diff --git a/daemon/peer.c b/daemon/peer.c
index 573a5e25b..2ecc20683 100644
--- a/daemon/peer.c
+++ b/daemon/peer.c
@@ -2496,6 +2496,10 @@ static struct io_plan *init_pkt_in(struct io_conn *conn, struct peer *peer)
 		goto fail;
 	}
 
+	/* We might have had an onchain event while handshaking! */
+	if (!state_can_io(peer->state))
+		goto fail;
+
 	if (peer->inpkt->init->has_features) {
 		size_t i;