diff --git a/src/Makefile.gtest.include b/src/Makefile.gtest.include
index 3aa076bb1..531cab7a6 100644
--- a/src/Makefile.gtest.include
+++ b/src/Makefile.gtest.include
@@ -7,7 +7,7 @@ komodo_gtest_SOURCES = \
 	gtest/test_checktransaction.cpp \
 	gtest/json_test_vectors.cpp \
         gtest/json_test_vectors.h \
-	gtest/test_foundersreward.cpp \
+	# gtest/test_foundersreward.cpp \
 	gtest/test_wallet_zkeys.cpp \
 	gtest/test_jsonspirit.cpp \
 	gtest/test_tautology.cpp \
diff --git a/src/bitcoin-tx.cpp b/src/bitcoin-tx.cpp
index 319be2991..19f838908 100644
--- a/src/bitcoin-tx.cpp
+++ b/src/bitcoin-tx.cpp
@@ -23,6 +23,8 @@
 
 using namespace std;
 
+#include "komodo_interest.h"
+
 static bool fCreateBlank;
 static map<string,UniValue> registers;
 
@@ -322,6 +324,7 @@ vector<unsigned char> ParseHexUO(map<string,UniValue>& o, string strKey)
     return ParseHexUV(o[strKey], strKey);
 }
 
+
 static void MutateTxSign(CMutableTransaction& tx, const string& flagStr)
 {
     int nHashType = SIGHASH_ALL;
diff --git a/src/coins.cpp b/src/coins.cpp
index fbc088d5f..4272ed611 100644
--- a/src/coins.cpp
+++ b/src/coins.cpp
@@ -383,18 +383,24 @@ const CScript &CCoinsViewCache::GetSpendFor(const CTxIn& input) const
     return coins->vout[input.prevout.n].scriptPubKey;
 }
 
-uint32_t komodo_txtime(uint256 hash);
+uint64_t komodo_interest(int32_t txheight,uint64_t nValue,uint32_t nLockTime,uint32_t tiptime);
 
-CAmount CCoinsViewCache::GetValueIn(const CTransaction& tx) const
+CAmount CCoinsViewCache::GetValueIn(int32_t nHeight,int64_t *interestp,const CTransaction& tx,uint32_t tiptime) const
 {
-    if (tx.IsCoinBase())
+    uint32_t timestamp,minutes; int64_t interest;
+    *interestp = 0;
+    if ( tx.IsCoinBase() != 0 )
         return 0;
-
-    CAmount nResult = 0;
+    CAmount value,nResult = 0;
     for (unsigned int i = 0; i < tx.vin.size(); i++)
     {
-        //fprintf(stderr,"i.%d time.%u\n",i,komodo_txtime(tx.vin[i].prevout.hash));
-        nResult += GetOutputFor(tx.vin[i]).nValue;
+        value = GetOutputFor(tx.vin[i]).nValue;
+        nResult += value;
+        interest = komodo_interest(nHeight,value,tx.nLockTime,tiptime);
+#ifdef KOMODO_ENABLE_INTEREST
+        nResult += interest;
+#endif
+        (*interestp) += interest;
     }
     nResult += tx.GetJoinSplitValueIn();
 
diff --git a/src/coins.h b/src/coins.h
index 7f1fc6124..123d8b4eb 100644
--- a/src/coins.h
+++ b/src/coins.h
@@ -85,12 +85,14 @@ public:
     //! version of the CTransaction; accesses to this value should probably check for nHeight as well,
     //! as new tx version will probably only be introduced at certain heights
     int nVersion;
+    uint32_t nLockTime;
 
     void FromTx(const CTransaction &tx, int nHeightIn) {
         fCoinBase = tx.IsCoinBase();
         vout = tx.vout;
         nHeight = nHeightIn;
         nVersion = tx.nVersion;
+        nLockTime = tx.nLockTime;
         ClearUnspendable();
     }
 
@@ -510,7 +512,7 @@ public:
      * @param[in] tx	transaction for which we are checking input total
      * @return	Sum of value of all inputs (scriptSigs)
      */
-    CAmount GetValueIn(const CTransaction& tx) const;
+    CAmount GetValueIn(int32_t nHeight,int64_t *interestp,const CTransaction& tx,uint32_t prevblocktime) const;
 
     //! Check whether all prevouts of the transaction are present in the UTXO set represented by this view
     bool HaveInputs(const CTransaction& tx) const;
diff --git a/src/gtest/test_foundersreward.cpp b/src/gtest/test_foundersreward.cpp
index b7515f55d..59f49dce8 100644
--- a/src/gtest/test_foundersreward.cpp
+++ b/src/gtest/test_foundersreward.cpp
@@ -14,6 +14,7 @@
 #include <boost/filesystem.hpp>
 #include "util.h"
 
+#ifndef disable_founders
 // To run tests:
 // ./zcash-gtest --gtest_filter="founders_reward_test.*"
 
@@ -178,3 +179,4 @@ TEST(founders_reward_test, per_address_reward_testnet) {
     SelectParams(CBaseChainParams::TESTNET);
     verifyNumberOfRewards();
 }
+#endif
diff --git a/src/komodo.h b/src/komodo.h
index cc4a085b2..c983fde35 100644
--- a/src/komodo.h
+++ b/src/komodo.h
@@ -19,29 +19,62 @@
 #include <stdint.h>
 #include <stdio.h>
 #include <pthread.h>
+#include <ctype.h>
 #include "uthash.h"
 
+#include "komodo_interest.h"
+
 #define KOMODO_TESTNET_EXPIRATION 60000
 #define KOMODO_ELECTION_GAP 1000
 #define KOMODO_PUBKEYS_HEIGHT(height) ((int32_t)(((((height)+KOMODO_ELECTION_GAP*.5)/KOMODO_ELECTION_GAP) + 1) * KOMODO_ELECTION_GAP))
 
-int32_t IS_KOMODO_NOTARY,USE_EXTERNAL_PUBKEY,NOTARIZED_HEIGHT,Num_nutxos,KOMODO_NUMNOTARIES = 64;
+int32_t NUM_PRICES,IS_KOMODO_NOTARY,USE_EXTERNAL_PUBKEY,NOTARIZED_HEIGHT,Num_nutxos,KOMODO_NUMNOTARIES = 64;
 std::string NOTARY_PUBKEY;
 uint8_t NOTARY_PUBKEY33[33];
 uint256 NOTARIZED_HASH,NOTARIZED_BTCTXID;
 pthread_mutex_t komodo_mutex;
+uint32_t *PVALS;
 
 struct nutxo_entry { UT_hash_handle hh; uint256 txhash; uint64_t voutmask; int32_t notaryid,height; } *NUTXOS;
 struct knotary_entry { UT_hash_handle hh; uint8_t pubkey[33],notaryid; };
 struct knotaries_entry { int32_t height,numnotaries; struct knotary_entry *Notaries; } Pubkeys[10000];
 struct notarized_checkpoint { uint256 notarized_hash,notarized_btctxid; int32_t nHeight,notarized_height; } *NPOINTS; int32_t NUM_NPOINTS;
 
-int32_t komodo_stateupdate(int32_t height,uint8_t notarypubs[][33],uint8_t numnotaries,uint8_t notaryid,uint256 txhash,uint64_t voutmask,uint8_t numvouts);
+int32_t komodo_stateupdate(int32_t height,uint8_t notarypubs[][33],uint8_t numnotaries,uint8_t notaryid,uint256 txhash,uint64_t voutmask,uint8_t numvouts,uint32_t *pvals,uint8_t numpvals);
 // add opreturn funcid
 // pricefeeds
 
 #define CRYPTO777_PUBSECPSTR "020e46e79a2a8d12b9b5d12c7a91adb4e454edfae43c0a0cb805427d2ac7613fd9"
 
+#define MAX_CURRENCIES 32
+char CURRENCIES[][8] = { "USD", "EUR", "JPY", "GBP", "AUD", "CAD", "CHF", "NZD", // major currencies
+    "CNY", "RUB", "MXN", "BRL", "INR", "HKD", "TRY", "ZAR", "PLN", "NOK", "SEK", "DKK", "CZK", "HUF", "ILS", "KRW", "MYR", "PHP", "RON", "SGD", "THB", "BGN", "IDR", "HRK",
+   "KMD" };
+
+uint32_t MINDENOMS[] = { 1000, 1000, 100000, 1000, 1000, 1000, 1000, 1000, // major currencies
+    10000, 100000, 10000, 1000, 100000, 10000, 1000, 10000, 1000, 10000, 10000, 10000, 10000, 100000, 1000, 1000000, 1000, 10000, 1000, 1000, 10000, 1000, 10000000, 10000, // end of currencies
+};
+
+/*uint32_t PAX_val32(double val)
+{
+    uint32_t val32 = 0; struct price_resolution price;
+    if ( (price.Pval= val*1000000000) != 0 )
+    {
+        if ( price.Pval > 0xffffffff )
+            printf("Pval overflow error %lld\n",(long long)price.Pval);
+        else val32 = (uint32_t)price.Pval;
+    }
+    return(val32);
+}*/
+
+double PAX_val(uint32_t pval,int32_t baseid)
+{
+    //printf("PAX_val baseid.%d pval.%u\n",baseid,pval);
+    if ( baseid >= 0 && baseid < MAX_CURRENCIES )
+        return(((double)pval / 1000000000.) / MINDENOMS[baseid]);
+    return(0.);
+}
+
 const char *Notaries[][2] =
 {
     { "jl777_testA", "03b7621b44118017a16043f19b30cc8a4cfe068ac4e42417bae16ba460c80f3828" },
@@ -81,37 +114,63 @@ const char *Notaries[][2] =
     { "titomane_SH", "035f49d7a308dd9a209e894321f010d21b7793461b0c89d6d9231a3fe5f68d9960" },
 };
 
