diff --git a/floBank.html b/floBank.html
index 887231c..a76cba5 100644
--- a/floBank.html
+++ b/floBank.html
@@ -27,11 +27,7 @@
         supernodes: {}, //each supnernode must be stored as floID : {uri:<uri>,pubKey:<publicKey>}
 
         //for cloud apps
-        subAdmins: [],
-        application: "bank",
-        appObjects: {},
-        generalData: {},
-        lastVC: {}
+        application: "test_bank",
     }
 </script>
 <script id="onLoadStartUp">
@@ -45,16 +41,24 @@
             accounts: {},
             responses: {},
             requests: {},
+            settings: {},
             appendix: {}
-        })
+        });
+        delete floDapps.util.startUpFunctions.readAppConfigFromAPI;
+        delete floDapps.util.startUpFunctions.loadDataFromAppIDB;
         floDapps.launchStartUp().then(result => {
-            console.log(result)
-            alert(`Welcome FLO_ID: ${myFloID}`)
+            console.log(result);
+            alert(`Welcome FLO_ID: ${myFloID}`);
             //App functions....
-            bank_app.launchApp()
+            bank_app.launchApp(DummyCallBack, DummyCallBack)
                 .then(result => console.log(result))
                 .catch(error => console.error(error))
-        }).catch(error => console.error(error))
+        }).catch(error => console.error(error));
+    }
+
+    const DummyCallBack = (d, e) => {
+        if (e) console.error("DummyCallback", e);
+        console.log("DummyCallback", d);
     }
 </script>
 </head>
@@ -7302,17 +7306,18 @@ Bitcoin.Util = {
         }
     }
 </script>
-<script id="floBlockchainAPI" version="2.0.1a">
+<script id="floBlockchainAPI" version="2.0.1e">
     /* FLO Blockchain Operator to send/receive data from blockchain using API calls*/
     const floBlockchainAPI = {
 
         util: {
             serverList: floGlobals.apiURL[floGlobals.blockchain].slice(0),
-            curPos: floCrypto.randInt(0, floGlobals.apiURL[floGlobals.blockchain].length),
-            fetch_retry: function(apicall) {
+            curPos: floCrypto.randInt(0, floGlobals.apiURL[floGlobals.blockchain].length - 1),
+            fetch_retry: function(apicall, rm_flosight) {
                 return new Promise((resolve, reject) => {
-                    this.serverList.splice(this.curPos, 1);
-                    this.curPos = floCrypto.randInt(0, this.serverList.length)
+                    let i = this.serverList.indexOf(rm_flosight)
+                    if (i != -1) this.serverList.splice(i, 1);
+                    this.curPos = floCrypto.randInt(0, this.serverList.length - 1)
                     this.fetch_api(apicall)
                         .then(result => resolve(result))
                         .catch(error => reject(error));
@@ -7323,21 +7328,26 @@ Bitcoin.Util = {
                     if (this.serverList.length === 0)
                         reject("No floSight server working")
                     else {
-                        fetch(this.serverList[this.curPos] + apicall).then(response => {
+                        let flosight = this.serverList[this.curPos];
+                        fetch(flosight + apicall).then(response => {
                             if (response.ok)
                                 response.json().then(data => resolve(data));
                             else {
-                                this.fetch_retry(apicall)
+                                this.fetch_retry(apicall, flosight)
                                     .then(result => resolve(result))
                                     .catch(error => reject(error));
                             }
                         }).catch(error => {
-                            this.fetch_retry(apicall)
+                            this.fetch_retry(apicall, flosight)
                                 .then(result => resolve(result))
                                 .catch(error => reject(error));
                         })
                     }
                 })
+            },
+
+            current: function() {
+                return this.serverList[this.curPos];
             }
         },
 
@@ -7701,13 +7711,18 @@ Bitcoin.Util = {
         limit       : maximum number of filtered data (default = 1000, negative  = no limit)
         ignoreOld   : ignore old txs (default = 0)
         sentOnly    : filters only sent data
-        pattern     : filters data that starts with a pattern
-        contains    : filters data that contains a string
+        receivedOnly: filters only received data
+        pattern     : filters data that with JSON pattern
         filter      : custom filter funtion for floData (eg . filter: d => {return d[0] == '$'})
+        txid        : (boolean) resolve txid or not
+        sender      : flo-id(s) of sender
+        receiver    : flo-id(s) of receiver
         */
         readData: function(addr, options = {}) {
             options.limit = options.limit || 0
             options.ignoreOld = options.ignoreOld || 0
+            if (typeof options.sender === "string") options.sender = [options.sender];
+            if (typeof options.receiver === "string") options.receiver = [options.receiver];
             return new Promise((resolve, reject) => {
                 this.promisedAPI(`api/addrs/${addr}/txs?from=0&to=1`).then(response => {
                     var newItems = response.totalItems - options.ignoreOld;
@@ -7718,8 +7733,6 @@ Bitcoin.Util = {
                             var filteredData = [];
                             for (i = 0; i < (response.totalItems - options.ignoreOld) &&
                                 filteredData.length < options.limit; i++) {
-                                if (options.sentOnly && response.items[i].vin[0].addr !== addr)
-                                    continue;
                                 if (options.pattern) {
                                     try {
                                         let jsonContent = JSON.parse(response.items[i].floData)
@@ -7729,9 +7742,45 @@ Bitcoin.Util = {
                                         continue;
                                     }
                                 }
+                                if (options.sentOnly) {
+                                    let flag = false;
+                                    for (let vin of response.items[i].vin)
+                                        if (vin.addr === addr) {
+                                            flag = true;
+                                            break;
+                                        }
+                                    if (!flag) continue;
+                                }
+                                if (Array.isArray(options.sender)) {
+                                    let flag = false;
+                                    for (let vin of response.items[i].vin)
+                                        if (options.sender.includes(vin.addr)) {
+                                            flag = true;
+                                            break;
+                                        }
+                                    if (!flag) continue;
+                                }
+                                if (options.receivedOnly) {
+                                    let flag = false;
+                                    for (let vout of response.items[i].vout)
+                                        if (vout.scriptPubKey.addresses[0] === addr) {
+                                            flag = true;
+                                            break;
+                                        }
+                                    if (!flag) continue;
+                                }
+                                if (Array.isArray(options.receiver)) {
+                                    let flag = false;
+                                    for (let vout of response.items[i].vout)
+                                        if (options.receiver.includes(vout.scriptPubKey.addresses[0])) {
+                                            flag = true;
+                                            break;
+                                        }
+                                    if (!flag) continue;
+                                }
                                 if (options.filter && !options.filter(response.items[i].floData))
                                     continue;
-                                filteredData.push(response.items[i].floData);
+                                filteredData.push(options.txid ? [response.items[i].txid, response.items[i].floData] : response.items[i].floData);
                             }
                             resolve({
                                 totalTxs: response.totalItems,
@@ -7983,7 +8032,7 @@ Bitcoin.Util = {
         }
     }
 </script>
-<script id="floCloudAPI" version="2.0.2e">
+<script id="floCloudAPI" version="2.1.0">
     /* FLO Cloud operations to send/request application data*/
     const floCloudAPI = {
 
