diff --git a/CHANGELOG.md b/CHANGELOG.md
index b5507356..cf0b401e 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -3,6 +3,17 @@
 All notable changes to this project will be documented in this file.
 See [Conventional Commits](https://conventionalcommits.org) for commit guidelines.
 
+# [0.103.0](https://github.com/nervosnetwork/ckb-sdk-js/compare/v0.102.3...v0.103.0) (2022-05-09)
+
+
+### Bug Fixes
+
+* fix default code hash/code hash index in toAddressPayload ([e72a29d](https://github.com/nervosnetwork/ckb-sdk-js/commit/e72a29d46615bc09fc9ff726e30abb5f70ac26d7))
+
+
+
+
+
 ## [0.102.3](https://github.com/nervosnetwork/ckb-sdk-js/compare/v0.102.2...v0.102.3) (2022-03-24)
 
 **Note:** Version bump only for package ckb-sdk-js
diff --git a/lerna.json b/lerna.json
index 6480dc0d..0a0656ee 100644
--- a/lerna.json
+++ b/lerna.json
@@ -4,5 +4,5 @@
   ],
   "npmClient": "yarn",
   "useWorkspaces": true,
-  "version": "0.102.3"
+  "version": "0.103.0"
 }
diff --git a/packages/ckb-sdk-core/CHANGELOG.md b/packages/ckb-sdk-core/CHANGELOG.md
index aa847f39..c882ba99 100644
--- a/packages/ckb-sdk-core/CHANGELOG.md
+++ b/packages/ckb-sdk-core/CHANGELOG.md
@@ -3,6 +3,14 @@
 All notable changes to this project will be documented in this file.
 See [Conventional Commits](https://conventionalcommits.org) for commit guidelines.
 
+# [0.103.0](https://github.com/nervosnetwork/ckb-sdk-js/compare/v0.102.3...v0.103.0) (2022-05-09)
+
+**Note:** Version bump only for package @nervosnetwork/ckb-sdk-core
+
+
+
+
+
 ## [0.102.3](https://github.com/nervosnetwork/ckb-sdk-js/compare/v0.102.2...v0.102.3) (2022-03-24)
 
 **Note:** Version bump only for package @nervosnetwork/ckb-sdk-core
diff --git a/packages/ckb-sdk-core/package.json b/packages/ckb-sdk-core/package.json
index dcb2eb7c..db286bd6 100644
--- a/packages/ckb-sdk-core/package.json
+++ b/packages/ckb-sdk-core/package.json
@@ -1,6 +1,6 @@
 {
   "name": "@nervosnetwork/ckb-sdk-core",
-  "version": "0.102.3",
+  "version": "0.103.0",
   "description": "JavaScript SDK for Nervos Network CKB Project",
   "author": "Nervos <dev@nervos.org>",
   "homepage": "https://github.com/nervosnetwork/ckb-sdk-js#readme",
@@ -33,10 +33,10 @@
     "url": "https://github.com/nervosnetwork/ckb-sdk-js/issues"
   },
   "dependencies": {
-    "@nervosnetwork/ckb-sdk-rpc": "0.102.3",
-    "@nervosnetwork/ckb-sdk-utils": "0.102.3",
-    "@nervosnetwork/ckb-types": "0.102.3",
+    "@nervosnetwork/ckb-sdk-rpc": "0.103.0",
+    "@nervosnetwork/ckb-sdk-utils": "0.103.0",
+    "@nervosnetwork/ckb-types": "0.103.0",
     "tslib": "2.3.1"
   },
-  "gitHead": "82c6a77b990ccfb70a6a7f3ea1442f2d5c81f334"
+  "gitHead": "381148346ef0243b12dfcd872ea15d9f59e07a9e"
 }
diff --git a/packages/ckb-sdk-rpc/CHANGELOG.md b/packages/ckb-sdk-rpc/CHANGELOG.md
index 461df3e0..a30ce617 100644
--- a/packages/ckb-sdk-rpc/CHANGELOG.md
+++ b/packages/ckb-sdk-rpc/CHANGELOG.md
@@ -3,6 +3,14 @@
 All notable changes to this project will be documented in this file.
 See [Conventional Commits](https://conventionalcommits.org) for commit guidelines.
 