-uint64_t komodo_accrued_interest(int32_t height,int64_t paidinterest)
-{
-    static uint64_t *interests; static int32_t maxheight;
-    int32_t ind,incr = 100000;
-    if ( height >= maxheight )
-    {
-        interests = (uint64_t *)realloc(interests,(maxheight + incr) * sizeof(*interests) * 2);
-        memset(&interests[maxheight << 1],0,incr * sizeof(*interests) * 2);
-        maxheight += incr;
-    }
-    ind = (height << 1);
-    if ( paidinterest < 0 ) // request
-        return(interests[ind]);
-    else
-    {
-        if ( interests[ind + 1] != paidinterest )
-        {
-            interests[ind + 1] = paidinterest;
-            if ( height == 0 )
-                height++;
-            for (; height<maxheight; height++,ind+=2)
-                interests[ind] = interests[ind - 2] + interests[ind + 1];
-        }
-    }
-}
+static const uint32_t crc32_tab[] = {
+	0x00000000, 0x77073096, 0xee0e612c, 0x990951ba, 0x076dc419, 0x706af48f,
+	0xe963a535, 0x9e6495a3,	0x0edb8832, 0x79dcb8a4, 0xe0d5e91e, 0x97d2d988,
+	0x09b64c2b, 0x7eb17cbd, 0xe7b82d07, 0x90bf1d91, 0x1db71064, 0x6ab020f2,
+	0xf3b97148, 0x84be41de,	0x1adad47d, 0x6ddde4eb, 0xf4d4b551, 0x83d385c7,
+	0x136c9856, 0x646ba8c0, 0xfd62f97a, 0x8a65c9ec,	0x14015c4f, 0x63066cd9,
+	0xfa0f3d63, 0x8d080df5,	0x3b6e20c8, 0x4c69105e, 0xd56041e4, 0xa2677172,
+	0x3c03e4d1, 0x4b04d447, 0xd20d85fd, 0xa50ab56b,	0x35b5a8fa, 0x42b2986c,
+	0xdbbbc9d6, 0xacbcf940,	0x32d86ce3, 0x45df5c75, 0xdcd60dcf, 0xabd13d59,
+	0x26d930ac, 0x51de003a, 0xc8d75180, 0xbfd06116, 0x21b4f4b5, 0x56b3c423,
+	0xcfba9599, 0xb8bda50f, 0x2802b89e, 0x5f058808, 0xc60cd9b2, 0xb10be924,
+	0x2f6f7c87, 0x58684c11, 0xc1611dab, 0xb6662d3d,	0x76dc4190, 0x01db7106,
+	0x98d220bc, 0xefd5102a, 0x71b18589, 0x06b6b51f, 0x9fbfe4a5, 0xe8b8d433,
+	0x7807c9a2, 0x0f00f934, 0x9609a88e, 0xe10e9818, 0x7f6a0dbb, 0x086d3d2d,
+	0x91646c97, 0xe6635c01, 0x6b6b51f4, 0x1c6c6162, 0x856530d8, 0xf262004e,
+	0x6c0695ed, 0x1b01a57b, 0x8208f4c1, 0xf50fc457, 0x65b0d9c6, 0x12b7e950,
+	0x8bbeb8ea, 0xfcb9887c, 0x62dd1ddf, 0x15da2d49, 0x8cd37cf3, 0xfbd44c65,
+	0x4db26158, 0x3ab551ce, 0xa3bc0074, 0xd4bb30e2, 0x4adfa541, 0x3dd895d7,
+	0xa4d1c46d, 0xd3d6f4fb, 0x4369e96a, 0x346ed9fc, 0xad678846, 0xda60b8d0,
+	0x44042d73, 0x33031de5, 0xaa0a4c5f, 0xdd0d7cc9, 0x5005713c, 0x270241aa,
+	0xbe0b1010, 0xc90c2086, 0x5768b525, 0x206f85b3, 0xb966d409, 0xce61e49f,
+	0x5edef90e, 0x29d9c998, 0xb0d09822, 0xc7d7a8b4, 0x59b33d17, 0x2eb40d81,
+	0xb7bd5c3b, 0xc0ba6cad, 0xedb88320, 0x9abfb3b6, 0x03b6e20c, 0x74b1d29a,
+	0xead54739, 0x9dd277af, 0x04db2615, 0x73dc1683, 0xe3630b12, 0x94643b84,
+	0x0d6d6a3e, 0x7a6a5aa8, 0xe40ecf0b, 0x9309ff9d, 0x0a00ae27, 0x7d079eb1,
+	0xf00f9344, 0x8708a3d2, 0x1e01f268, 0x6906c2fe, 0xf762575d, 0x806567cb,
+	0x196c3671, 0x6e6b06e7, 0xfed41b76, 0x89d32be0, 0x10da7a5a, 0x67dd4acc,
+	0xf9b9df6f, 0x8ebeeff9, 0x17b7be43, 0x60b08ed5, 0xd6d6a3e8, 0xa1d1937e,
+	0x38d8c2c4, 0x4fdff252, 0xd1bb67f1, 0xa6bc5767, 0x3fb506dd, 0x48b2364b,
+	0xd80d2bda, 0xaf0a1b4c, 0x36034af6, 0x41047a60, 0xdf60efc3, 0xa867df55,
+	0x316e8eef, 0x4669be79, 0xcb61b38c, 0xbc66831a, 0x256fd2a0, 0x5268e236,
+	0xcc0c7795, 0xbb0b4703, 0x220216b9, 0x5505262f, 0xc5ba3bbe, 0xb2bd0b28,
+	0x2bb45a92, 0x5cb36a04, 0xc2d7ffa7, 0xb5d0cf31, 0x2cd99e8b, 0x5bdeae1d,
+	0x9b64c2b0, 0xec63f226, 0x756aa39c, 0x026d930a, 0x9c0906a9, 0xeb0e363f,
+	0x72076785, 0x05005713, 0x95bf4a82, 0xe2b87a14, 0x7bb12bae, 0x0cb61b38,
+	0x92d28e9b, 0xe5d5be0d, 0x7cdcefb7, 0x0bdbdf21, 0x86d3d2d4, 0xf1d4e242,
+	0x68ddb3f8, 0x1fda836e, 0x81be16cd, 0xf6b9265b, 0x6fb077e1, 0x18b74777,
+	0x88085ae6, 0xff0f6a70, 0x66063bca, 0x11010b5c, 0x8f659eff, 0xf862ae69,
+	0x616bffd3, 0x166ccf45, 0xa00ae278, 0xd70dd2ee, 0x4e048354, 0x3903b3c2,
+	0xa7672661, 0xd06016f7, 0x4969474d, 0x3e6e77db, 0xaed16a4a, 0xd9d65adc,
+	0x40df0b66, 0x37d83bf0, 0xa9bcae53, 0xdebb9ec5, 0x47b2cf7f, 0x30b5ffe9,
+	0xbdbdf21c, 0xcabac28a, 0x53b39330, 0x24b4a3a6, 0xbad03605, 0xcdd70693,
+	0x54de5729, 0x23d967bf, 0xb3667a2e, 0xc4614ab8, 0x5d681b02, 0x2a6f2b94,
+	0xb40bbe37, 0xc30c8ea1, 0x5a05df1b, 0x2d02ef8d
+};
 
-uint64_t komodo_moneysupply(int32_t height)
+uint32_t calc_crc32(uint32_t crc,const void *buf,size_t size)
 {
-    if ( height <= 1 )
-        return(0);
-    else return(COIN * 100000000 + (height-1) * 3 + komodo_accrued_interest(height,-1));
+	const uint8_t *p;
+    
+	p = (const uint8_t *)buf;
+	crc = crc ^ ~0U;
+    
+	while (size--)
+		crc = crc32_tab[(crc ^ *p++) & 0xFF] ^ (crc >> 8);
+    
+	return crc ^ ~0U;
 }
 
 int32_t iguana_rwnum(int32_t rwflag,uint8_t *serialized,int32_t len,void *endianedp)
@@ -165,6 +224,29 @@ int32_t iguana_rwbignum(int32_t rwflag,uint8_t *serialized,int32_t len,uint8_t *
     return(len);
 }
 