@@ -8128,23 +8177,16 @@ Bitcoin.Util = {
             },
 
             inactive: new Set(),
-            connect(snID) {
+
+            ws_connect(snID) {
                 return new Promise((resolve, reject) => {
                     if (!(snID in floGlobals.supernodes))
                         return reject(`${snID} is not a supernode`)
                     let inactive = this.inactive
                     if (inactive.has(snID))
                         return reject(`${snID} is not active`)
-                    var wsConn = new WebSocket("wss://" + floGlobals.supernodes[snID].uri + "/ws");
-                    wsConn.onmessage = (evt) => {
-                        if (evt.data == '$+')
-                            resolve(wsConn)
-                        else if (evt.data == '$-') {
-                            wsConn.close();
-                            inactive.add(snID)
-                            reject(`${snID} is not active`)
-                        }
-                    }
+                    var wsConn = new WebSocket("wss://" + floGlobals.supernodes[snID].uri + "/");
+                    wsConn.onopen = evt => resolve(wsConn);
                     wsConn.onerror = evt => {
                         inactive.add(snID)
                         reject(`${snID} is unavailable`)
@@ -8152,51 +8194,88 @@ Bitcoin.Util = {
                 })
             },
 
-            connectActive(snID, reverse = false) {
+            ws_activeConnect(snID, reverse = false) {
                 return new Promise((resolve, reject) => {
                     if (this.inactive.size === this.kBucket.SNCO.length)
-                        return reject('Cloud offline')
+                        return reject('Cloud offline');
                     if (!(snID in floGlobals.supernodes))
                         snID = this.kBucket.closestNode(snID);
-                    this.connect(snID)
+                    this.ws_connect(snID)
                         .then(node => resolve(node))
                         .catch(error => {
                             if (reverse)
                                 var nxtNode = this.kBucket.prevNode(snID);
                             else
                                 var nxtNode = this.kBucket.nextNode(snID);
-                            this.connectActive(nxtNode, reverse)
+                            this.ws_activeConnect(nxtNode, reverse)
                                 .then(node => resolve(node))
                                 .catch(error => reject(error))
                         })
                 })
             },
 
-            singleRequest: function(floID, data) {
+            fetch_API: function(snID, data) {
                 return new Promise((resolve, reject) => {
-                    this.connectActive(floID).then(node => {
-                        let randID = floCrypto.randString(5);
-                        node.send(`${floID}|${randID}:${JSON.stringify(data)}`);
-                        node.onmessage = (evt) => {
-                            if (evt.data.startsWith(randID, 1)) {
-                                try {
-                                    let data = JSON.parse(evt.data.substring(42))
-                                    resolve(data)
-                                } catch (error) {
-                                    reject(evt.data.substring(42))
-                                } finally {
-                                    node.close()
-                                }
-                            }
-                        }
-                    }).catch(error => reject(error));
-                });
+                    if (this.inactive.has(snID))
+                        return reject(`${snID} is not active`);
+                    let fetcher, sn_url = "https://" + floGlobals.supernodes[snID].uri;
+                    if (typeof data === "string")
+                        fetcher = fetch(sn_url + "?" + data);
+                    else if (typeof data === "object" && data.method === "POST")
+                        fetcher = fetch(sn_url, data);
+                    fetcher.then(response => {
+                        if (response.ok)
+                            resolve(response);
+                        else
+                            reject(response);
+                    }).catch(error => reject(error))
+                })
             },
 
-            liveRequest: function(floID, datareq, callback) {
-                let request = {
-                    ...datareq.request
-                };
+            fetch_ActiveAPI: function(snID, data, reverse = false) {
+                return new Promise((resolve, reject) => {
+                    if (this.inactive.size === this.kBucket.SNCO.length)
+                        return reject('Cloud offline');
+                    if (!(snID in floGlobals.supernodes))
+                        snID = this.kBucket.closestNode(snID);
+                    this.fetch_API(snID, data)
+                        .then(result => resolve(result))
+                        .catch(error => {
+                            this.inactive.add(snID)
+                            if (reverse)
+                                var nxtNode = this.kBucket.prevNode(snID);
+                            else
+                                var nxtNode = this.kBucket.nextNode(snID);
+                            this.fetch_ActiveAPI(nxtNode, data, reverse)
+                                .then(result => resolve(result))
+                                .catch(error => reject(error));
+                        })
+                })
+            },
+
+            singleRequest: function(floID, data_obj, method = "POST") {
+                return new Promise((resolve, reject) => {
+                    let data;
+                    if (method === "POST")
+                        data = {
+                            method: "POST",
+                            body: JSON.stringify(data_obj)
+                        };
+                    else
+                        data = new URLSearchParams(JSON.parse(JSON.stringify(data_obj))).toString();
+                    this.fetch_ActiveAPI(floID, data).then(response => {
+                        response.json()
+                            .then(result => resolve(this.objectifier(result)))
+                            .catch(error => {
+                                response.text()
+                                    .then(result => reject(result)) //Error Message from Node
+                                    .catch(error => reject(error))
+                            })
+                    }).catch(error => reject(error))
+                })
+            },
+
+            liveRequest: function(floID, request, callback) {
                 const checkFilter = (v, d, r) =>
                     (!r.atVectorClock || r.atVectorClock == v) &&
                     (r.atVectorClock || !r.lowerVectorClock || r.lowerVectorClock <= v) &&
@@ -8207,25 +8286,20 @@ Bitcoin.Util = {
                     (!r.type || r.type == d.type) &&
                     (!r.senderIDs || r.senderIDs.includes(d.senderID));
                 return new Promise((resolve, reject) => {
-                    this.connectActive(floID).then(node => {
+                    this.ws_activeConnect(floID).then(node => {
                         let randID = floCrypto.randString(5);
-                        node.send(`${floID}|${randID}:${JSON.stringify(datareq)}`);
+                        node.send(JSON.stringify(request));
                         node.onmessage = (evt) => {
-                            if (evt.data.startsWith(randID, 1))
-                                var i = 42
-                            else if (evt.data.startsWith(floID, 1))
-                                var i = 36
-                            else return;
                             let d = e = null;
                             try {
-                                let data = JSON.parse(evt.data.substring(i))
-                                let filter = {}
+                                let data = this.objectifier(JSON.parse(evt.data)),
+                                    filter = {};
                                 for (let v in data)
                                     if (checkFilter(v, data[v], request))
-                                        filter[v] = data[v]
-                                d = filter
+                                        filter[v] = data[v];
+                                d = filter;
                             } catch (error) {
-                                e = evt.data.substring(i)
+                                e = evt.data
                             } finally {
                                 callback(d, e)
                             }
@@ -8300,6 +8374,15 @@ Bitcoin.Util = {
                 } catch (error) {
                     console.error(error)
                 }
+            },
+
+            objectifier: function(data) {
+                if (!Array.isArray(data))
+                    data = [data];
+                return Object.fromEntries(data.map(d => {
+                    d.message = this.decodeMessage(d.message);
+                    return [d.vectorClock, d];
+                }));
             }
         },
 
@@ -8320,12 +8403,8 @@ Bitcoin.Util = {
                     .map(d => data[d]).join("|")
                 data.sign = floCrypto.signData(hashcontent, myPrivKey)
                 this.util.singleRequest(data.receiverID, data)
-                    .then(result => {
-                        data.message = message
-                        resolve({
-                            [result.vectorClock]: data
-                        })
-                    }).catch(error => reject(error))
+                    .then(result => resolve(result))
+                    .catch(error => reject(error))
             })
         },
 
