diff --git a/packages/vats/src/vat-zoe.js b/packages/vats/src/vat-zoe.js
index cb9973e628c..6ee24cc21c0 100644
--- a/packages/vats/src/vat-zoe.js
+++ b/packages/vats/src/vat-zoe.js
@@ -6,15 +6,20 @@ const BUILD_PARAMS_KEY = 'buildZoeParams';
 export function buildRootObject(vatPowers, _vatParams, zoeBaggage) {
   const shutdownZoeVat = vatPowers.exitVatWithFailure;
 
+  let zoeConfigFacet;
+
   if (zoeBaggage.has(BUILD_PARAMS_KEY)) {
     const { feeIssuerConfig, zcfSpec } = zoeBaggage.get(BUILD_PARAMS_KEY);
-    makeDurableZoeKit({
+    // The return value is `{ zoeService, zoeConfigFacet, feeMintAccess }`. This
+    // call only needs zoeConfigFacet because the others have been returned.
+    // zoeConfigFacet was added after the first release of Zoe on-chain.
+    ({ zoeConfigFacet } = makeDurableZoeKit({
       // For now Zoe will rewire vatAdminSvc on its own
       shutdownZoeVat,
       feeIssuerConfig,
       zcfSpec,
       zoeBaggage,
-    });
+    }));
   }
 
   return Far('root', {
@@ -44,5 +49,6 @@ export function buildRootObject(vatPowers, _vatParams, zoeBaggage) {
         feeMintAccess,
       });
     },
+    getZoeConfigFacet: () => zoeConfigFacet,
   });
 }
diff --git a/packages/zoe/src/zoeService/startInstance.js b/packages/zoe/src/zoeService/startInstance.js
index a176f972c30..fb1eb213413 100644
--- a/packages/zoe/src/zoeService/startInstance.js
+++ b/packages/zoe/src/zoeService/startInstance.js
@@ -43,6 +43,12 @@ export const makeStartInstance = (
     seatHandleToZoeSeatAdmin,
   );
 
+  const getFreshZcfBundleCap = async () => {
+    const settledBundleCap = await getZcfBundleCapP();
+    settledBundleCap !== undefined || Fail`the ZCF bundle cap was broken`;
+    return settledBundleCap;
+  };
+
   const InstanceAdminStateShape = harden({
     instanceStorage: M.remotable('ZoeInstanceStorageManager'),
     instanceAdmin: M.remotable('InstanceAdmin'),
@@ -178,12 +184,10 @@ export const makeStartInstance = (
     /**
      *
      * @param {import('@agoric/swingset-vat').VatAdminFacet} adminNode
-     * @param {*} zcfBundleCap
      * @param {*} contractBundleCap
      */
-    (adminNode, zcfBundleCap, contractBundleCap) => ({
+    (adminNode, contractBundleCap) => ({
       adminNode,
-      zcfBundleCap,
       contractBundleCap,
     }),
     {
@@ -200,12 +204,13 @@ export const makeStartInstance = (
           privateArgs: newPrivateArgs,
         };
 
-        return E(state.adminNode).upgrade(state.zcfBundleCap, {
-          vatParameters,
-        });
+        return E.when(getFreshZcfBundleCap(), bCap =>
+          E(state.adminNode).upgrade(bCap, { vatParameters }),
+        );
       },
       async upgradeContract(contractBundleId, newPrivateArgs = undefined) {
         const { state } = this;
+
         const newContractBundleCap = await getBundleCapByIdNow(
           contractBundleId,
         );
@@ -213,9 +218,9 @@ export const makeStartInstance = (
           contractBundleCap: newContractBundleCap,
           privateArgs: newPrivateArgs,
         };
-        return E(state.adminNode).upgrade(state.zcfBundleCap, {
-          vatParameters,
-        });
+        return E.when(getFreshZcfBundleCap(), bCap =>
+          E(state.adminNode).upgrade(bCap, { vatParameters }),
+        );
       },
     },
   );
@@ -306,9 +311,6 @@ export const makeStartInstance = (
 
     instanceAdmin.initDelayedState(handleOfferObj, publicFacet);
 