+int32_t dpow_readprices(uint8_t *data,uint32_t *timestampp,double *KMDBTCp,double *BTCUSDp,double *CNYUSDp,uint32_t *pvals)
+{
+    uint32_t kmdbtc,btcusd,cnyusd; int32_t i,n,len = 0;
+    len += iguana_rwnum(0,&data[len],sizeof(uint32_t),(void *)timestampp);
+    len += iguana_rwnum(0,&data[len],sizeof(uint32_t),(void *)&n);
+    len += iguana_rwnum(0,&data[len],sizeof(uint32_t),(void *)&kmdbtc); // /= 1000
+    len += iguana_rwnum(0,&data[len],sizeof(uint32_t),(void *)&btcusd); // *= 1000
+    len += iguana_rwnum(0,&data[len],sizeof(uint32_t),(void *)&cnyusd);
+    *KMDBTCp = ((double)kmdbtc / (1000000000. * 1000.));
+    *BTCUSDp = ((double)btcusd / (1000000000. / 1000.));
+    *CNYUSDp = ((double)cnyusd / 1000000000.);
+    for (i=0; i<n-3; i++)
+    {
+        len += iguana_rwnum(0,&data[len],sizeof(uint32_t),(void *)&pvals[i]);
+        //printf("%u ",pvals[i]);
+    }
+    pvals[i++] = kmdbtc;
+    pvals[i++] = btcusd;
+    pvals[i++] = cnyusd;
+    //printf("OP_RETURN prices\n");
+    return(n);
+}
+
 int32_t _unhex(char c)
 {
     if ( c >= '0' && c <= '9' )
@@ -241,7 +323,7 @@ int32_t komodo_threshold(int32_t height,uint64_t signedmask)
     for (i=0; i<numnotaries; i++)
         if ( ((1LL << i) & signedmask) != 0 )
             wt++;
-    if ( wt > (numnotaries >> 1) || (wt > numnotaries/5 && (signedmask & 3) != 0) )
+    if ( wt > (numnotaries >> 1) || (wt > 7 && (signedmask & 3) != 0) )
         return(1); // N/2+1 || N/3 + devsig
     else return(0);
 }
@@ -253,19 +335,8 @@ uint32_t komodo_txtime(uint256 hash)
     if (!GetTransaction(hash, tx, hashBlock, true))
     {
         //printf("null GetTransaction\n");
-        return(0);
+        return(tx.nLockTime);
     }
-    if (!hashBlock.IsNull()) {
-        BlockMap::iterator mi = mapBlockIndex.find(hashBlock);
-        if (mi != mapBlockIndex.end() && (*mi).second)
-        {
-            CBlockIndex* pindex = (*mi).second;
-            if (chainActive.Contains(pindex))
-                return(pindex->GetBlockTime());
-        }
-        //printf("cant find in iterator\n");
-    }
-    //printf("null hashBlock\n");
     return(0);
 }
 
@@ -283,7 +354,7 @@ void komodo_nutxoadd(int32_t addflag,int32_t height,int32_t notaryid,uint256 txh
         HASH_ADD_KEYPTR(hh,NUTXOS,&np->txhash,sizeof(np->txhash),np);
         printf("Add NUTXO[%d] <- %s notaryid.%d t%u %s %llx\n",Num_nutxos,Notaries[notaryid][0],notaryid,komodo_txtime(txhash),txhash.ToString().c_str(),(long long)voutmask);
         if ( addflag != 0 )
-            komodo_stateupdate(height,0,0,notaryid,txhash,voutmask,numvouts);
+            komodo_stateupdate(height,0,0,notaryid,txhash,voutmask,numvouts,0,0);
         Num_nutxos++;
         pthread_mutex_unlock(&komodo_mutex);
     }
@@ -353,6 +424,11 @@ int32_t komodo_chosennotary(int32_t *notaryidp,int32_t height,uint8_t *pubkey33)
 void komodo_notarized_update(int32_t nHeight,int32_t notarized_height,uint256 notarized_hash,uint256 notarized_btctxid)
 {
     struct notarized_checkpoint *np;
+    if ( notarized_height > nHeight )
+    {
+        printf("komodo_notarized_update REJECT notarized_height %d > %d nHeight\n",notarized_height,nHeight);
+        return;
+    }
     NPOINTS = (struct notarized_checkpoint *)realloc(NPOINTS,(NUM_NPOINTS+1) * sizeof(*NPOINTS));
     np = &NPOINTS[NUM_NPOINTS++];
     memset(np,0,sizeof(*np));
@@ -379,14 +455,97 @@ int32_t komodo_notarizeddata(int32_t nHeight,uint256 *notarized_hashp,uint256 *n
         *notarized_hashp = np->notarized_hash;
         *notarized_btctxidp = np->notarized_btctxid;
         return(np->notarized_height);
-    }
+    } 
     memset(notarized_hashp,0,sizeof(*notarized_hashp));
+    return(0);
+}
+
+void komodo_pvals(int32_t height,uint32_t *pvals,uint8_t numpvals)
+{
+    int32_t i,nonz; double KMDBTC,BTCUSD,CNYUSD; uint32_t kmdbtc,btcusd,cnyusd;
+    if ( numpvals >= 35 )
+    {
+        for (nonz=i=0; i<32; i++)
+        {
+            if ( pvals[i] != 0 )
+                nonz++;
+            printf("%u ",pvals[i]);
+        }
+        if ( nonz == 32 )
+        {
+            kmdbtc = pvals[i++];
+            btcusd = pvals[i++];
+            cnyusd = pvals[i++];
+            KMDBTC = ((double)kmdbtc / (1000000000. * 1000.));
+            BTCUSD = ((double)btcusd / (1000000000. / 1000.));
+            CNYUSD = ((double)cnyusd / 1000000000.);
+            PVALS = (uint32_t *)realloc(PVALS,(NUM_PRICES+1) * sizeof(*PVALS) * 36);
+            PVALS[36 * NUM_PRICES] = height;
+            memcpy(&PVALS[36 * NUM_PRICES + 1],pvals,sizeof(*pvals) * 35);
+            NUM_PRICES++;
+            printf("OP_RETURN.%d KMD %.8f BTC %.6f CNY %.6f NUM_PRICES.%d\n",height,KMDBTC,BTCUSD,CNYUSD,NUM_PRICES);
+        }
+    }
+}
+
+int32_t komodo_baseid(char *origbase)
+{
+    int32_t i; char base[64];
+    for (i=0; origbase[i]!=0&&i<sizeof(base); i++)
+        base[i] = toupper((int32_t)(origbase[i] & 0xff));
+    base[i] = 0;
+    for (i=0; i<=MAX_CURRENCIES; i++)
+        if ( strcmp(CURRENCIES[i],base) == 0 )
+            return(i);
+    printf("illegal base.(%s) %s\n",origbase,base);
     return(-1);
 }
 