@@ -8343,30 +8422,24 @@ Bitcoin.Util = {
                     atVectorClock: options.atVectorClock || undefined,
                     mostRecent: options.mostRecent || undefined,
                 }
-                var datareq = {
-                    time: Date.now(),
-                    request
-                }
+
                 if (options.callback instanceof Function) {
-                    let callback = (d, e) => {
-                        for (let v in d)
-                            d[v].message = this.util.decodeMessage(d[v].message)
-                        options.callback(d, e)
-                    }
-                    this.util.liveRequest(request.receiverID, datareq, callback)
+                    this.util.liveRequest(request.receiverID, request, options.callback)
                         .then(result => resolve(result))
                         .catch(error => reject(error))
                 } else {
-                    this.util.singleRequest(request.receiverID, datareq).then(data => {
-                        for (let v in data)
-                            data[v].message = this.util.decodeMessage(data[v].message)
-                        resolve(data)
-                    }).catch(error => reject(error))
+                    if (options.method === "POST")
+                        request = {
+                            time: Date.now(),
+                            request
+                        };
+                    this.util.singleRequest(request.receiverID, request, options.method || "GET")
+                        .then(data => resolve(data)).catch(error => reject(error))
                 }
             })
         },
 
-        //delete data from supernode cloud (received only)
+        //(NEEDS UPDATE) delete data from supernode cloud (received only)
         deleteApplicationData: function(vectorClocks, options = {}) {
             return new Promise((resolve, reject) => {
                 var delreq = {
@@ -8392,7 +8465,7 @@ Bitcoin.Util = {
             })
         },
 
-        //edit comment of data in supernode cloud (mutable comments only)
+        //(NEEDS UPDATE) edit comment of data in supernode cloud (mutable comments only)
         editApplicationData: function(vectorClock, newComment, oldData, options = {}) {
             return new Promise((resolve, reject) => {
                 let p0
@@ -8554,7 +8627,7 @@ Bitcoin.Util = {
                 if (!conn)
                     return reject('Request not found')
                 conn.onclose = evt => {
-                    delete this.util.liveRequest[requestID]
+                    delete this.util.liveRequest[requestID];
                     resolve('Request connection closed')
                 }
                 conn.close()
@@ -9370,22 +9443,19 @@ Bitcoin.Util = {
 <script>
     /* decimal.js v10.2.1 https://github.com/MikeMcl/decimal.js/LICENCE */!function(n){"use strict";var h,S,e,o,u=9e15,g=1e9,m="0123456789abcdef",t="2.3025850929940456840179914546843642076011014886287729760333279009675726096773524802359972050895982983419677840422862486334095254650828067566662873690987816894829072083255546808437998948262331985283935053089653777326288461633662222876982198867465436674744042432743651550489343149393914796194044002221051017141748003688084012647080685567743216228355220114804663715659121373450747856947683463616792101806445070648000277502684916746550586856935673420670581136429224554405758925724208241314695689016758940256776311356919292033376587141660230105703089634572075440370847469940168269282808481184289314848524948644871927809676271275775397027668605952496716674183485704422507197965004714951050492214776567636938662976979522110718264549734772662425709429322582798502585509785265383207606726317164309505995087807523710333101197857547331541421808427543863591778117054309827482385045648019095610299291824318237525357709750539565187697510374970888692180205189339507238539205144634197265287286965110862571492198849978748873771345686209167058",r="3.1415926535897932384626433832795028841971693993751058209749445923078164062862089986280348253421170679821480865132823066470938446095505822317253594081284811174502841027019385211055596446229489549303819644288109756659334461284756482337867831652712019091456485669234603486104543266482133936072602491412737245870066063155881748815209209628292540917153643678925903600113305305488204665213841469519415116094330572703657595919530921861173819326117931051185480744623799627495673518857527248912279381830119491298336733624406566430860213949463952247371907021798609437027705392171762931767523846748184676694051320005681271452635608277857713427577896091736371787214684409012249534301465495853710507922796892589235420199561121290219608640344181598136297747713099605187072113499999983729780499510597317328160963185950244594553469083026425223082533446850352619311881710100031378387528865875332083814206171776691473035982534904287554687311595628638823537875937519577818577805321712268066130019278766111959092164201989380952572010654858632789",c={precision:20,rounding:4,modulo:1,toExpNeg:-7,toExpPos:21,minE:-u,maxE:u,crypto:!1},N=!0,f="[DecimalError] 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bn(n){return new this(n).ln()}function En(n,e){return new this(n).log(e)}function xn(n){return new this(n).log(2)}function yn(n){return new this(n).log(10)}function Mn(){return i(this,arguments,"lt")}function qn(){return i(this,arguments,"gt")}function On(n,e){return new this(n).mod(e)}function Dn(n,e){return new this(n).mul(e)}function Fn(n,e){return new this(n).pow(e)}function An(n){var e,i,t,r,s=0,o=new this(1),u=[];if(void 0===n?n=this.precision:q(n,1,g),t=Math.ceil(n/R),this.crypto)if(crypto.getRandomValues)for(e=crypto.getRandomValues(new Uint32Array(t));s<t;)429e7<=(r=e[s])?e[s]=crypto.getRandomValues(new Uint32Array(1))[0]:u[s++]=r%1e7;else{if(!crypto.randomBytes)throw Error(a);for(e=crypto.randomBytes(t*=4);s<t;)214e7<=(r=e[s]+(e[s+1]<<8)+(e[s+2]<<16)+((127&e[s+3])<<24))?crypto.randomBytes(4).copy(e,s):(u.push(r%1e7),s+=4);s=t/4}else 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define&&define.amd?define(function(){return h}):"undefined"!=typeof module&&module.exports?("function"==typeof Symbol&&"symbol"==typeof Symbol.iterator&&(y[Symbol.for("nodejs.util.inspect.custom")]=y.toString,y[Symbol.toStringTag]="Decimal"),module.exports=h):(n=n||("undefined"!=typeof self&&self&&self.self==self?self:window),e=n.Decimal,h.noConflict=function(){return n.Decimal=e,h},n.Decimal=h)}(this);
 </script>
-<script id="bank_app" version=0.5>
+<script id="bank_app" version=0.6>
     const bank_app = {
 
         launchApp: function(reqCallback, resCallback) {
             return new Promise((resolve, reject) => {
-                let models = ["I_b", "I_s"];
-                models.forEach(m => this.model[m] = this.exParser(floGlobals.settings[m]));
-                for (let x in floGlobals.settings)
-                    if (x.startsWith("constant-"))
-                        this.constants[x.substring("constant-".length)] = floGlobals.settings[x]
-                let data = ["requests", "responses", "appendix"];
-                Promise.all(data.map(d => compactIDB.readAllData(o))).then(results => {
+                let data = ["requests", "responses", "appendix", "settings"];
+                Promise.all(data.map(d => compactIDB.readAllData(d))).then(results => {
+                    console.debug(data, results)
                     for (let i in results)
                         this[data[i]] = results[i];
                     this.refreshData(true).then(result => {
-                        setInterval(() => this.refreshData(), this.util.refreshTime);
+                        //setInterval(() => this.refreshData(), this.util.refreshTime);
+                        console.log(result);
                         this.readDataFromCloud(myFloID === floGlobals.adminID, reqCallback, resCallback)
                             .then(result => resolve(result))
                             .catch(error => reject(error))
@@ -9395,13 +9465,14 @@ Bitcoin.Util = {
         },
 
         util: {
-            myIndex: 0,
             lastUpdate: null,
             secInYr: new Decimal(31556952000),
             refreshTime: 5 * 60000, //min*millisec
+            delta: 1.001,
             istr: floGlobals.application + '::'
         },
 