+# [0.103.0](https://github.com/nervosnetwork/ckb-sdk-js/compare/v0.102.3...v0.103.0) (2022-05-09)
+
+**Note:** Version bump only for package @nervosnetwork/ckb-sdk-rpc
+
+
+
+
+
 ## [0.102.3](https://github.com/nervosnetwork/ckb-sdk-js/compare/v0.102.2...v0.102.3) (2022-03-24)
 
 **Note:** Version bump only for package @nervosnetwork/ckb-sdk-rpc
diff --git a/packages/ckb-sdk-rpc/package.json b/packages/ckb-sdk-rpc/package.json
index 8bfabe48..83baef46 100644
--- a/packages/ckb-sdk-rpc/package.json
+++ b/packages/ckb-sdk-rpc/package.json
@@ -1,6 +1,6 @@
 {
   "name": "@nervosnetwork/ckb-sdk-rpc",
-  "version": "0.102.3",
+  "version": "0.103.0",
   "description": "RPC module of @nervosnetwork/ckb-sdk-core",
   "author": "Nervos <dev@nervos.org>",
   "homepage": "https://github.com/nervosnetwork/ckb-sdk-js/packages/ckb-rpc#readme",
@@ -33,12 +33,12 @@
     "url": "https://github.com/nervosnetwork/ckb-sdk-js/issues"
   },
   "dependencies": {
-    "@nervosnetwork/ckb-sdk-utils": "0.102.3",
+    "@nervosnetwork/ckb-sdk-utils": "0.103.0",
     "axios": "0.21.4",
     "tslib": "2.3.1"
   },
   "devDependencies": {
-    "@nervosnetwork/ckb-types": "0.102.3"
+    "@nervosnetwork/ckb-types": "0.103.0"
   },
-  "gitHead": "82c6a77b990ccfb70a6a7f3ea1442f2d5c81f334"
+  "gitHead": "381148346ef0243b12dfcd872ea15d9f59e07a9e"
 }
diff --git a/packages/ckb-sdk-utils/CHANGELOG.md b/packages/ckb-sdk-utils/CHANGELOG.md
index 129b0f60..b097a03b 100644
--- a/packages/ckb-sdk-utils/CHANGELOG.md
+++ b/packages/ckb-sdk-utils/CHANGELOG.md
@@ -3,6 +3,17 @@
 All notable changes to this project will be documented in this file.
 See [Conventional Commits](https://conventionalcommits.org) for commit guidelines.
 
+# [0.103.0](https://github.com/nervosnetwork/ckb-sdk-js/compare/v0.102.3...v0.103.0) (2022-05-09)
+
+
+### Bug Fixes
+
+* fix default code hash/code hash index in toAddressPayload ([e72a29d](https://github.com/nervosnetwork/ckb-sdk-js/commit/e72a29d46615bc09fc9ff726e30abb5f70ac26d7))
+
+
+
+
+
 ## [0.102.3](https://github.com/nervosnetwork/ckb-sdk-js/compare/v0.102.2...v0.102.3) (2022-03-24)
 