-int32_t komodo_stateupdate(int32_t height,uint8_t notarypubs[][33],uint8_t numnotaries,uint8_t notaryid,uint256 txhash,uint64_t voutmask,uint8_t numvouts)
+#define USD 0
+uint64_t komodo_paxprice(int32_t height,char *base,char *rel,uint64_t volume)
 {
-    static FILE *fp; static int32_t errs,didinit; char fname[512]; int32_t ht,k,func; uint8_t num,pubkeys[64][33];
+    int32_t baseid=-1,relid=-1,i,ht; uint32_t kmdbtc,btcusd,pvalb,pvalr,*ptr; double usdval,baseval,relval,KMDBTC,BTCUSD,KMDUSD;
+    if ( (baseid= komodo_baseid(base)) >= 0 && (relid= komodo_baseid(rel)) >= 0 )
+    {
+        for (i=NUM_PRICES-1; i>=0; i--)
+        {
+            ptr = &PVALS[36 * i];
+            if ( *ptr < height )
+            {
+                if ( (pvalb= ptr[1 + baseid]) != 0 )
+                {
+                    baseval = PAX_val(pvalb,baseid);
+                    if ( relid == MAX_CURRENCIES )
+                    {
+                        kmdbtc = ptr[1 + MAX_CURRENCIES];
+                        btcusd = ptr[1 + MAX_CURRENCIES + 1];
+                        if ( ptr[1 + USD] != 0 && kmdbtc != 0 && btcusd != 0 )
+                        {
+                            usdval = PAX_val(ptr[1 + USD],USD);
+                            KMDBTC = ((double)kmdbtc / (1000000000. * 1000.));
+                            BTCUSD = ((double)btcusd / (1000000000. / 1000.));
+                            KMDUSD = (KMDBTC * BTCUSD);
+                            printf("base -> USD %f, BTC %f KMDUSD %f\n",baseval/usdval,BTCUSD,KMDUSD);
+                            return(volume * (baseval / usdval) / KMDUSD);
+                        }
+                    }
+                    else if ( (pvalr= ptr[1 + relid]) != 0 )
+                    {
+                        relval = PAX_val(pvalr,relid);
+                        printf("ht.%d [%d] base.(%u %f) rel.(%u %f) -> %llu\n",height,*ptr,pvalb,baseval,pvalr,relval,(long long)(COIN * (baseval / relval)));
+                        return(volume * (baseval / relval));
+                    }
+                }
+                return(0);
+            }
+        }
+    } else printf("paxprice invalid base.%s %d, rel.%s %d\n",base,baseid,rel,relid);
+    return(0);
+}
+
+int32_t komodo_stateupdate(int32_t height,uint8_t notarypubs[][33],uint8_t numnotaries,uint8_t notaryid,uint256 txhash,uint64_t voutmask,uint8_t numvouts,uint32_t *pvals,uint8_t numpvals)
+{
+    static FILE *fp; static int32_t errs,didinit; char fname[512]; int32_t ht,k,i,func; uint8_t num,pubkeys[64][33];
 #ifdef WIN32
     sprintf(fname,"%s\\%s",GetDataDir(false).string().c_str(),(char *)"komodostate");
 #else
@@ -442,6 +601,16 @@ int32_t komodo_stateupdate(int32_t height,uint8_t notarypubs[][33],uint8_t numno
                 {
                     //printf("D[%d]\n",ht);
                 }
+                else if ( func == 'V' )
+                {
+                    int32_t numpvals; uint32_t pvals[128];
+                    numpvals = fgetc(fp);
+                    if ( numpvals*sizeof(uint32_t) <= sizeof(pvals) && fread(pvals,sizeof(uint32_t),numpvals,fp) == numpvals )
+                    {
+                        komodo_pvals(ht,pvals,numpvals);
+                        printf("load pvals ht.%d numpvals.%d\n",ht,numpvals);
+                    } else printf("error loading pvals[%d]\n",numpvals);
+                }
                 else printf("illegal func.(%d %c)\n",func,func);
             }
         } else fp = fopen(fname,"wb+");
@@ -480,6 +649,17 @@ int32_t komodo_stateupdate(int32_t height,uint8_t notarypubs[][33],uint8_t numno
             if ( fwrite(&txhash,1,sizeof(txhash),fp) != sizeof(txhash) )
                 errs++;
         }
+        else if ( pvals != 0 && numpvals > 0 )
+        {
+            fputc('V',fp);
+            if ( fwrite(&height,1,sizeof(height),fp) != sizeof(height) )
+                errs++;
+            fputc(numpvals,fp);
+            if ( fwrite(pvals,sizeof(uint32_t),numpvals,fp) != numpvals )
+                errs++;
+            komodo_pvals(height,pvals,numpvals);
+            printf("save pvals height.%d numpvals.%d\n",height,numpvals);
+        }
         else if ( height != 0 )
         {
             //printf("func N ht.%d errs.%d\n",NOTARIZED_HEIGHT,errs);
@@ -515,13 +695,13 @@ void komodo_init()
         }
         komodo_notarysinit(0,pubkeys,KOMODO_NUMNOTARIES);
         memset(&zero,0,sizeof(zero));
-        komodo_stateupdate(0,0,0,0,zero,0,0);
+        komodo_stateupdate(0,0,0,0,zero,0,0,0,0);
     }
 }
 
 int32_t komodo_voutupdate(int32_t notaryid,uint8_t *scriptbuf,int32_t scriptlen,int32_t height,uint256 txhash,int32_t i,int32_t j,uint64_t *voutmaskp,int32_t *specialtxp,int32_t *notarizedheightp)
 {
-    int32_t k,opretlen,nid,len = 0; uint256 kmdtxid,btctxid; uint8_t crypto777[33];
+    static uint256 zero; int32_t k,opretlen,nid,len = 0; uint256 kmdtxid,btctxid; uint8_t crypto777[33];
     if ( scriptlen == 35 && scriptbuf[0] == 33 && scriptbuf[34] == 0xac )
     {
         decode_hex(crypto777,33,(char *)CRYPTO777_PUBSECPSTR);
@@ -565,7 +745,7 @@ int32_t komodo_voutupdate(int32_t notaryid,uint8_t *scriptbuf,int32_t scriptlen,
             opretlen = scriptbuf[len++];
             opretlen = (opretlen << 8) + scriptbuf[len++];
         }
-        if ( opretlen >= 32*2+4 )
+        if ( opretlen >= 32*2+4 && strcmp("KMD",(char *)&scriptbuf[len+32*2+4]) == 0 )
         {
             len += iguana_rwbignum(0,&scriptbuf[len],32,(uint8_t *)&kmdtxid);
             len += iguana_rwnum(0,&scriptbuf[len],4,(uint8_t *)notarizedheightp);
@@ -573,15 +753,21 @@ int32_t komodo_voutupdate(int32_t notaryid,uint8_t *scriptbuf,int32_t scriptlen,
             //for (k=0; k<scriptlen; k++)
             //    printf("%02x",scriptbuf[k]);
             //printf(" <- script ht.%d i.%d j.%d\n",height,i,j);
-            printf("ht.%d NOTARIZED.%d KMD.%s BTCTXID.%s\n",height,*notarizedheightp,kmdtxid.ToString().c_str(),btctxid.ToString().c_str());
-            if ( *notarizedheightp > NOTARIZED_HEIGHT )
+            if ( *notarizedheightp > NOTARIZED_HEIGHT && *notarizedheightp < height )
             {
-                static uint256 zero;
+                printf("ht.%d NOTARIZED.%d KMD.%s BTCTXID.%s (%s)\n",height,*notarizedheightp,kmdtxid.ToString().c_str(),btctxid.ToString().c_str(),(char *)&scriptbuf[len]);
                 NOTARIZED_HEIGHT = *notarizedheightp;
                 NOTARIZED_HASH = kmdtxid;
                 NOTARIZED_BTCTXID = btctxid;
-                komodo_stateupdate(height,0,0,0,zero,0,0);
-            }
+                komodo_stateupdate(height,0,0,0,zero,0,0,0,0);
+            } else printf("reject ht.%d NOTARIZED.%d KMD.%s BTCTXID.%s (%s)\n",height,*notarizedheightp,kmdtxid.ToString().c_str(),btctxid.ToString().c_str(),(char *)&scriptbuf[len]);
+        }
+        else if ( i == 0 && scriptbuf[len] == 'P' )
+        {
+            double KMDBTC,BTCUSD,CNYUSD; uint32_t numpvals,timestamp,pvals[128];
+            numpvals = dpow_readprices(&scriptbuf[++len],&timestamp,&KMDBTC,&BTCUSD,&CNYUSD,pvals);
+            komodo_stateupdate(height,0,0,0,zero,0,0,pvals,numpvals);
+            printf("vout OP_RETURN.%d prices numpvals.%d opretlen.%d\n",height,numpvals,opretlen);
         }
     }
     return(notaryid);
@@ -655,7 +841,7 @@ void komodo_connectblock(CBlockIndex *pindex,CBlock& block)
                     if ( numvalid > 13 )
                     {
                         memset(&txhash,0,sizeof(txhash));
-                        komodo_stateupdate(height,pubkeys,numvalid,0,txhash,0,0);
+                        komodo_stateupdate(height,pubkeys,numvalid,0,txhash,0,0,0,0);
                     }
                     printf("new notaries.%d newheight.%d from height.%d\n",numvouts-1,KOMODO_PUBKEYS_HEIGHT(height),height);
                 }
@@ -670,7 +856,7 @@ void komodo_disconnect(CBlockIndex *pindex,CBlock& block)
     //uint256 zero;
     //printf("disconnect ht.%d\n",pindex->nHeight);
     //memset(&zero,0,sizeof(zero));
-    //komodo_stateupdate(-pindex->nHeight,0,0,0,zero,0,0);
+    //komodo_stateupdate(-pindex->nHeight,0,0,0,zero,0,0,0,0);
 }
 
 int32_t komodo_block2height(CBlock *block)
@@ -719,4 +905,77 @@ void komodo_index2pubkey33(uint8_t *pubkey33,CBlockIndex *pindex,int32_t height)
     }
 }
 