+        settings: {},
         model: {},
         constants: {},
         accMap: {},
@@ -9410,23 +9481,28 @@ Bitcoin.Util = {
 
         refreshData: function(reset = false) {
             return new Promise((resolve, reject) => {
-                this.readDataFromBlockchain().then(result => {
+                this.readDataFromBlockchain().then(accounts => {
                     if (reset) {
+                        ["I_b", "I_s"].forEach(m => this.model[m] = this.exParser(this.settings[m]));
+                        for (let s in this.settings)
+                            if (s.startsWith("constant-"))
+                                this.constants[s.substring("constant-".length)] = this.settings[s]
                         compactIDB.readAllData('accounts').then(accounts => {
                             this.util.lastUpdate = null;
                             this.accMap = {};
                             this.accounts = [];
                             this.rates = {};
                             for (let a in accounts)
-                                parseAccount(a);
+                                this.parseAccount(a, accounts[a].data, accounts[a].txid);
                             this.updateAccountNetValues();
-                            resolve("Data Refreshed");
+                            resolve("Data Refreshed with sync from localDB");
                         }).catch(error => reject(error))
                     } else {
                         try {
-                            for (let a in result)
-                                parseAccount(a);
+                            for (let a in accounts)
+                                this.parseAccount(a, accounts[a].data, accounts[a].txid);
                             this.updateAccountNetValues();
+                            resolve("Data Refreshed");
                         } catch (error) {
                             console.error(error)
                             this.refreshData(true)
@@ -9440,40 +9516,53 @@ Bitcoin.Util = {
         },
 
         readDataFromCloud: function(isAdmin, reqCallback, resCallback) {
-            let callback = (d, e) => {
-                let r = {};
-                for (let x in d) {
-                    r[x] = {}
-                    for (let y in d[x].message)
-                        r[x][y] = d[x].message[y];
-                    r[x].floID = d[x].sender;
-                    r[x].status = "pending";
-                    this.requests[x] = r[x];
-                    compactIDB.addData("requests", r[x], x);
-                }
-                this.appendix.lastRequest = Object.keys(this.requests).sort().pop();
-                compactIDB.writeData("appendix", this.appendix.lastRequest, "lastRequest");
-                if (reqCallback instanceof Function)
-                    reqCallback(r, e);
-            }
             if (isAdmin)
                 return floCloudAPI.requestApplicationData("REQUEST", {
                     receiverID: floGlobals.adminID,
                     senderIDs: false,
-                    lowerVectorClock: this.appendix.lastRequest,
-                    callback: callback
+                    lowerVectorClock: this.appendix.lastRequest + 1,
+                    callback: (d, e) => {
+                        let r = {};
+                        for (let x in d) {
+                            r[x] = {}
+                            for (let y in d[x].message)
+                                r[x][y] = d[x].message[y];
+                            r[x].floID = d[x].senderID;
+                            r[x].pubKey = d[x].pubKey;
+                            r[x].status = "pending";
+                            this.requests[x] = r[x];
+                            compactIDB.addData("requests", r[x], x);
+                        }
+                        this.appendix.lastRequest = Object.keys(this.requests).sort().pop();
+                        compactIDB.writeData("appendix", this.appendix.lastRequest, "lastRequest");
+                        if (reqCallback instanceof Function)
+                            reqCallback(r, e);
+                    }
                 });
             else {
                 let p1 = floCloudAPI.requestApplicationData("REQUEST", {
                     receiverID: floGlobals.adminID,
                     senderIDs: [myFloID],
-                    lowerVectorClock: this.appendix.lastRequest,
-                    callback: callback
+                    lowerVectorClock: this.appendix.lastRequest + 1,
+                    callback: (d, e) => {
+                        let r = {};
+                        for (let x in d) {
+                            r[x] = {}
+                            for (let y in d[x].message)
+                                r[x][y] = d[x].message[y];
+                            this.requests[x] = r[x];
+                            compactIDB.addData("requests", r[x], x);
+                        }
+                        this.appendix.lastRequest = Object.keys(this.requests).sort().pop();
+                        compactIDB.writeData("appendix", this.appendix.lastRequest, "lastRequest");
+                        if (reqCallback instanceof Function)
+                            reqCallback(r, e);
+                    }
                 });
                 let p2 = floCloudAPI.requestApplicationData("RESPONSE", {
                     receiverID: myFloID,
                     senderIDs: [floGlobals.adminID],
-                    lowerVectorClock: this.appendix.lastResponse,
+                    lowerVectorClock: this.appendix.lastResponse + 1,
                     callback: (d, e) => {
                         let r = {};
                         for (let x in d) {
@@ -9498,15 +9587,36 @@ Bitcoin.Util = {
                 let options = {
                     sentOnly: true,
                     ignoreOld: this.appendix.lastTx,
+                    txid: true,
                     filter: d => d.startsWith(this.util.istr)
                 }
                 floBlockchainAPI.readData(floGlobals.adminID, options).then(result => {
                     let accounts = {},
                         promises = [];
-                    result.data.forEach(d => {
-                        let data = d.substring(this.util.istr.length).split('|');
-                        accounts[data[1]] = data;
-                        promises.push(compactIDB.addData('accounts', data, data[1]))
+                    result.data.reverse().forEach(d => {
+                        let data = d[1].substring(this.util.istr.length);
+                        try {
+                            if (data.startsWith("set:")) {
+                                let settings = JSON.parse(data.substring("set:".length))
+                                for (let s in settings) {
+                                    promises.push(compactIDB.writeData("settings", settings[s], s));
+                                    this.settings[s] = settings[s];
+                                }
+                            } else {
+                                let values = data.split('|');
+                                if (values.length > 1) {
+                                    let key = parseInt(values.shift());
+                                    if (isNaN(key)) return;
+                                    accounts[key] = {
+                                        data: values,
+                                        txid: d[0]
+                                    };
+                                    promises.push(compactIDB.addData('accounts', accounts[key], key));
+                                }
+                            }
+                        } catch (error) {
+                            console.error(error);
+                        }
                     });
                     Promise.all(promises).then(results => {
                         this.appendix.lastTx = result.totalTxs
@@ -9519,35 +9629,81 @@ Bitcoin.Util = {
 
