It is important to mention that you haven’t specified anything about the brand of your wallet, or the unlock features that it has. Anyway, unlocking features of a wallet depends on the developers who developed it.
Some wallets have two-factor authentication while others can be logged in with an email id or phone number (whichever the developer decided to keep).
To make transactions as you know requires both the public and the private keys match. In case of a mismatch, the transaction stops. Keep Reading How do i activate my blockchain wallet?