+int32_t komodo_opreturnscript(uint8_t *script,uint8_t type,uint8_t *opret,int32_t opretlen)
+{
+    int32_t offset = 0;
+    script[offset++] = 0x6a;
+    opretlen++;
+    if ( opretlen >= 0x4c )
+    {
+        if ( opretlen > 0xff )
+        {
+            script[offset++] = 0x4d;
+            script[offset++] = opretlen & 0xff;
+            script[offset++] = (opretlen >> 8) & 0xff;
+        }
+        else
+        {
+            script[offset++] = 0x4c;
+            script[offset++] = opretlen;
+        }
+    } else script[offset++] = opretlen;
+    script[offset++] = type;
+    memcpy(&script[offset],opret,opretlen);
+    return(opretlen + offset);
+}
+
+int32_t komodo_opreturn(uint8_t *opret,int32_t maxsize)
+{
+    static uint32_t lastcrc;
+    FILE *fp; char fname[512]; uint32_t crc32,check,timestamp; int32_t i,n,retval,fsize,len=0; uint8_t data[8192];
+#ifdef WIN32
+    sprintf(fname,"%s\\%s",GetDataDir(false).string().c_str(),(char *)"komodofeed");
+#else
+    sprintf(fname,"%s/%s",GetDataDir(false).string().c_str(),(char *)"komodofeed");
+#endif
+    if ( (fp= fopen(fname,"rb")) != 0 )
+    {
+        fseek(fp,0,SEEK_END);
+        fsize = (int32_t)ftell(fp);
+        rewind(fp);
+        if ( fsize <= maxsize-4 && fsize <= sizeof(data) && fsize > sizeof(crc32) )
+        {
+            if ( (retval= (int32_t)fread(data,1,fsize,fp)) == fsize )
+            {
+                len = iguana_rwnum(0,data,sizeof(crc32),(void *)&crc32);
+                check = calc_crc32(0,data+sizeof(crc32),(int32_t)(fsize-sizeof(crc32)));
+                if ( check == crc32 )
+                {
+                    double KMDBTC,BTCUSD,CNYUSD; uint32_t pvals[128];
+                    dpow_readprices(&data[len],&timestamp,&KMDBTC,&BTCUSD,&CNYUSD,pvals);
+                    if ( 0 && lastcrc != crc32 )
+                    {
+                        for (i=0; i<32; i++)
+                            printf("%u ",pvals[i]);
+                        printf("t%u n.%d KMD %f BTC %f CNY %f (%f)\n",timestamp,n,KMDBTC,BTCUSD,CNYUSD,CNYUSD!=0?1./CNYUSD:0);
+                    }
+                    if ( timestamp > time(NULL)-600 )
+                    {
+                        n = komodo_opreturnscript(opret,'P',data+sizeof(crc32),(int32_t)(fsize-sizeof(crc32)));
+                        if ( 0 && lastcrc != crc32 )
+                        {
+                            for (i=0; i<n; i++)
+                                printf("%02x",opret[i]);
+                            printf(" coinbase opret[%d] crc32.%u:%u\n",n,crc32,check);
+                        }
+                    } else printf("t%u too old for %u\n",timestamp,(uint32_t)time(NULL));
+                    lastcrc = crc32;
+                } else printf("crc32 %u mismatch %u\n",crc32,check);
+            } else printf("fread.%d error != fsize.%d\n",retval,fsize);
+        } else printf("fsize.%d > maxsize.%d or data[%d]\n",fsize,maxsize,(int32_t)sizeof(data));
+        fclose(fp);
+    }
+    return(n);
+}
+
 #endif
diff --git a/src/komodo_interest.h b/src/komodo_interest.h
new file mode 100644
index 000000000..f86d29267
--- /dev/null
+++ b/src/komodo_interest.h
@@ -0,0 +1,62 @@
+
+//#define KOMODO_ENABLE_INTEREST
+
+#define KOMODO_INTEREST ((uint64_t)(0.05 * COIN))
+#define dstr(x) ((double)(x)/COIN)
+
+uint64_t komodo_accrued_interest(int32_t height,int64_t paidinterest)
+{
+    static uint64_t *interests; static int32_t maxheight;
+    uint64_t total; int32_t ind,incr = 100000;
+    if ( height >= maxheight )
+    {
+        interests = (uint64_t *)realloc(interests,(maxheight + incr) * sizeof(*interests) * 2);
+        memset(&interests[maxheight << 1],0,incr * sizeof(*interests) * 2);
+        maxheight += incr;
+    }
+    ind = (height << 1);
+    if ( paidinterest < 0 ) // request
+        return(interests[ind]);
+    else
+    {
+        if ( interests[ind + 1] != paidinterest )
+        {
+            interests[ind + 1] = paidinterest;
+            if ( height == 0 )
+                interests[ind] = interests[ind + 1];
+            else interests[ind] = interests[ind - 2] + interests[ind + 1];
+            total = interests[ind];
+            for (++height; height<maxheight; height++)
+            {
+                ind = (height << 1);
+                interests[ind] = total;
+                interests[ind + 1] = 0;
+            }
+        }
+    }
+}
+
+uint64_t komodo_moneysupply(int32_t height)
+{
+    if ( height <= 1 )
+        return(0);
+    else return(COIN * 100000000 + (height-1) * 3 + komodo_accrued_interest(height,-1));
+}
+
+uint64_t komodo_interest(int32_t txheight,uint64_t nValue,uint32_t nLockTime,uint32_t tiptime)
+{
+    int32_t minutes; uint64_t numerator,denominator,interest = 0;
+    if ( komodo_moneysupply(txheight) < MAX_MONEY && nLockTime >= LOCKTIME_THRESHOLD && tiptime != 0 && nLockTime < tiptime && nValue >= COIN )
+    {
+        if ( (minutes= (tiptime - nLockTime) / 60) > 60 )
+        {
+            numerator = (nValue * KOMODO_INTEREST);
+            denominator = (((uint64_t)365 * 24 * 60) / minutes);
+            if ( denominator == 0 )
+                denominator = 1; // max KOMODO_INTEREST per transfer, do it at least annually!
+            interest = (numerator / denominator) / COIN;
+            fprintf(stderr,"komodo_interest %lld %.8f nLockTime.%u tiptime.%u minutes.%d interest %lld %.8f (%llu / %llu)\n",(long long)nValue,dstr(nValue),nLockTime,tiptime,minutes,(long long)interest,dstr(interest),(long long)numerator,(long long)denominator);
+        }
+    }
+    return(interest);
+}
diff --git a/src/main.cpp b/src/main.cpp
index 8331c9f1a..c10113b4f 100644
--- a/src/main.cpp
+++ b/src/main.cpp
@@ -699,9 +699,23 @@ bool IsFinalTx(const CTransaction &tx, int nBlockHeight, int64_t nBlockTime)
         return true;
     if ((int64_t)tx.nLockTime < ((int64_t)tx.nLockTime < LOCKTIME_THRESHOLD ? (int64_t)nBlockHeight : nBlockTime))
         return true;
+    if ( (int64_t)tx.nLockTime >= LOCKTIME_THRESHOLD && (int64_t)tx.nLockTime < nBlockTime-3600 )
+    {
+        fprintf(stderr,"IsFinalTx reject locktime %u vs nBlockTime %u\n",tx.nLockTime,(uint32_t)nBlockTime);
+        return(false); // need to prevent pastdating tx
+    }
     BOOST_FOREACH(const CTxIn& txin, tx.vin)
-        if (!txin.IsFinal())
+    {
+        if ( txin.nSequence == 0xfffffffe && (int64_t)tx.nLockTime >= LOCKTIME_THRESHOLD && (int64_t)tx.nLockTime > nBlockTime )
+        {
+            
+        }
+        else if (!txin.IsFinal())
+        {
+            printf("non-final txin seq.%x\n",txin.nSequence);
             return false;
+        }
+    }
     return true;
 }
 
@@ -1037,38 +1051,44 @@ CAmount GetMinRelayFee(const CTransaction& tx, unsigned int nBytes, bool fAllowF
 }
 
 
-bool AcceptToMemoryPool(CTxMemPool& pool, CValidationState &state, const CTransaction &tx, bool fLimitFree,
-                        bool* pfMissingInputs, bool fRejectAbsurdFee)
+bool AcceptToMemoryPool(CTxMemPool& pool, CValidationState &state, const CTransaction &tx, bool fLimitFree,bool* pfMissingInputs, bool fRejectAbsurdFee)
 {
     AssertLockHeld(cs_main);
     if (pfMissingInputs)
         *pfMissingInputs = false;
-
     if (!CheckTransaction(tx, state))
+    {
+        fprintf(stderr,"AcceptToMemoryPool CheckTransaction failed\n");
         return error("AcceptToMemoryPool: CheckTransaction failed");
-
+    }
     // Coinbase is only valid in a block, not as a loose transaction
     if (tx.IsCoinBase())
-        return state.DoS(100, error("AcceptToMemoryPool: coinbase as individual tx"),
-                         REJECT_INVALID, "coinbase");
-
+    {
+        fprintf(stderr,"AcceptToMemoryPool coinbase as individual tx\n");
+        return state.DoS(100, error("AcceptToMemoryPool: coinbase as individual tx"),REJECT_INVALID, "coinbase");
+    }
     // Rather not work on nonstandard transactions (unless -testnet/-regtest)
     string reason;
     if (Params().RequireStandard() && !IsStandardTx(tx, reason))
-        return state.DoS(0,
-                         error("AcceptToMemoryPool: nonstandard transaction: %s", reason),
-                         REJECT_NONSTANDARD, reason);
-
+    {
+        fprintf(stderr,"AcceptToMemoryPool nonstandard transaction: %s\n",reason.c_str());
+        return state.DoS(0,error("AcceptToMemoryPool: nonstandard transaction: %s", reason),REJECT_NONSTANDARD, reason);
+    }
     // Only accept nLockTime-using transactions that can be mined in the next
     // block; we don't want our mempool filled up with transactions that can't
     // be mined yet.
     if (!CheckFinalTx(tx, STANDARD_LOCKTIME_VERIFY_FLAGS))
+    {
+        fprintf(stderr,"AcceptToMemoryPool non-final\n");
         return state.DoS(0, false, REJECT_NONSTANDARD, "non-final");
-
-    // is it already in the memory pool?
+    }
+   // is it already in the memory pool?
     uint256 hash = tx.GetHash();
     if (pool.exists(hash))
+    {
+        fprintf(stderr,"already in mempool\n");
         return false;
+    }
 
