diff --git a/lib/bcoin/utils.js b/lib/bcoin/utils.js
index 1dce48e6..1a9f22e0 100644
--- a/lib/bcoin/utils.js
+++ b/lib/bcoin/utils.js
@@ -141,6 +141,10 @@ utils.fromBase58 = function fromBase58(str) {
   return z.concat(res.toArray());
 };
 
+utils.isBase58 = function isBase58(msg) {
+  return typeof msg === 'string' && /^[1-9a-zA-Z]+$/.test(msg);
+};
+
 utils.ripemd160 = function ripemd160(data, enc) {
   return hash.ripemd160().update(data, enc).digest();
 };
@@ -372,6 +376,10 @@ function toHex(msg) {
 
 utils.toHex = toHex;
 
+utils.isHex = function isHex(msg) {
+  return typeof msg === 'string' && /^[0-9a-f]+$/i.test(msg);
+};
+
 function binaryInsert(list, item, compare, search) {
   var start = 0;
   var end = list.length;
@@ -544,16 +552,16 @@ utils.toBTC = function toBTC(satoshi, strict) {
   var m = new bn(10000000).mul(new bn(10));
   var lo;
 
-  if (typeof satoshi === 'string' && /^\d+(?:\.\d+)?$/.test(satoshi)) {
-    satoshi = new bn(satoshi, 10);
-  } else if (typeof satoshi === 'number') {
-    // XXX Dangerous precision - do not use for any real txes
-    if (!strict)
-      satoshi = new bn(Math.floor(+satoshi || 0).toString(16), 16);
-  }
+  if (utils.isBTC(satoshi))
+    return utils.isBTC(satoshi);
 
-  if (!(satoshi instanceof bn))
-    throw new Error('could not calculate btc');
+  if (!strict && utils.isFinite(satoshi))
+    satoshi = new bn(Math.floor(satoshi) + '', 10);
+
+  satoshi = utils.isSatoshi(satoshi);
+
+  if (!satoshi)
+    throw new Error('Could not calculate BTC');
 
   lo = satoshi.mod(m);
 
@@ -563,36 +571,85 @@ utils.toBTC = function toBTC(satoshi, strict) {
       lo = '0' + lo;
     lo = '.' + lo;
   } else {
-    lo = '';
+    lo = '.0';
   }
 
-  return satoshi.div(m).toString(10) + lo.replace(/0+$/, '');
+  lo = lo.replace(/0+$/, '');
+  if (lo === '.')
+    lo += '0';
+
+  return satoshi.div(m).toString(10) + lo;
 };
 
 utils.fromBTC = function fromBTC(btc, strict) {
-  var m = new bn(10000000).mul(new bn(10));
-  var satoshi, parts;
+  var satoshi, parts, hi, lo;
 
-  if (typeof btc === 'string' && /^\d+(?:\.\d+)?$/.test(btc)) {
-    parts = btc.split('.');
-    parts[0] = parts[0] || '0';
-    parts[1] = parts[1] || '0';
-    while (parts[1].length < 8)
-      parts[1] += '0';
-    parts[0] = parts[0].replace(/^0+/, '');
-    satoshi = new bn(parts[0] + parts[1], 10);
-  } else if (typeof btc === 'number') {
-    // XXX Dangerous precision - do not use for any real txes
-    if (!strict)
-      satoshi = new bn(+btc || 0);
+  if (utils.isSatoshi(btc))
+    return utils.isSatoshi(btc);
+
+  if (!strict && utils.isFinite(btc)) {
+    btc = btc + '';
+    if (utils.isInt(btc))
+      btc += '.0';
   }
 
-  if (!(satoshi instanceof bn))
-    throw new Error('could not calculate satoshis');
+  btc = utils.isBTC(btc);
 
-  satoshi.imuln(m);
+  if (!btc)
+    throw new Error('Could not calculate satoshis');
 