 **Note:** Version bump only for package @nervosnetwork/ckb-sdk-utils
diff --git a/packages/ckb-sdk-utils/__tests__/address/fixtures.json b/packages/ckb-sdk-utils/__tests__/address/fixtures.json
index 53fbc3fd..7273be5c 100644
--- a/packages/ckb-sdk-utils/__tests__/address/fixtures.json
+++ b/packages/ckb-sdk-utils/__tests__/address/fixtures.json
@@ -1,10 +1,22 @@
 {
   "toAddressPayload": {
-    "basic": {
+    "should have default params for short version address": {
       "params": ["0x36c329ed630d6ce750712a477543672adab57f4c"],
       "expected": [1, 0, 54, 195, 41, 237, 99, 13, 108, 231, 80, 113, 42, 71, 117, 67, 103, 42, 218, 181, 127, 76]
     },
-    "full address of new version specifies hash_type = type": {
+    "should have default secp256k1 code hash index when address type is hash index": {
+      "params": ["0x36c329ed630d6ce750712a477543672adab57f4c", "0x01"],
+      "expected": [1, 0, 54, 195, 41, 237, 99, 13, 108, 231, 80, 113, 42, 71, 117, 67, 103, 42, 218, 181, 127, 76]
+    },
+    "should have default secp256k1 code hash when address type is not hash index": {
+      "params": ["0x36c329ed630d6ce750712a477543672adab57f4c", "0x04", ""],
+      "expected": [4, 155, 215, 224, 111, 62, 207, 75, 224, 242, 252, 210, 24, 139, 35, 241, 185, 252, 200, 142, 93, 75, 101, 168, 99, 123, 23, 114, 59, 189, 163, 204, 232, 54, 195, 41, 237, 99, 13, 108, 231, 80, 113, 42, 71, 117, 67, 103, 42, 218, 181, 127, 76]
+    },
+    "should have default hash_type = type when full address of new version with secp256k1 code hash": {
+      "params": ["0x36c329ed630d6ce750712a477543672adab57f4c", "0x00", "0x9bd7e06f3ecf4be0f2fcd2188b23f1b9fcc88e5d4b65a8637b17723bbda3cce8"],
+      "expected": [0, 155, 215, 224, 111, 62, 207, 75, 224, 242, 252, 210, 24, 139, 35, 241, 185, 252, 200, 142, 93, 75, 101, 168, 99, 123, 23, 114, 59, 189, 163, 204, 232, 1, 54, 195, 41, 237, 99, 13, 108, 231, 80, 113, 42, 71, 117, 67, 103, 42, 218, 181, 127, 76]
+    },
+    "full address of new version specifies hash_type = data1": {
       "params": ["0xb39bbc0b3673c7d36450bc14cfcdad2d559c6c64", "0x00", "0xa656f172b6b45c245307aeb5a7a37a176f002f6f22e92582c58bf7ba362e4176", "data1"],
       "expected": [0, 166, 86, 241, 114, 182, 180, 92, 36, 83, 7, 174, 181, 167, 163, 122, 23, 111, 0, 47, 111, 34, 233, 37, 130, 197, 139, 247, 186, 54, 46, 65, 118, 2, 179, 155, 188, 11, 54, 115, 199, 211, 100, 80, 188, 20, 207, 205, 173, 45, 85, 156, 108, 100]
     },
@@ -16,8 +28,8 @@
       "params": ["0x36c329ed630d6ce750712a477543672adab57f4c", "0x00", "0x3419a1c09eb2567f6552ee7a8ecffd64155cffe0f1796e6e61ec088d740c135"],
       "exception": "'0x3419a1c09eb2567f6552ee7a8ecffd64155cffe0f1796e6e61ec088d740c135' is not a valid code hash"
     },
-    "should throw an error when its a full version address identifies the hash_type but hash_type is missing": {
-      "params": ["0xb39bbc0b3673c7d36450bc14cfcdad2d559c6c64", "0x00", "0x9bd7e06f3ecf4be0f2fcd2188b23f1b9fcc88e5d4b65a8637b17723bbda3cce8"],
+    "should throw an error when its a full version address but hash_type is missing while code hash is not secp256k1 code hash": {
+      "params": ["0xb39bbc0b3673c7d36450bc14cfcdad2d559c6c64", "0x00", "0x9bd7e06f3ecf4be0f2fcd2188b23f1b9fcc88e5d4b65a8637b17723bbda3ccee"],
       "exception": "hashType is required"
     }
   },
diff --git a/packages/ckb-sdk-utils/package.json b/packages/ckb-sdk-utils/package.json
index 5418a03d..a1a1ef98 100644
--- a/packages/ckb-sdk-utils/package.json
+++ b/packages/ckb-sdk-utils/package.json
@@ -1,6 +1,6 @@
 {
   "name": "@nervosnetwork/ckb-sdk-utils",
-  "version": "0.102.3",
+  "version": "0.103.0",
   "description": "Utils module of @nervosnetwork/ckb-sdk-core",
   "author": "Nervos <dev@nervos.org>",
   "homepage": "https://github.com/nervosnetwork/ckb-sdk-js#readme",
@@ -31,7 +31,7 @@
     "url": "https://github.com/nervosnetwork/ckb-sdk-js/issues"
   },
   "dependencies": {
-    "@nervosnetwork/ckb-types": "0.102.3",
+    "@nervosnetwork/ckb-types": "0.103.0",
     "bech32": "2.0.0",
     "elliptic": "6.5.4",
     "jsbi": "3.1.3",
@@ -41,5 +41,5 @@
     "@types/bitcoinjs-lib": "5.0.0",
     "@types/elliptic": "6.4.12"
   },
-  "gitHead": "82c6a77b990ccfb70a6a7f3ea1442f2d5c81f334"
+  "gitHead": "381148346ef0243b12dfcd872ea15d9f59e07a9e"
 }
diff --git a/packages/ckb-sdk-utils/src/address/index.ts b/packages/ckb-sdk-utils/src/address/index.ts
index bedd6abf..86e76da8 100644
--- a/packages/ckb-sdk-utils/src/address/index.ts
+++ b/packages/ckb-sdk-utils/src/address/index.ts
@@ -89,12 +89,13 @@ export interface AddressOptions {
  * @see https://github.com/nervosnetwork/rfcs/blob/master/rfcs/0021-ckb-address-format/0021-ckb-address-format.md
  * @param {string | Uint8Array} args, use as the identifier of an address, usually the public key hash is used.
  * @param {string} type, used to indicate which format is adopted to compose the address.
- * @param {string} codeHashOrCodeHashIndex, the referenced code hash or code hash index the address binds to
+ * @param {string} codeHashOrCodeHashIndex, the referenced code hash or code hash index the address binds to,
+ *                 default to be secp256k1 code hash/code hash index
  */
 export const toAddressPayload = (
   args: string | Uint8Array,
   type: AddressType = AddressType.HashIdx,
-  codeHashOrCodeHashIndex: CodeHashIndex | CKBComponents.Hash256 = '0x00',
+  codeHashOrCodeHashIndex?: CodeHashIndex | CKBComponents.Hash256,
   hashType?: CKBComponents.ScriptHashType,
 ): Uint8Array => {
   if (typeof args === 'string' && !args.startsWith('0x')) {
@@ -108,6 +109,10 @@ export const toAddressPayload = (
     )
   }
 