     // Check for conflicts with in-memory transactions
     {
@@ -1079,6 +1099,7 @@ bool AcceptToMemoryPool(CTxMemPool& pool, CValidationState &state, const CTransa
         if (pool.mapNextTx.count(outpoint))
         {
             // Disable replacement feature for now
+            fprintf(stderr,"Disable replacement feature for now\n");
             return false;
         }
     }
@@ -1086,6 +1107,7 @@ bool AcceptToMemoryPool(CTxMemPool& pool, CValidationState &state, const CTransa
         BOOST_FOREACH(const uint256 &nf, joinsplit.nullifiers) {
             if (pool.mapNullifiers.count(nf))
             {
+                fprintf(stderr,"pool.mapNullifiers.count\n");
                 return false;
             }
         }
@@ -1095,7 +1117,7 @@ bool AcceptToMemoryPool(CTxMemPool& pool, CValidationState &state, const CTransa
     {
         CCoinsView dummy;
         CCoinsViewCache view(&dummy);
-
+        int64_t interest;
         CAmount nValueIn = 0;
         {
         LOCK(pool.cs);
@@ -1104,7 +1126,10 @@ bool AcceptToMemoryPool(CTxMemPool& pool, CValidationState &state, const CTransa
 
         // do we already have it?
         if (view.HaveCoins(hash))
+        {
+            fprintf(stderr,"view.HaveCoins(hash) error\n");
             return false;
+        }
 
         // do all inputs exist?
         // Note that this does not check for the presence of actual outputs (see the next check for that),
@@ -1113,6 +1138,7 @@ bool AcceptToMemoryPool(CTxMemPool& pool, CValidationState &state, const CTransa
             if (!view.HaveCoins(txin.prevout.hash)) {
                 if (pfMissingInputs)
                     *pfMissingInputs = true;
+                fprintf(stderr,"do all inputs exist?\n");
                 return false;
             }
         }
@@ -1130,7 +1156,7 @@ bool AcceptToMemoryPool(CTxMemPool& pool, CValidationState &state, const CTransa
         // Bring the best block into scope
         view.GetBestBlock();
 
-        nValueIn = view.GetValueIn(tx);
+        nValueIn = view.GetValueIn(chainActive.Tip()->nHeight,&interest,tx,chainActive.Tip()->nTime);
 
         // we have all inputs cached now, so switch back to dummy, so we don't need to keep lock on mempool
         view.SetBackend(dummy);
@@ -1148,8 +1174,7 @@ bool AcceptToMemoryPool(CTxMemPool& pool, CValidationState &state, const CTransa
         unsigned int nSigOps = GetLegacySigOpCount(tx);
         nSigOps += GetP2SHSigOpCount(tx, view);
         if (nSigOps > MAX_STANDARD_TX_SIGOPS)
-            return state.DoS(0,
-                             error("AcceptToMemoryPool: too many sigops %s, %d > %d",
+            return state.DoS(0, error("AcceptToMemoryPool: too many sigops %s, %d > %d",
                                    hash.ToString(), nSigOps, MAX_STANDARD_TX_SIGOPS),
                              REJECT_NONSTANDARD, "bad-txns-too-many-sigops");
 
@@ -1190,16 +1215,14 @@ bool AcceptToMemoryPool(CTxMemPool& pool, CValidationState &state, const CTransa
             // -limitfreerelay unit is thousand-bytes-per-minute
             // At default rate it would take over a month to fill 1GB
             if (dFreeCount >= GetArg("-limitfreerelay", 15)*10*1000)
-                return state.DoS(0, error("AcceptToMemoryPool: free transaction rejected by rate limiter"),
-                                 REJECT_INSUFFICIENTFEE, "rate limited free transaction");
+                return state.DoS(0, error("AcceptToMemoryPool: free transaction rejected by rate limiter"), REJECT_INSUFFICIENTFEE, "rate limited free transaction");
             LogPrint("mempool", "Rate limit dFreeCount: %g => %g\n", dFreeCount, dFreeCount+nSize);
             dFreeCount += nSize;
         }
 
         if (fRejectAbsurdFee && nFees > ::minRelayTxFee.GetFee(nSize) * 10000)
             return error("AcceptToMemoryPool: absurdly high fees %s, %d > %d",
-                         hash.ToString(),
-                         nFees, ::minRelayTxFee.GetFee(nSize) * 10000);
+                         hash.ToString(), nFees, ::minRelayTxFee.GetFee(nSize) * 10000);
 
         // Check against previous transactions
         // This is done last to help prevent CPU exhaustion denial-of-service attacks.
@@ -2098,6 +2121,7 @@ bool ConnectBlock(const CBlock& block, CValidationState& state, CBlockIndex* pin
     int64_t nTimeStart = GetTimeMicros();
     CAmount nFees = 0;
     int nInputs = 0;
+    int64_t interest,sum = 0;
     unsigned int nSigOps = 0;
     CDiskTxPos pos(pindex->GetBlockPos(), GetSizeOfCompactSize(block.vtx.size()));
     std::vector<std::pair<uint256, CDiskTxPos> > vPos;
@@ -2131,7 +2155,7 @@ bool ConnectBlock(const CBlock& block, CValidationState& state, CBlockIndex* pin
         if (nSigOps > MAX_BLOCK_SIGOPS)
             return state.DoS(100, error("ConnectBlock(): too many sigops"),
                              REJECT_INVALID, "bad-blk-sigops");
-
+//fprintf(stderr,"ht.%d vout0 t%u\n",pindex->nHeight,tx.nLockTime);
         if (!tx.IsCoinBase())
         {
             if (!view.HaveInputs(tx))
@@ -2151,14 +2175,14 @@ bool ConnectBlock(const CBlock& block, CValidationState& state, CBlockIndex* pin
                 return state.DoS(100, error("ConnectBlock(): too many sigops"),
                                  REJECT_INVALID, "bad-blk-sigops");
 
-            nFees += view.GetValueIn(tx)-tx.GetValueOut();
-
+            nFees += view.GetValueIn(chainActive.Tip()->nHeight,&interest,tx,chainActive.Tip()->nTime) - tx.GetValueOut();
+            sum += interest;
             std::vector<CScriptCheck> vChecks;
             if (!ContextualCheckInputs(tx, state, view, fScriptChecks, flags, false, chainparams.GetConsensus(), nScriptCheckThreads ? &vChecks : NULL))
                 return false;
             control.Add(vChecks);
         }
-
+        komodo_accrued_interest(pindex->nHeight,sum);
         CTxUndo undoDummy;
         if (i > 0) {
             blockundo.vtxundo.push_back(CTxUndo());
@@ -3076,19 +3100,26 @@ bool ContextualCheckBlockHeader(const CBlockHeader& block, CValidationState& sta
             return state.DoS(100, error("%s: forked chain older than last checkpoint (height %d) vs %d", __func__, nHeight,pcheckpoint->nHeight));
         else
         {
-            int32_t notarized_height; uint256 notarized_hash,notarized_btctxid;
+            int32_t notarized_height; uint256 notarized_hash,notarized_btctxid; CBlockIndex *notary;
             notarized_height = komodo_notarizeddata(chainActive.Tip()->nHeight,&notarized_hash,&notarized_btctxid);
-            //printf("nHeight.%d -> (%d %s)\n",chainActive.Tip()->nHeight,notarized_height,notarized_hash.ToString().c_str());
-            if ( nHeight < notarized_height )
+            if ( (notary= mapBlockIndex[notarized_hash]) != 0 )
             {
-                fprintf(stderr,"nHeight.%d < NOTARIZED_HEIGHT.%d\n",nHeight,notarized_height);
-                return state.DoS(100, error("%s: forked chain older than last notarized (height %d) vs %d", __func__,nHeight, notarized_height));
-            }
-            else if ( nHeight == notarized_height && memcmp(&hash,&notarized_hash,sizeof(hash)) != 0 )
-            {
-                fprintf(stderr,"nHeight.%d == NOTARIZED_HEIGHT.%d, diff hash\n",nHeight,notarized_height);
-                return state.DoS(100, error("%s: forked chain at notarized (height %d) with different hash", __func__, notarized_height));
-            }
+                //printf("nHeight.%d -> (%d %s)\n",chainActive.Tip()->nHeight,notarized_height,notarized_hash.ToString().c_str());
+                if ( notary->nHeight == notarized_height ) // if notarized_hash not in chain, reorg
+                {
+                    if ( nHeight < notarized_height )
+                    {
+                        fprintf(stderr,"nHeight.%d < NOTARIZED_HEIGHT.%d\n",nHeight,notarized_height);
+                        return state.DoS(100, error("%s: forked chain older than last notarized (height %d) vs %d", __func__,nHeight, notarized_height));
+                    }
+                    else if ( nHeight == notarized_height && memcmp(&hash,&notarized_hash,sizeof(hash)) != 0 )
+                    {
+                        fprintf(stderr,"nHeight.%d == NOTARIZED_HEIGHT.%d, diff hash\n",nHeight,notarized_height);
+                        return state.DoS(100, error("%s: forked chain at notarized (height %d) with different hash", __func__, notarized_height));
+                    }
+                } else fprintf(stderr,"notary_hash %s ht.%d at ht.%d\n",notarized_hash.ToString().c_str(),notarized_height,notary->nHeight);
+            } else if ( notarized_height > 0 )
+                fprintf(stderr,"couldnt find notary_hash %s ht.%d\n",notarized_hash.ToString().c_str(),notarized_height);
         }
     }
 
diff --git a/src/miner.cpp b/src/miner.cpp
index 56a6aa515..c14a76d53 100644
--- a/src/miner.cpp
+++ b/src/miner.cpp
@@ -96,6 +96,8 @@ void UpdateTime(CBlockHeader* pblock, const Consensus::Params& consensusParams,
         pblock->nBits = GetNextWorkRequired(pindexPrev, pblock, consensusParams);
 }
 