-    const settledBundleCap = await getZcfBundleCapP();
-    settledBundleCap !== undefined || Fail`the bundle cap was broken`;
-
     // creatorInvitation can be undefined, but if it is defined,
     // let's make sure it is an invitation.
     return E.when(
@@ -324,11 +326,7 @@ export const makeStartInstance = (
           isLiveResult ||
           Fail`The contract did not correctly return a creatorInvitation`;
 
-        const adminFacet = makeAdminFacet(
-          adminNode,
-          harden(settledBundleCap),
-          contractBundleCap,
-        );
+        const adminFacet = makeAdminFacet(adminNode, contractBundleCap);
 
         // Actually returned to the user.
         return harden({
diff --git a/packages/zoe/src/zoeService/zoe.js b/packages/zoe/src/zoeService/zoe.js
index 3be3b3df349..d28dc9192de 100644
--- a/packages/zoe/src/zoeService/zoe.js
+++ b/packages/zoe/src/zoeService/zoe.js
@@ -18,6 +18,7 @@ import '../internal-types.js';
 import { E } from '@endo/eventual-send';
 import { Far } from '@endo/marshal';
 import { makeScalarBigMapStore, prepareExo } from '@agoric/vat-data';
+import { M } from '@agoric/store';
 
 import { makeZoeStorageManager } from './zoeStorageManager.js';
 import { makeStartInstance } from './startInstance.js';
@@ -32,7 +33,7 @@ import { ZoeServiceI } from '../typeGuards.js';
 const { Fail } = assert;
 
 /**
- * Create an durable instance of Zoe.
+ * Create a durable instance of Zoe.
  *
  * @param {object} options
  * @param {Baggage} options.zoeBaggage - the baggage for Zoe durability. Must be provided by caller
@@ -52,6 +53,7 @@ const makeDurableZoeKit = ({
   feeIssuerConfig = defaultFeeIssuerConfig,
   zcfSpec = { name: 'zcf' },
 }) => {
+  /** @type {BundleCap} */
   let zcfBundleCap;
 
   const saveBundleCap = () => {
@@ -168,6 +170,25 @@ const makeDurableZoeKit = ({
     });
   };
 
+  const ZoeConfigI = M.interface('ZoeConfigFacet', {
+    updateZcfBundleId: M.call(M.string()).returns(),
+  });
+
+  const zoeConfigFacet = prepareExo(zoeBaggage, 'ZoeConfigFacet', ZoeConfigI, {
+    updateZcfBundleId(bundleId) {
+      E.when(
+        getZcfBundleCap({ id: bundleId }, vatAdminSvc),
+        bundleCap => {
+          zcfBundleCap = bundleCap;
+        },
+        e => {
+          console.error(`'🚨 unable to update ZCF Bundle: `, e);
+          throw e;
+        },
+      );
+    },
+  });
+
   /** @type {ZoeService} */
   const zoeService = prepareExo(zoeBaggage, 'ZoeService', ZoeServiceI, {
     install(bundleId, bundleLabel) {
@@ -223,6 +244,7 @@ const makeDurableZoeKit = ({
 
   return harden({
     zoeService,
+    zoeConfigFacet,
     /** @type {FeeMintAccess} */
     // @ts-expect-error cast
     feeMintAccess: feeMintKit.feeMintAccess,
diff --git a/packages/zoe/src/zoeService/zoeStorageManager.js b/packages/zoe/src/zoeService/zoeStorageManager.js
index ba4b16e4dcf..9f2d8d36d11 100644
--- a/packages/zoe/src/zoeService/zoeStorageManager.js
+++ b/packages/zoe/src/zoeService/zoeStorageManager.js
@@ -1,5 +1,10 @@
 import { E } from '@endo/far';
-import { AssetKind, makeDurableIssuerKit, AmountMath } from '@agoric/ertp';
+import {
+  AssetKind,
+  makeDurableIssuerKit,
+  AmountMath,
+  prepareIssuerKit,
+} from '@agoric/ertp';
 import {
   makeScalarBigMapStore,
   provideDurableWeakMapStore,
@@ -117,7 +122,7 @@ export const makeZoeStorageManager = (
     'zoeMintBaggageSet',
   );
   for (const issuerBaggage of zoeMintBaggageSet.values()) {
-    zoeMintBaggageSet(issuerBaggage);
+    prepareIssuerKit(issuerBaggage);
   }
 
   const makeZoeMint = prepareExoClass(