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If someone gets your wallet.dat file, can they use it

without the password? Last question - I am testing the software with a tiny amount of money. Does anyone know why defichain-income.com doesn't only show reducing forecast rewards from about July, but actually declining balances? (see above)

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They can use it yes, recreate your wallet on another computer. But without the passphrase, they will be looking at your funds only. Same as you, if you forget your passphrase 😅 Basically, if it was a bank, your wallet.dat file would be the adress or the bank, while your passphrase would be your ID card that would grant you access to your account once inside the bank 😅 Strange analogy, but hope it helps understanding.

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