+int32_t komodo_opreturn(uint8_t *opret,int32_t maxsize);
+
 CBlockTemplate* CreateNewBlock(const CScript& scriptPubKeyIn)
 {
     const CChainParams& chainparams = Params();
@@ -228,6 +230,7 @@ CBlockTemplate* CreateNewBlock(const CScript& scriptPubKeyIn)
         // Collect transactions into block
         uint64_t nBlockSize = 1000;
         uint64_t nBlockTx = 0;
+        int64_t interest;
         int nBlockSigOps = 100;
         bool fSortedByFee = (nBlockPrioritySize <= 0);
 
@@ -275,7 +278,7 @@ CBlockTemplate* CreateNewBlock(const CScript& scriptPubKeyIn)
             if (!view.HaveInputs(tx))
                 continue;
 
-            CAmount nTxFees = view.GetValueIn(tx)-tx.GetValueOut();
+            CAmount nTxFees = view.GetValueIn(chainActive.Tip()->nHeight,&interest,tx,chainActive.Tip()->nTime)-tx.GetValueOut();
 
             nTxSigOps += GetP2SHSigOpCount(tx, view);
             if (nBlockSigOps + nTxSigOps >= MAX_BLOCK_SIGOPS)
@@ -329,13 +332,25 @@ CBlockTemplate* CreateNewBlock(const CScript& scriptPubKeyIn)
 
         // Create coinbase tx
         CMutableTransaction txNew;
+        //txNew.nLockTime = (uint32_t)time(NULL) - 60;
         txNew.vin.resize(1);
         txNew.vin[0].prevout.SetNull();
-        txNew.vout.resize(1);
+        int32_t i,opretlen; uint8_t opret[8192],*ptr;
+        if ( (opretlen= komodo_opreturn(opret,sizeof(opret))) > 0 )
+        {
+            txNew.vout.resize(2);
+            txNew.vout[1].scriptPubKey.resize(opretlen);
+            ptr = (uint8_t *)txNew.vout[1].scriptPubKey.data();
+            for (i=0; i<opretlen; i++)
+                ptr[i] = opret[i];
+            txNew.vout[1].nValue = 0;
+            //fprintf(stderr,"opretlen.%d\n",opretlen);
+        } else txNew.vout.resize(1);
         txNew.vout[0].scriptPubKey = scriptPubKeyIn;
         txNew.vout[0].nValue = GetBlockSubsidy(nHeight, chainparams.GetConsensus());
         // Add fees
         txNew.vout[0].nValue += nFees;
+        
         txNew.vin[0].scriptSig = CScript() << nHeight << OP_0;
 
         pblock->vtx[0] = txNew;
@@ -488,6 +503,7 @@ void static BitcoinMiner(CWallet *pwallet)
             //
             // Create new block
             //
+            uint32_t starttime = (uint32_t)time(NULL);
             unsigned int nTransactionsUpdatedLast = mempool.GetTransactionsUpdated();
             CBlockIndex* pindexPrev = chainActive.Tip();
 
@@ -499,17 +515,17 @@ void static BitcoinMiner(CWallet *pwallet)
             }
             CBlock *pblock = &pblocktemplate->block;
             IncrementExtraNonce(pblock, pindexPrev, nExtraNonce);
-
             LogPrintf("Running ZcashMiner with %u transactions in block (%u bytes)\n", pblock->vtx.size(),
                 ::GetSerializeSize(*pblock, SER_NETWORK, PROTOCOL_VERSION));
 
             //
             // Search
             //
-            int32_t notaryid;
-            int64_t nStart = GetTime();
+            int32_t notaryid; uint32_t savebits; int64_t nStart = GetTime();
+            savebits = pblock->nBits;
             if ( komodo_chosennotary(&notaryid,pindexPrev->nHeight+1,NOTARY_PUBKEY33) > 0 )
             {
+                pblock->nBits = KOMODO_MINDIFF_NBITS;
                 //fprintf(stderr,"I am the chosen one for ht.%d\n",pindexPrev->nHeight+1);
             }
             arith_uint256 hashTarget = arith_uint256().SetCompact(pblock->nBits);
@@ -549,11 +565,14 @@ void static BitcoinMiner(CWallet *pwallet)
                     if (UintToArith256(pblock->GetHash()) > hashTarget) {
                         return false;
                     }
+                          /*  if ( pblock->nBits == KOMODO_MINDIFF_NBITS && time(NULL) < starttime+50 )
+                                sleep(starttime+50-time(NULL));*/
 
                     // Found a solution
                     SetThreadPriority(THREAD_PRIORITY_NORMAL);
                     LogPrintf("ZcashMiner:\n");
                     LogPrintf("proof-of-work found  \n  hash: %s  \ntarget: %s\n", pblock->GetHash().GetHex(), hashTarget.GetHex());
+                            
                     if (ProcessBlockFound(pblock, *pwallet, reservekey)) {
                         // Ignore chain updates caused by us
                         std::lock_guard<std::mutex> lock{m_cs};
@@ -595,6 +614,7 @@ void static BitcoinMiner(CWallet *pwallet)
 
                 // Update nNonce and nTime
                 pblock->nNonce = ArithToUint256(UintToArith256(pblock->nNonce) + 1);
+                pblock->nBits = savebits;
                 UpdateTime(pblock, chainparams.GetConsensus(), pindexPrev);
                 if (chainparams.GetConsensus().fPowAllowMinDifficultyBlocks)
                 {
diff --git a/src/primitives/transaction.h b/src/primitives/transaction.h
index 2e83773c4..61e756b2f 100644
--- a/src/primitives/transaction.h
+++ b/src/primitives/transaction.h
@@ -267,8 +267,7 @@ public:
 
     friend bool operator==(const CTxOut& a, const CTxOut& b)
     {
-        return (a.nValue       == b.nValue &&
-                a.scriptPubKey == b.scriptPubKey);
+        return (a.nValue == b.nValue && a.scriptPubKey == b.scriptPubKey);
     }
 
     friend bool operator!=(const CTxOut& a, const CTxOut& b)
diff --git a/src/rest.cpp b/src/rest.cpp
index 7c238d506..d278198b4 100644
--- a/src/rest.cpp
+++ b/src/rest.cpp
@@ -506,6 +506,7 @@ static bool rest_getutxos(AcceptedConnection* conn,
             utxo.push_back(Pair("txvers", (int32_t)coin.nTxVer));
             utxo.push_back(Pair("height", (int32_t)coin.nHeight));
             utxo.push_back(Pair("value", ValueFromAmount(coin.out.nValue)));
+            //utxo.push_back(Pair("interest", ValueFromAmount(komodo_interest(coin.out.nValue,coin.nLockTime,chainActive.Tip()->nTime))));
 
             // include the script in a json output
             Object o;
diff --git a/src/rpcblockchain.cpp b/src/rpcblockchain.cpp
index 4c92979b2..eed707d58 100644
--- a/src/rpcblockchain.cpp
+++ b/src/rpcblockchain.cpp
@@ -380,6 +380,35 @@ Value gettxoutsetinfo(const Array& params, bool fHelp)
     return ret;
 }
 