         },
 
-        parseAccount: function(data) {
-            switch (data[0]) {
+        dataConstruct: function(time, floID, type, index, sign, pubKey, amount = null, tokenTx = null) {
+            let data = [];
+            data.push(time);
+            data.push('floID:' + floID);
+            data.push(type + ":" + index);
+            if (amount)
+                data.push('amount:' + amount);
+            if (tokenTx)
+                data.push('token-tx:' + tokenTx);
+            data.push('sign:' + sign);
+            data.push('pubKey:' + pubKey);
+            console.debug(this.util.istr + data.join('|'));
+            return this.util.istr + data.join('|');
+        },
+
+        parseAccount: function(time, data, txid) {
+            let acc = {};
+            data.forEach(d => {
+                d = d.split(":");
+                switch (d[0]) {
+                    case "open-deposit":
+                    case "close-deposit":
+                    case "open-loan":
+                    case "close-loan":
+                        acc.type = d[0];
+                        acc.index = d[1];
+                        break;
+                    case "amount":
+                        acc.amount = parseFloat(d[1]);
+                        break;
+                    case "sign":
+                    case "pubKey":
+                    case "floID":
+                    case "token-tx":
+                        acc[d[0]] = d[1];
+                        break;
+                    default:
+                        console.warn("Unknown parse data", d);
+                }
+            });
+            console.debug(time, txid, acc);
+            if (!time || !txid || !acc.floID || !acc.type || !acc.index || !acc.sign || !acc.pubKey)
+                return;
+            switch (acc.type) {
                 case "open-deposit":
-                    if (floCrypto.verifySign(this.istr + `open#${data[3]}:deposit${data[4]}|${data[7]}`, data[6], data[5]))
-                        this.addAccount(data[2], {
-                            floID: data[2],
+                    if (floCrypto.verifySign(this.util.istr + `open#${acc.index}:deposit|${acc.amount}|${acc['token-tx']}`, acc.sign, acc.pubKey))
+                        this.addAccount(acc.floID, {
+                            floID: acc.floID,
                             type: "deposit",
-                            amount: data[4],
-                            pubKey: data[5],
-                            sign: data[6],
-                        }, data[1], data[7]);
+                            amount: acc.amount,
+                            pubKey: acc.pubKey,
+                            sign: {
+                                open: acc.sign
+                            },
+                        }, time, txid, acc['token-tx']);
                     break;
                 case "close-deposit":
-                    if (floCrypto.verifySign(this.istr + `close-deposit#${data[3]}`, data[5], data[4]))
-                        this.closeAccount(data[2], data[3], data[1], data[6]);
+                    if (floCrypto.verifySign(this.util.istr + `close#${acc.index}:deposit`, acc.sign, acc.pubKey))
+                        this.closeAccount(acc.floID, acc.index, time, acc.sign, txid, acc['token-tx'] || txid);
                     break;
                 case "open-loan":
-                    if (floCrypto.verifySign(this.istr + `open#${data[3]}:loan${data[4]}`, data[6], data[5]))
-                        this.addAccount(data[2], {
-                            floID: data[2],
+                    if (floCrypto.verifySign(this.util.istr + `open#${acc.index}:loan|${acc.amount}`, acc.sign, acc.pubKey))
+                        this.addAccount(acc.floID, {
+                            floID: acc.floID,
                             type: "loan",
-                            amount: data[4],
-                            pubKey: data[5],
-                            sign: data[6],
-                        }, data[1], data[7]);
+                            amount: acc.amount,
+                            pubKey: acc.pubKey,
+                            sign: {
+                                open: acc.sign
+                            },
+                        }, time, txid, acc['token-tx'] || txid);
                     break;
                 case "close-loan":
-                    if (floCrypto.verifySign(this.istr + `close-loan#${data[3]}:${data[6]}`, data[5], data[4]))
-                        this.closeAccount(data[2], data[3], data[1], data[6]);
+                    if (floCrypto.verifySign(this.util.istr + `close#${acc.index}:loan|${acc['token-tx']}`, acc.sign, acc.pubKey))
+                        this.closeAccount(acc.floID, acc.index, time, acc.sign, txid, acc['token-tx']);
                     break;
             }
         },
@@ -9555,6 +9711,7 @@ Bitcoin.Util = {
         tokenAPI: {
             fetch_api: function(apicall) {
                 return new Promise((resolve, reject) => {
+                    console.log(floGlobals.tokenURL + apicall);
                     fetch(floGlobals.tokenURL + apicall).then(response => {
                         if (response.ok)
                             response.json().then(data => resolve(data));
@@ -9572,18 +9729,24 @@ Bitcoin.Util = {
             },
             getTx: function(txID) {
                 return new Promise((resolve, reject) => {
-                    this.fetch_api(`api/v1.0/getTransactionDetails/${txID}`).then(result => {
+                    this.fetch_api(`api/v1.0/getTransactionDetails/${txID}`).then(res => {
+                        if (res.result === "error")
+                            return reject(res.description);
+                        else if (!res.parsedFloData)
+                            return reject("Data piece (parsedFloData) missing");
+                        else if (!res.transactionDetails)
+                            return reject("Data piece (transactionDetails) missing");
                         let response = {
-                            amount: result.parsedFloData.tokenAmount,
-                            token: result.parsedFloData.tokenIdentification,
-                            transfer: result.parsedFloData.transferType,
-                            type: result.parsedFloData.type,
-                            time: result.transactionDetails.time,
-                            confirmations: result.transactionDetails.confirmations
+                            amount: res.parsedFloData.tokenAmount,
+                            token: res.parsedFloData.tokenIdentification,
+                            transfer: res.parsedFloData.transferType,
+                            type: res.parsedFloData.type,
+                            time: res.transactionDetails.time,
+                            confirmations: res.transactionDetails.confirmations
                         }
-                        response.sender = result.transactionDetails.vin[0].addr
-                        for (let i in result.transactionDetails.vout) {
-                            let vout = result.transactionDetails.vout[i];
+                        response.sender = res.transactionDetails.vin[0].addr
+                        for (let i in res.transactionDetails.vout) {
+                            let vout = res.transactionDetails.vout[i];
                             if (vout.scriptPubKey.addresses[0] !== response.sender) {
                                 response.receiver = vout.scriptPubKey.addresses[0]
                                 break;
@@ -9593,6 +9756,20 @@ Bitcoin.Util = {
                     }).catch(error => reject(error))
                 })
             },
+            sendToken: function(privKey, amount, message = "", receiverID = floGlobals.adminID, token = floGlobals.token) {
+                return new Promise((resolve, reject) => {
+                    let senderID = floCrypto.getFloID(privKey);
+                    if (typeof amount !== "number" || amount <= 0)
+                        return reject("Invalid amount");
+                    this.getBalance(senderID, token).then(bal => {
+                        if (amount > bal)
+                            return reject("Insufficiant balance");
+                        floBlockchainAPI.writeData(senderID, `send ${amount} ${token}# ${message}`, privKey, receiverID)
+                            .then(txid => resolve(txid))
+                            .catch(error => reject(error))
+                    }).catch(error => reject(error))
+                });
+            },
             validateToken: function(tx, sender, receiver, amount = null, token = floGlobals.token) {
                 return ((!sender || tx.sender === sender) &&
                     (!receiver || tx.receiver === receiver) &&
@@ -9618,6 +9795,29 @@ Bitcoin.Util = {
 
         },
 
+        writeBankTxData: function(privKey, data, receiverID, tokenAmt = null, token = floGlobals.token) {
+            return new Promise((resolve, reject) => {
+                let senderID = floCrypto.getFloID(privKey);
+                if (senderID != floGlobals.adminID)
+                    return reject("Access Denied: Admin only!");
+                if (tokenAmt !== null) {
+                    if (typeof tokenAmt !== "number" || tokenAmt <= 0)
+                        return reject("Invalid token amount");
+                    this.tokenAPI.getBalance(senderID, token).then(bal => {
+                        if (tokenAmt > bal)
+                            return reject("Insufficiant balance");
+                        floBlockchainAPI.writeData(senderID, data + `| send ${tokenAmt} ${token}#`, privKey, receiverID)
+                            .then(txid => resolve(txid))
+                            .catch(error => reject(error))
+                    }).catch(error => reject(error))
+                } else {
+                    floBlockchainAPI.writeData(senderID, data, privKey, receiverID)
+                        .then(txid => resolve(txid))
+                        .catch(error => reject(error))
+                }
+            })
+        },
+
         checkTxDuplicate: function(txid, floID = null) {
             let accounts = [];
             if (!floID)
@@ -9630,12 +9830,13 @@ Bitcoin.Util = {
             return false;
         },
 
