Near-neutral aqueous electrolytes are to be preferred for the development of sustainable electrochemical energy conversion and storage devices. Protons are inherent to these electrolytes and their reactivity towards the electrode material extends beyond their own reduction, especially when reversible proton insertion takes place in the bulk electrode material from acidic or buffered electrolytes. However, a still burning question regards whether reversible proton insertion persists when working in unbuffered mild aqueous electrolytes, and if so, with which consequences on the functioning of the electrode material. Here, we address this issue by examining TiO2 as a model insertion electrode in a range of mild aqueous electrolytes. Through a combination of experiments, modelling and multiphysics simulations, we demonstrate that, in a KCl-based electrolyte, water acts as proton donor to support reversible insertion of protons in TiO2, while in a NH4Cl-based aqueous electrolyte, the proton donor is NH4+. Moreover, we establish that strong pH gradients develop at the electrode interface during proton insertion/disinsertion, highlighting their dependence on the proton donor/acceptor and rationalizing their impact on the electrode voltage. Overall, this work provides a comprehensive framework of proton-insertion coupled electron transfer (PICET) that can be easily generalised to other electrode materials.