There's multiple ways you could go about this. No matter what, you want to use
Temporal Flux.
1) Changing Treasure.
- Start with Window -> Locations
- Change to {00D} Truce Mayor's Manor 1F
- Click the blue treasure link, and change the tonic to {acc}Wallet. This will be a little up in the list.
- At the bottom of that panel, you can switch back to the Loc Prop tab and go to {0D1} Bangor Dome Sealed Room. In this location, across from Chest is a 0 with up and down arrows. Adjust that until you see {acc}Wallet, and choose your preferred item.
2) Changing starting equipment.
- Download
Warrior Workshop and extract the files to the same folder as Temporal Flux.
- In Temporal Flux, go to Plugins -> Warrior Workshop.
- Change Crono's starting accessory to {Acc}Wallet, then press Update Character.
3) Add an item to inventory.
- In Temporal Flux, go to Windows -> Location and choose {000} Load Screen, then click the blue Events link
- Click on the command labeled [00E1] SpecialDlg NameCrono
- Click Command on the left.
- Change the Category to Inventory, the Command to Item, and the Item to {Acc} Wallet.
- Click Update, then Write Mem.
4) Give a permanent wallet effect without equipping one.
- In a hex editor, go to 0x3DAEA4.
- Change D0 03 to EA EA.
After any changes in Temporal Flux, go to File -> Save.