-        addAccount: function(floID, account, time, txid) {
+        addAccount: function(floID, account, time, txid, tokenTx) {
             this.updateAccountNetValues(time);
             account.netAmt = account.amount;
             account.status = "active";
             account.openTime = time;
             account.openTx = txid;
+            account.openTokenTx = tokenTx;
             let index = this.accounts.push(account);
             index -= 1;
             if (!this.accMap[floID])
@@ -9644,9 +9845,9 @@ Bitcoin.Util = {
             this.updateRates();
         },
 
-        closeAccount: function(floID, index, time, txid) {
-            accIndex = this.accMap[floID][index];
-            if (!accIndex)
+        closeAccount: function(floID, index, time, sign, txid, tokenTx) {
+            let accIndex = this.accMap[floID][index];
+            if (typeof accIndex != "number")
                 throw Error("Invalid Account index");
             let account = this.accounts[accIndex];
             if (!account)
@@ -9657,6 +9858,8 @@ Bitcoin.Util = {
             account.status = "closed";
             account.closeTime = time;
             account.closeTx = txid;
+            account.closeTokenTx = tokenTx;
+            account.sign.close = sign;
             this.updateRates();
         },
 
@@ -9670,7 +9873,7 @@ Bitcoin.Util = {
             t = t.div(this.util.secInYr);
             this.accounts.forEach(acc => {
                 if (acc.status === "active")
-                    acc.netAmt = this.calcNetValue(acc.netAmt, rate[acc.type], t)
+                    acc.netAmt = this.calcNetValue(acc.netAmt, rates[acc.type], t)
             });
             this.util.lastUpdate = time;
         },
@@ -9688,7 +9891,7 @@ Bitcoin.Util = {
             let totalLoan = 0,
                 totalDeposit = 0;
             for (let acc of this.accounts)
-                if (deposit.status === "active") {
+                if (acc.status === "active") {
                     switch (acc.type) {
                         case "loan":
                             totalLoan += acc.netAmt;
@@ -9783,13 +9986,13 @@ Bitcoin.Util = {
                     }
             })
             //Might need to add net interest calculations
-            result.netTotal = depositTotal - loanTotal;
+            result.netTotal = result.depositTotal - result.loanTotal;
             return result
         },
 
         getAccount: function(floID, index) {
             let mappedIndex = this.accMap[floID][index]
-            return accounts[mappedIndex];
+            return this.accounts[mappedIndex];
         },
 
         exParser(expression) {
@@ -9877,26 +10080,23 @@ Bitcoin.Util = {
             else if (toNum && result[0] instanceof Decimal)
                 return result[0].toNumber();
             else
-                return result;
+                return result[0];
         },
 
         makeDeposit: function(amount) {
             return new Promise(async (resolve, reject) => {
                 try {
-                    let index = this.util.myIndex + 1
-                    //verify token balance
-                    let bal = await this.tokenAPI.getBalance(myFloID)
-                    if (bal < amount)
-                        throw Error('Insufficiant balance')
+                    let index = this.accMap[myFloID] ? this.accMap[myFloID].length : 0;
                     //refresh data and update the account net values
                     await this.refreshData();
                     //send token to banker floID (using floBlockchain API)
-                    let txid = await floBlockchainAPI.writeData(myFloID, `send ${amount} ${floGlobals.token}# for open-deposit`, myPrivKey, floGlobals.adminID)
+                    let txid = await this.tokenAPI.sendToken(myPrivKey, amount, "for open-deposit");
                     let request = {
                         rtype: "openDeposit",
                         amount: amount,
                         txid: txid,
-                        sign: floCrypto.signData(this.istr + `open#${index}:deposit${amount}|${txid}`)
+                        index: index,
+                        sign: floCrypto.signData(this.util.istr + `open#${index}:deposit|${amount}|${txid}`, myPrivKey)
                     }
                     //send request to banker (floCloudAPI)
                     floCloudAPI.sendApplicationData(request, "REQUEST")
@@ -9915,24 +10115,26 @@ Bitcoin.Util = {
                 try {
                     //verify the token tx
                     if (req.rtype !== "openDeposit")
-                        throw Error('Invalid request: Request-type is not openDeposit')
+                        throw ('Invalid request: Request-type is not openDeposit')
                     if (req.status !== "pending")
-                        throw Error("Request already processed");
+                        throw ("Request already processed");
+                    if (!this.accMap[req.floID])
+                        this.accMap[req.floID] = [];
                     if (this.checkTxDuplicate(req.txid, req.floID))
-                        throw Error("R>Invalid deposit: Token transaction already used")
+                        throw ("R>Invalid deposit: Token transaction already used")
                     let tx = await this.tokenAPI.getTx(req.txid);
                     if (!this.tokenAPI.validateToken(tx, req.floID, floGlobals.adminID, req.amount))
-                        throw Error("R>Invalid deposit: Invalid token transaction");
+                        throw ("R>Invalid deposit: Invalid token transaction");
                     //verify the signature
                     if (req.index != this.accMap[req.floID].length)
-                        throw Error(`R>Invalid index (correct index is ${this.accMap[req.floID].length})`);
-                    if (!floCrypto.verifySign(this.istr + `open#${req.index}:deposit${req.amount}|${req.txid}`, req.sign, req.pubKey))
-                        throw Error("R>Invalid signature: Re-signing required")
+                        throw (`R>Invalid index (correct index is ${this.accMap[req.floID].length})`);
+                    if (!floCrypto.verifySign(this.util.istr + `open#${req.index}:deposit|${req.amount}|${req.txid}`, req.sign, req.pubKey))
+                        throw ("R>Invalid signature: Re-signing required")
                     await this.refreshData()
                     let timestamp = this.util.lastUpdate;
                     //write deposit details in blockchain
-                    let data = ["open-deposit", timestamp, req.floID, req.index, req.amount, req.pubKey, req.sign, req.txid].join('|')
-                    let txid = floBlockchainAPI.writeData(myFloID, this.util.istr + data, myPrivKey, floGlobals.adminID)
+                    let data = this.dataConstruct(timestamp, req.floID, "open-deposit", req.index, req.sign, req.pubKey, req.amount, req.txid);
+                    let txid = this.writeBankTxData(myPrivKey, data, req.floID);
                     let response = {
                         requestID: reqID,
                         rtype: "openDeposit",
@@ -9943,25 +10145,25 @@ Bitcoin.Util = {
                     compactIDB.writeData("requests", req, reqID);
                     //send response to client
                     floCloudAPI.sendApplicationData(response, "RESPONSE", {
-                            receiverID: clientID
+                            receiverID: req.floID
                         }).then(result => resolve(response))
                         .catch(error => reject(error))
 