-  return satoshi;
+  parts = btc.split('.');
+  hi = parts[0] || '0';
+  lo = parts[1] || '0';
+
+  while (lo.length < 8)
+    lo += '0';
+
+  satoshi = (hi + lo).replace(/^0+/, '');
+
+  return new bn(satoshi, 10);
+};
+
+utils.isInt = function isInt(val) {
+  return typeof val === 'string' && /^\d+$/.test(val);
+};
+
+utils.isFloat = function isFloat(val) {
+  return typeof val === 'string' && /^\d+\.\d+$/.test(val);
+};
+
+utils.isFinite = function _isFinite(val) {
+  return typeof val === 'number' && isFinite(val);
+};
+
+utils.isSatoshi = function isSatoshi(val) {
+  if (val instanceof bn)
+    return val;
+  if (utils.isInt(val))
+    return new bn(val, 10);
+  if (utils.isHex(val))
+    return new bn(val, 'hex');
+  if (Array.isArray(val))
+    return new bn(val);
+  return false;
+};
+
+utils.isBTC = function isBTC(val) {
+  if (utils.isFloat(val))
+    return val;
+  // For user input strings. Might cause overlap
+  // with isSatoshi if not used carefully.
+  // if (utils.isInt(val))
+  //   return val;
+  return false;
+};
+
+utils.toFloat = function toFloat(val) {
+  if (utils.isFloat(val))
+    return val;
+  if (utils.isInt(val))
+    return val + '.0';
+  throw new Error('Could not convert ' + val + ' to float');
 };
 
 utils.isIP = function isIP(ip) {
@@ -608,18 +665,27 @@ utils.isIP = function isIP(ip) {
   return 0;
 };
 
-utils.isHex = function isHex(msg) {
-  return typeof msg === 'string' && /^[0-9a-f]+$/i.test(msg);
+utils.isArrayLike = function isArrayLike(msg) {
+  return msg
+    && !Array.isArray(msg)
+    && typeof msg === 'object'
+    && typeof msg.length === 'number';
 };
 
 utils.toKeyArray = function toKeyArray(msg) {
-  if (typeof msg !== 'string')
+  if (Array.isArray(msg))
     return msg;
 
+  if (utils.isArrayLike(msg))
+    return Array.prototype.slice.call(msg);
+
   if (utils.isHex(msg))
     return utils.toArray(msg, 'hex');
 
-  return utils.fromBase58(msg);
+  if (utils.isBase58(msg))
+    return utils.fromBase58(msg);
+
+  throw new Error('Cannot ensure array');
 };
 
 utils.inspect = function inspect(obj) {
diff --git a/test/utils-test.js b/test/utils-test.js
index d5fa8320..1a29e3f6 100644
--- a/test/utils-test.js
+++ b/test/utils-test.js
@@ -23,9 +23,22 @@ describe('Utils', function() {
   it('should convert satoshi to btc', function() {
     var btc = bcoin.utils.toBTC(new bn(5460));
     assert.equal(btc, '0.0000546');
-    var btc = bcoin.utils.toBTC(new bn(54678).mul(new bn(1000000)));
+    btc = bcoin.utils.toBTC(new bn(54678).mul(new bn(1000000)));
     assert.equal(btc, '546.78');
-    var btc = bcoin.utils.toBTC(new bn(5460).mul(new bn(10000000)));
-    assert.equal(btc, '546');
+    btc = bcoin.utils.toBTC(new bn(5460).mul(new bn(10000000)));
+    assert.equal(btc, '546.0');
+    btc = bcoin.utils.toBTC(new bn(5460).mul(new bn(10000000)).toArray());
+    assert.equal(btc, '546.0');
+    btc = bcoin.utils.toBTC(new bn(5460).mul(new bn(10000000)).toString('hex'));
+    assert.equal(btc, '546.0');
+  });
+
+  it('should convert btc to satoshi', function() {
+    var btc = bcoin.utils.fromBTC('0.0000546');
+    assert(btc.cmp(new bn(5460)) === 0);
+    btc = bcoin.utils.fromBTC('546.78');
+    assert(btc.cmp(new bn(54678).mul(new bn(1000000))) === 0);
+    btc = bcoin.utils.fromBTC('546.0');
+    assert(btc.cmp(new bn(5460).mul(new bn(10000000))) === 0);
   });
 });