+  if (!codeHashOrCodeHashIndex) {
+    codeHashOrCodeHashIndex = type === AddressType.HashIdx ? '0x00' : SECP256K1_BLAKE160.codeHash
+  }
+
   if (type !== AddressType.FullVersion) {
     return new Uint8Array([
       ...hexToBytes(type),
@@ -116,6 +121,10 @@ export const toAddressPayload = (
     ])
   }
 
+  if (!hashType && codeHashOrCodeHashIndex === SECP256K1_BLAKE160.codeHash) {
+    hashType = SECP256K1_BLAKE160.hashType
+  }
+
   if (!codeHashOrCodeHashIndex.startsWith('0x') || codeHashOrCodeHashIndex.length !== 66) {
     throw new CodeHashException(codeHashOrCodeHashIndex)
   }
@@ -142,7 +151,7 @@ export const toAddressPayload = (
  */
 export const bech32Address = (
   args: Uint8Array | string,
-  { prefix = AddressPrefix.Mainnet, type = AddressType.HashIdx, codeHashOrCodeHashIndex = '0x00' }: AddressOptions = {},
+  { prefix = AddressPrefix.Mainnet, type = AddressType.HashIdx, codeHashOrCodeHashIndex = '' }: AddressOptions = {},
 ) => bech32.encode(prefix, bech32.toWords(toAddressPayload(args, type, codeHashOrCodeHashIndex)), MAX_BECH32_LIMIT)
 
 /**
diff --git a/packages/ckb-types/CHANGELOG.md b/packages/ckb-types/CHANGELOG.md
index 3733dc4a..68f19f5b 100644
--- a/packages/ckb-types/CHANGELOG.md
+++ b/packages/ckb-types/CHANGELOG.md
@@ -3,6 +3,14 @@
 All notable changes to this project will be documented in this file.
 See [Conventional Commits](https://conventionalcommits.org) for commit guidelines.
 
+# [0.103.0](https://github.com/nervosnetwork/ckb-sdk-js/compare/v0.102.3...v0.103.0) (2022-05-09)
+
+**Note:** Version bump only for package @nervosnetwork/ckb-types
+
+
+
+
+
 ## [0.102.3](https://github.com/nervosnetwork/ckb-sdk-js/compare/v0.102.2...v0.102.3) (2022-03-24)
 
 **Note:** Version bump only for package @nervosnetwork/ckb-types
diff --git a/packages/ckb-types/package.json b/packages/ckb-types/package.json
index fb2ffbaa..c8b671ab 100644
--- a/packages/ckb-types/package.json
+++ b/packages/ckb-types/package.json
@@ -1,6 +1,6 @@
 {
   "name": "@nervosnetwork/ckb-types",
-  "version": "0.102.3",
+  "version": "0.103.0",
   "description": "Type module of @nervosnetwork/ckb-sdk-core",
   "author": "Nervos <dev@nervos.org>",
   "homepage": "https://github.com/nervosnetwork/ckb-sdk-js#readme",
@@ -20,5 +20,5 @@
   "bugs": {
     "url": "https://github.com/nervosnetwork/ckb-sdk-js/issues"
   },
-  "gitHead": "82c6a77b990ccfb70a6a7f3ea1442f2d5c81f334"
+  "gitHead": "381148346ef0243b12dfcd872ea15d9f59e07a9e"
 }