                 } catch (error) {
-                    if (!error.message.startsWith('R>'))
+                    if (error.message || !error.startsWith('R>'))
                         reject(error)
                     else {
                         let response = {
                             requestID: reqID,
                             rtype: "openDeposit",
                             status: "failed",
-                            reason: error.message.substring(2)
+                            reason: error.substring(2)
                         }
                         req.status = `failed (${response.reason})`;
                         compactIDB.writeData("requests", req, reqID);
                         //send rejected response to client
                         floCloudAPI.sendApplicationData(response, "RESPONSE", {
-                                receiverID: clientID
+                                receiverID: req.floID
                             }).then(result => resolve(response))
                             .catch(error => reject(error))
                     }
@@ -9976,16 +10178,16 @@ Bitcoin.Util = {
                     let details = this.getUserDetails(myFloID)
                     let acc = details.accounts[index]
                     if (acc.type !== "deposit")
-                        throw Error(`Account#${index} is not deposit`)
+                        throw (`Account#${index} is not deposit`)
                     if (acc.status !== "active")
-                        throw Error(`Account#${index} is not active`)
+                        throw (`Account#${index} is not active`)
                     if (details.netTotal < acc.netAmt)
-                        throw Error(`Unable to withdraw deposit: Loan amount exceeds`)
+                        throw (`Unable to withdraw deposit: Loan amount exceeds`)
                     await this.refreshData()
                     let request = {
                         rtype: "closeDeposit",
                         index: index,
-                        sign: floCrypto.signData(this.istr + `close-deposit#${index}`, myPrivKey)
+                        sign: floCrypto.signData(this.util.istr + `close#${index}:deposit`, myPrivKey)
                     }
                     //send request to banker
                     floCloudAPI.sendApplicationData(request, "REQUEST")
@@ -10004,59 +10206,52 @@ Bitcoin.Util = {
                     await this.refreshData()
                     let timestamp = this.util.lastUpdate;
                     if (req.rtype !== "closeDeposit")
-                        throw Error('Invalid request: Request-type is not closeDeposit')
+                        throw ('Invalid request: Request-type is not closeDeposit')
                     if (req.status !== "pending")
-                        throw Error("Request already processed");
+                        throw ("Request already processed");
                     //check for validity (ie no loans outstanding)
                     let details = this.getUserDetails(req.floID)
                     let acc = details.accounts[req.index]
                     if (acc.type !== "deposit")
-                        throw Error(`R>Account#${req.index} is not deposit`)
+                        throw (`R>Account#${req.index} is not deposit`)
                     if (acc.status !== "active")
-                        throw Error(`R>Account#${req.index} is not active`)
+                        throw (`R>Account#${req.index} is not active`)
                     if (details.netTotal < acc.netAmt)
-                        throw Error(`R>Unable to close deposit: Loan amount exceeds`)
+                        throw (`R>Unable to close deposit: Loan amount exceeds`)
                     //check for signature in request
-                    if (floCrypto.verifySign(this.istr + `close-deposit#${req.index}`, req.sign, req.pubKey))
-                        throw Error("R>Invalid signature: Re-signing required")
-                    //send tokens to user and close loan (via blockchain)
-                    let ttxid = await floBlockchainAPI.writeData(myFloID, `send ${acc.netAmt} ${floGlobals.token}# for close-deposit`, myPrivKey, req.floID)
-                    //verify token transfer
-                    let tx = await this.tokenAPI.getTx(ttxid)
-                    if (!this.tokenAPI.validateToken(tx, floGlobals.adminID, req.floID, acc.netAmt))
-                        throw Error('Token not valid');
+                    if (floCrypto.verifySign(this.util.istr + `close-deposit#${req.index}`, req.sign, req.pubKey))
+                        throw ("R>Invalid signature: Re-signing required")
                     //write close-deposit in blockchain 
-                    let data = ["close-deposit", timestamp, req.floID, req.index, req.pubKey, req.sign, ttxid].join('|')
-                    let btxid = await floBlockchainAPI.writeData(myFloID, this.util.istr + data, myPrivKey, floGlobals.adminID)
+                    let data = this.dataConstruct(timestamp, req.floID, "close-deposit", req.index, req.sign, req.pubKey);
+                    let txid = await this.writeBankTxData(myPrivKey, data, req.floID, acc.netAmt);
                     //send response to client
                     let response = {
                         requestID: reqID,
                         rtype: "closeDeposit",
                         status: "success",
-                        token: ttxid,
-                        txid: btxid
+                        txid: txid
                     }
                     req.status = "completed";
                     compactIDB.writeData("requests", req, reqID);
                     floCloudAPI.sendApplicationData(response, "RESPONSE", {
-                            receiverID: clientID
+                            receiverID: req.floID
                         }).then(result => resolve(response))
                         .catch(error => reject(error))
                 } catch (error) {
-                    if (!error.message.startsWith('R>'))
+                    if (error.message || !error.startsWith('R>'))
                         reject(error)
                     else {
                         let response = {
                             requestID: reqID,
                             rtype: "closeDeposit",
                             status: "failed",
-                            reason: error.message.substring(2)
+                            reason: error.substring(2)
                         }
                         req.status = `failed (${response.reason})`;
                         compactIDB.writeData("requests", req, reqID);
                         //send rejected response to client
                         floCloudAPI.sendApplicationData(response, "RESPONSE", {
-                                receiverID: clientID
+                                receiverID: req.floID
                             }).then(result => resolve(response))
                             .catch(error => reject(error))
                     }
@@ -10067,7 +10262,7 @@ Bitcoin.Util = {
         requestLoan: function(amount) {
             return new Promise(async (resolve, reject) => {
                 await this.refreshData()
-                let index = this.util.myIndex + 1;
+                let index = this.accMap[myFloID] ? this.accMap[myFloID].length : 0;
                 //check for validity of loan (ie, check if enough deposit is present)
                 let user = this.getUserDetails(myFloID)
                 if (user.netTotal <= amount)
@@ -10076,7 +10271,7 @@ Bitcoin.Util = {
                     rtype: "openLoan",
                     index: index,
                     amount: amount,
-                    sign: floCrypto.signData(this.istr + `open#${index}:loan${amount}`, myPrivKey)
+                    sign: floCrypto.signData(this.util.istr + `open#${index}:loan|${amount}`, myPrivKey)
                 }
                 //send request to banker
                 floCloudAPI.sendApplicationData(request, "REQUEST")
@@ -10092,54 +10287,47 @@ Bitcoin.Util = {
                     await this.refreshData()
                     let timestamp = this.util.lastUpdate;
                     if (req.rtype !== "openLoan")
-                        throw Error('Invalid request: Request-type is not openLoan');
+                        throw ('Invalid request: Request-type is not openLoan');
                     if (req.status !== "pending")
-                        throw Error("Request already processed");
+                        throw ("Request already processed");
                     //verify the signature
                     if (req.index != this.accMap[req.floID].length)
-                        throw Error(`R>Invalid index (correct index is ${this.accMap[req.floID].length})`);
-                    if (!floCrypto.verifySign(this.istr + `open#${req.index}:loan${req.amount}`, req.sign, req.pubKey))
-                        throw Error("R>Invalid signature: Re-signing required");
+                        throw (`R>Invalid index (correct index is ${this.accMap[req.floID].length})`);
+                    if (!floCrypto.verifySign(this.util.istr + `open#${req.index}:loan|${req.amount}`, req.sign, req.pubKey))
