string]*autocliv1.ModuleOptions
 }
 
 func NewChainInfo(configDir, chain string, config *ChainConfig) *ChainInfo {
 	return &ChainInfo{
-		ConfigDir: configDir,
-		Chain:     chain,
-		Config:    config,
 		Context:   context.Background(),
+		Config:    config,
+		Chain:     chain,
+		ConfigDir: configDir,
 	}
 }
 
@@ -123,22 +126,21 @@ func (c *ChainInfo) Load(reload bool) error {
 		}
 
 		autocliQueryClient := autocliv1.NewQueryClient(client)
-		appOptionsRes, err := autocliQueryClient.AppOptions(c.Context, &autocliv1.AppOptionsRequest{})
+		appOptsRes, err := autocliQueryClient.AppOptions(c.Context, &autocliv1.AppOptionsRequest{})
 		if err != nil {
-			appOptionsRes = guessAutocli(c.ProtoFiles)
+			appOptsRes = guessAutocli(c.ProtoFiles)
 		}
 
-		bz, err := proto.Marshal(appOptionsRes)
+		bz, err := proto.Marshal(appOptsRes)
 		if err != nil {
 			return err
 		}
 
-		err = os.WriteFile(appOptsFilename, bz, 0o600)
-		if err != nil {
+		if err := os.WriteFile(appOptsFilename, bz, 0o600); err != nil {
 			return err
 		}
 
-		c.ModuleOptions = appOptionsRes.ModuleOptions
+		c.ModuleOptions = appOptsRes.ModuleOptions
 	} else {
 		bz, err := os.ReadFile(appOptsFilename)
 		if err != nil {
@@ -146,8 +148,7 @@ func (c *ChainInfo) Load(reload bool) error {
 		}
 
 		var appOptsRes autocliv1.AppOptionsResponse
-		err = proto.Unmarshal(bz, &appOptsRes)
-		if err != nil {
+		if err := proto.Unmarshal(bz, &appOptsRes); err != nil {
 			return err
 		}
 
@@ -185,3 +186,18 @@ func (c *ChainInfo) OpenClient() (*grpc.ClientConn, error) {
 
 	return nil, errors.Wrapf(res, "error loading gRPC client")
 }
+
+// getAddressPrefix returns the address prefix of the chain.
+func getAddressPrefix(ctx context.Context, conn grpc.ClientConnInterface) (string, error) {
+	reflectionClient := reflectionv2alpha1.NewReflectionServiceClient(conn)
+	resp, err := reflectionClient.GetConfigurationDescriptor(ctx, &reflectionv2alpha1.GetConfigurationDescriptorRequest{})
+	if err != nil {
+		return "", err
+	}
+
+	if resp == nil || resp.Config == nil || resp.Config.Bech32AccountAddressPrefix == "" {
+		return "", errors.New("bech32 account address prefix is not set")
+	}
+
+	return resp.Config.Bech32AccountAddressPrefix, nil
+}
diff --git a/tools/hubl/internal/remote.go b/tools/hubl/internal/remote.go
index 346ff59364..0f4ef0684f 100644
--- a/tools/hubl/internal/remote.go
+++ b/tools/hubl/internal/remote.go
@@ -1,6 +1,7 @@
 package internal
 
 import (
+	"context"
 	"fmt"
 	"os"
 	"path"
@@ -12,6 +13,8 @@ import (
 	"google.golang.org/protobuf/reflect/protoregistry"
 	"google.golang.org/protobuf/types/dynamicpb"
 
+	addresscodec "github.com/cosmos/cosmos-sdk/codec/address"
+
 	"cosmossdk.io/client/v2/autocli"
 	"cosmossdk.io/client/v2/autocli/flag"
 )
@@ -91,22 +94,22 @@ func RemoteCommand(config *Config, configDir string) ([]*cobra.Command, error) {
 
 		builder := &autocli.Builder{
 			Builder: flag.Builder{
+				AddressCodec: addresscodec.NewBech32Codec(chainConfig.Bech32Prefix),
 				TypeResolver: &dynamicTypeResolver{chainInfo},
 				FileResolver: chainInfo.ProtoFiles,
-				GetClientConn: func() (grpc.ClientConnInterface, error) {
-					return chainInfo.OpenClient()
-				},
 			},
 			GetClientConn: func(command *cobra.Command) (grpc.ClientConnInterface, error) {
 				return chainInfo.OpenClient()
 			},
 			AddQueryConnFlags: func(command *cobra.Command) {},
 		}
+
 		var (
 			update   bool
 			reconfig bool
 			insecure bool
 		)
+
 		chainCmd := &cobra.Command{
 			Use:   chain,
 			Short: fmt.Sprintf("Commands for the %s chain", chain),
@@ -177,7 +180,19 @@ func reconfigure(cmd *cobra.Command, config *Config, configDir, chain string) er
 		return err
 	}
 
+	client, err := chainInfo.OpenClient()
+	if err != nil {
+		return err
+	}
+
+	addressPrefix, err := getAddressPrefix(context.Background(), client)
+	if err != nil {
+		return err
+	}
+
+	chainConfig.Bech32Prefix = addressPrefix
 	config.Chains[chain] = chainConfig
+
 	if err := SaveConfig(configDir, config); err != nil {
 		return err
 	}
diff --git a/x/auth/keeper/bech32_codec.go b/x/auth/keeper/bech32_codec.go
index 926dd45f6b..dd0b2ab02e 100644
--- a/x/auth/keeper/bech32_codec.go
+++ b/x/auth/keeper/bech32_codec.go
@@ -34,7 +34,7 @@ func (bc bech32Codec) StringToBytes(text string) ([]byte, error) {
 	}
 
 	if hrp != bc.bech32Prefix {
-		return nil, errorsmod.Wrap(sdkerrors.ErrLogic, "hrp does not match bech32Prefix")
+		return nil, errorsmod.Wrapf(sdkerrors.ErrLogic, "hrp does not match bech32 prefix: expected '%s' got '%s'", bc.bech32Prefix, hrp)
 	}
 
 	if err := sdk.VerifyAddressFormat(bz); err != nil {