+                        throw ("R>Invalid signature: Re-signing required");
                     //check for validity of loan (ie, check if enough deposit is present)
                     let user = this.getUserDetails(req.floID)
                     if (user.netTotal <= req.amount)
                         return reject("R>Deposit insufficient");
-                    //send token to user
-                    ttxid = await floBlockchainAPI.writeData(myFloID, `send ${req.amount} ${floGlobals.token}# for open-loan`, myPrivKey, clientID);
-                    //verify token transfer
-                    let tx = await this.tokenAPI.getTx(ttxid)
-                    if (!this.tokenAPI.validateToken(tx, floGlobals.adminID, req.floID, req.amount))
-                        throw Error('Token not valid');
-                    let data = ["open-loan", timestamp, req.floID, req.index, req.amount, req.pubKey, req.sign, ttxid].join('|')
-                    let btxid = await floBlockchainAPI.writeData(myFloID, this.util.istr + data, myPrivKey, floGlobals.adminID)
+                    let data = this.dataConstruct(timestamp, req.floID, "open-loan", req.index, req.sign, req.pubKey, req.amount);
+                    let txid = await this.writeBankTxData(myPrivKey, data, req.floID, req.amount)
                     let response = {
                         requestID: reqID,
                         rtype: "openLoan",
                         status: "success",
-                        token: ttxid,
-                        txid: btxid
+                        txid: txid
                     }
                     req.status = "completed";
                     compactIDB.writeData("requests", req, reqID);
                     floCloudAPI.sendApplicationData(response, "RESPONSE", {
-                            receiverID: clientID
+                            receiverID: req.floID
                         }).then(result => resolve(result))
                         .catch(error => reject(error))
                 } catch (error) {
-                    if (!error.message.startsWith('R>'))
+                    if (error.message || !error.startsWith('R>'))
                         reject(error)
                     else {
                         let response = {
                             requestID: reqID,
                             rtype: "openLoan",
                             status: "failed",
-                            reason: error.message.substring(2)
+                            reason: error.substring(2)
                         }
                         req.status = `failed (${response.reason})`;
                         compactIDB.writeData("requests", req, reqID);
                         //send rejected response to client
                         floCloudAPI.sendApplicationData(response, "RESPONSE", {
-                                receiverID: clientID
+                                receiverID: req.floID
                             }).then(result => resolve(response))
                             .catch(error => reject(error))
                     }
@@ -10154,20 +10342,17 @@ Bitcoin.Util = {
                     let details = this.getUserDetails(myFloID)
                     let acc = details.accounts[index]
                     if (acc.type !== "loan")
-                        throw Error(`Account#${index} is not loan`)
+                        throw (`Account#${index} is not loan`)
                     if (acc.status !== "active")
-                        throw Error(`Account#${index} is not active`)
-                    let bal = await this.tokenAPI.getBalance(myFloID)
-                    if (bal < acc.netAmt)
-                        throw Error('Insufficiant balance');
+                        throw (`Account#${index} is not active`)
                     //send token to banker floID (using floBlockchain API)
-                    let txid = await floBlockchainAPI.writeData(myFloID, `send ${acc.netAmt} ${floGlobals.token}# for close-loan`, myPrivKey, floGlobals.adminID)
+                    let txid = await this.tokenAPI.sendToken(myPrivKey, acc.netAmt * this.util.delta, "for close-loan");
                     //send request to banker (floCloudAPI)
                     let request = {
                         rtype: "closeLoan",
                         index: index,
                         txid: txid,
-                        sign: floCrypto.signData(this.istr + `close-loan#${index}:${txid}`)
+                        sign: floCrypto.signData(this.util.istr + `close#${index}:loan|${txid}`, myPrivKey)
                     }
                     floCloudAPI.sendApplicationData(request, "REQUEST")
                         .then(result => resolve(result))
@@ -10183,28 +10368,31 @@ Bitcoin.Util = {
                 let req = this.requests[reqID];
                 try {
                     if (req.rtype !== "closeLoan")
-                        throw Error('Invalid request: Request-type is not closeLoan');
+                        throw ('Invalid request: Request-type is not closeLoan');
                     if (req.status !== "pending")
-                        throw Error("Request already processed");
+                        throw ("Request already processed");
                     //verify signature
-                    if (!floCrypto.verifySign(this.istr + `close-loan#${req.index}:${req.txid}`, req.sign, req.pubKey))
-                        throw Error("R>Invalid signature: Re-signing required");
+                    if (!floCrypto.verifySign(this.util.istr + `close#${req.index}:loan|${req.txid}`, req.sign, req.pubKey))
+                        throw ("R>Invalid signature: Re-signing required");
                     //verify token tx
+                    if (!this.accMap[req.floID])
+                        this.accMap[req.floID] = [];
                     if (this.checkTxDuplicate(req.txid, req.floID))
-                        throw Error("R>Invalid deposit: Token transaction already used")
+                        throw ("R>Invalid deposit: Token transaction already used")
                     let tx = await this.tokenAPI.getTx(req.txid);
                     await this.refreshData()
                     let acc = this.getAccount(req.floID, req.index);
                     if (acc.status !== "active")
-                        throw Error("Account already closed");
+                        throw ("Account already closed");
                     if (tx.amount < acc.netAmt)
-                        throw Error("R>Invalid request: Token amount insufficient");
+                        throw ("R>Invalid request: Token amount insufficient");
                     if (!this.tokenAPI.validateToken(tx, req.floID, floGlobals.adminID))
-                        throw Error("R>Invalid request: Invalid token transaction")
+                        throw ("R>Invalid request: Invalid token transaction")
                     let timestamp = this.util.lastUpdate;
+                    let change = tx.amount - acc.netAmt;
                     //close loan via blockchain
-                    let data = ["close-loan", timestamp, req.floID, req.index, req.pubKey, req.sign, req.txid].join('|')
-                    txid = await floBlockchainAPI.writeData(myFloID, this.util.istr + data, myPrivKey, floGlobals.adminID)
+                    let data = this.dataConstruct(timestamp, req.floID, "close-loan", req.index, req.sign, req.pubKey, null, req.txid);
+                    let txid = await this.writeBankTxData(myPrivKey, data, req.floID, change)
                     let response = {
                         requestID: reqID,
                         rtype: "closeLoan",
@@ -10214,24 +10402,24 @@ Bitcoin.Util = {
                     req.status = "completed";
                     compactIDB.writeData("requests", req, reqID);
                     floCloudAPI.sendApplicationData(response, "RESPONSE", {
-                            receiverID: clientID
+                            receiverID: req.floID
                         }).then(result => resolve(result))
                         .catch(error => reject(error))
                 } catch (error) {
-                    if (!error.message.startsWith('R>'))
+                    if (error.message || !error.startsWith('R>'))
                         reject(error)
                     else {
                         let response = {
                             requestID: reqID,
                             rtype: "closeLoan",
                             status: "failed",
-                            reason: error.message.substring(2)
+                            reason: error.substring(2)
                         }
                         req.status = `failed (${response.reason})`;
                         compactIDB.writeData("requests", req, reqID);
                         //send rejected response to client
                         floCloudAPI.sendApplicationData(response, "RESPONSE", {
-                                receiverID: clientID
+                                receiverID: req.floID
                             }).then(result => resolve(response))
                             .catch(error => reject(error))
                     }