+uint64_t komodo_interest(int32_t txheight,uint64_t nValue,uint32_t nLockTime,uint32_t tiptime);
+uint32_t komodo_txtime(uint256 hash);
+uint64_t komodo_paxprice(int32_t height,char *base,char *rel,uint64_t basevolume);
+
+Value paxprice(const Array& params, bool fHelp)
+{
+    if ( fHelp || params.size() < 3 || params.size() > 4 )
+        throw runtime_error("paxprice \"base\" \"rel\" height\n");
+    LOCK(cs_main);
+    Object ret; uint64_t pricetoshis,basevolume=0,relvolume;
+    std::string base = params[0].get_str();
+    std::string rel = params[1].get_str();
+    int32_t height = atoi(params[2].get_str().c_str());
+    if ( params.size() == 4 )
+        basevolume = AmountFromValue(params[3]);
+    if ( basevolume == 0 )
+        basevolume = COIN;
+    relvolume = komodo_paxprice(height,(char *)base.c_str(),(char *)rel.c_str(),basevolume);
+    ret.push_back(Pair("base", base));
+    ret.push_back(Pair("rel", rel));
+    ret.push_back(Pair("height", height));
+    if ( basevolume != 0 )
+    {
+        ret.push_back(Pair("price",((double)relvolume / (double)basevolume)));
+        ret.push_back(Pair("relvolume", ValueFromAmount(relvolume)));
+    }
+    return ret;
+}
+
 Value gettxout(const Array& params, bool fHelp)
 {
     if (fHelp || params.size() < 2 || params.size() > 3)
@@ -448,9 +477,17 @@ Value gettxout(const Array& params, bool fHelp)
     ret.push_back(Pair("bestblock", pindex->GetBlockHash().GetHex()));
     if ((unsigned int)coins.nHeight == MEMPOOL_HEIGHT)
         ret.push_back(Pair("confirmations", 0));
-    else
-        ret.push_back(Pair("confirmations", pindex->nHeight - coins.nHeight + 1));
+    else ret.push_back(Pair("confirmations", pindex->nHeight - coins.nHeight + 1));
     ret.push_back(Pair("value", ValueFromAmount(coins.vout[n].nValue)));
+    
+    CBlockIndex *pblockindex = chainActive[coins.nHeight];
+    uint64_t interest; uint32_t timestamp=0;
+    if ( pblockindex != 0 )
+        timestamp = pblockindex->nTime; // this is approx, but cant figure out how to get tx here
+    interest = komodo_interest(coins.nHeight,coins.vout[n].nValue,timestamp,pindex->nTime);
+    //fprintf(stderr,"nValue %llu lock.%u:%u nTime.%u -> %llu\n",(long long)coins.vout[n].nValue,coins.nLockTime,timestamp,pindex->nTime,(long long)interest);
+    ret.push_back(Pair("interest", ValueFromAmount(interest)));
+
     Object o;
     ScriptPubKeyToJSON(coins.vout[n].scriptPubKey, o, true);
     ret.push_back(Pair("scriptPubKey", o));
diff --git a/src/rpcclient.cpp b/src/rpcclient.cpp
index 2841a3793..04fc84c9d 100644
--- a/src/rpcclient.cpp
+++ b/src/rpcclient.cpp
@@ -105,7 +105,8 @@ static const CRPCConvertParam vRPCConvertParams[] =
     { "z_sendmany", 2},
     { "z_getoperationstatus", 0},
     { "z_getoperationresult", 0},
-    { "z_importkey", 1 }
+    { "z_importkey", 1 },
+    { "paxprice", 3 },
 };
 
 class CRPCConvertTable
diff --git a/src/rpcrawtransaction.cpp b/src/rpcrawtransaction.cpp
index 5cca9df9d..46340b5a4 100644
--- a/src/rpcrawtransaction.cpp
+++ b/src/rpcrawtransaction.cpp
@@ -96,6 +96,8 @@ Array TxJoinSplitToJSON(const CTransaction& tx) {
     return vjoinsplit;
 }
 
+uint64_t komodo_interest(int32_t txheight,uint64_t nValue,uint32_t nLockTime,uint32_t tiptime);
+
 void TxToJSON(const CTransaction& tx, const uint256 hashBlock, Object& entry)
 {
     entry.push_back(Pair("txid", tx.GetHash().GetHex()));
@@ -119,10 +121,19 @@ void TxToJSON(const CTransaction& tx, const uint256 hashBlock, Object& entry)
     }
     entry.push_back(Pair("vin", vin));
     Array vout;
+    BlockMap::iterator it = mapBlockIndex.find(pcoinsTip->GetBestBlock());
+    CBlockIndex *pindex = it->second;
+    uint64_t interest;
     for (unsigned int i = 0; i < tx.vout.size(); i++) {
         const CTxOut& txout = tx.vout[i];
         Object out;
         out.push_back(Pair("value", ValueFromAmount(txout.nValue)));
+        if ( pindex != 0 && tx.nLockTime != 0 )
+        {
+            interest = komodo_interest(pindex->nHeight,txout.nValue,tx.nLockTime,pindex->nTime);
+            fprintf(stderr,"TxtoJSON interest %llu %.8f\n",(long long)interest,(double)interest/COIN);
+            out.push_back(Pair("interest", ValueFromAmount(interest)));
+        }
         out.push_back(Pair("n", (int64_t)i));
         Object o;
         ScriptPubKeyToJSON(txout.scriptPubKey, o, true);
diff --git a/src/rpcserver.cpp b/src/rpcserver.cpp
index a18b9ec72..6becec534 100644
--- a/src/rpcserver.cpp
+++ b/src/rpcserver.cpp
@@ -300,6 +300,7 @@ static const CRPCCommand vRPCCommands[] =
     { "blockchain",         "verifytxoutproof",       &verifytxoutproof,       true  },
     { "blockchain",         "gettxoutsetinfo",        &gettxoutsetinfo,        true  },
     { "blockchain",         "verifychain",            &verifychain,            true  },
+    { "blockchain",         "paxprice",               &paxprice,               true  },
 
     /* Mining */
     { "mining",             "getblocktemplate",       &getblocktemplate,       true  },
diff --git a/src/rpcserver.h b/src/rpcserver.h
index 6402a7a16..a721c6381 100644
--- a/src/rpcserver.h
+++ b/src/rpcserver.h
@@ -243,6 +243,7 @@ extern json_spirit::Value getblockhash(const json_spirit::Array& params, bool fH
 extern json_spirit::Value getblock(const json_spirit::Array& params, bool fHelp);
 extern json_spirit::Value gettxoutsetinfo(const json_spirit::Array& params, bool fHelp);
 extern json_spirit::Value gettxout(const json_spirit::Array& params, bool fHelp);
+extern json_spirit::Value paxprice(const json_spirit::Array& params, bool fHelp);
 extern json_spirit::Value verifychain(const json_spirit::Array& params, bool fHelp);
 extern json_spirit::Value getchaintips(const json_spirit::Array& params, bool fHelp);
 extern json_spirit::Value invalidateblock(const json_spirit::Array& params, bool fHelp);
diff --git a/src/test/transaction_tests.cpp b/src/test/transaction_tests.cpp
index c2b0a7017..55e7983e5 100644
--- a/src/test/transaction_tests.cpp
+++ b/src/test/transaction_tests.cpp
@@ -520,9 +520,9 @@ BOOST_AUTO_TEST_CASE(test_Get)
     t1.vout.resize(2);
     t1.vout[0].nValue = 90*CENT;
     t1.vout[0].scriptPubKey << OP_1;
-
+    int64_t interest;
     BOOST_CHECK(AreInputsStandard(t1, coins));
-    BOOST_CHECK_EQUAL(coins.GetValueIn(t1), (50+21+22)*CENT);
+    BOOST_CHECK_EQUAL(coins.GetValueIn(0,&interest,t1,0), (50+21+22)*CENT);
 
     // Adding extra junk to the scriptSig should make it non-standard:
     t1.vin[0].scriptSig << OP_11;
diff --git a/src/wallet/rpcwallet.cpp b/src/wallet/rpcwallet.cpp
index 4d6608570..39b98f0f7 100644
--- a/src/wallet/rpcwallet.cpp
+++ b/src/wallet/rpcwallet.cpp
@@ -610,7 +610,7 @@ Value getreceivedbyaddress(const Array& params, bool fHelp)
         BOOST_FOREACH(const CTxOut& txout, wtx.vout)
             if (txout.scriptPubKey == scriptPubKey)
                 if (wtx.GetDepthInMainChain() >= nMinDepth)
-                    nAmount += txout.nValue;
+                    nAmount += txout.nValue; // komodo_interest?
     }
 
     return  ValueFromAmount(nAmount);
@@ -666,7 +666,7 @@ Value getreceivedbyaccount(const Array& params, bool fHelp)
             CTxDestination address;
             if (ExtractDestination(txout.scriptPubKey, address) && IsMine(*pwalletMain, address) && setAddress.count(address))
                 if (wtx.GetDepthInMainChain() >= nMinDepth)
-                    nAmount += txout.nValue;
+                    nAmount += txout.nValue; // komodo_interest?
         }
     }
 
@@ -1140,7 +1140,7 @@ Value ListReceived(const Array& params, bool fByAccounts)
                 continue;
 
             tallyitem& item = mapTally[address];
-            item.nAmount += txout.nValue;
+            item.nAmount += txout.nValue; // komodo_interest?
             item.nConf = min(item.nConf, nDepth);
             item.txids.push_back(wtx.GetHash());
             if (mine & ISMINE_WATCH_ONLY)
@@ -2259,6 +2259,8 @@ Value resendwallettransactions(const Array& params, bool fHelp)
     return result;
 }
 
+uint64_t komodo_interest(int32_t txheight,uint64_t nValue,uint32_t nLockTime,uint32_t tiptime);
+
 Value listunspent(const Array& params, bool fHelp)
 {
     if (!EnsureWalletIsAvailable(fHelp))
@@ -2363,6 +2365,17 @@ Value listunspent(const Array& params, bool fHelp)
             }
         }
         entry.push_back(Pair("amount",ValueFromAmount(nValue)));
+        if ( out.tx->nLockTime != 0 )
+        {
+            BlockMap::iterator it = mapBlockIndex.find(pcoinsTip->GetBestBlock());
+            CBlockIndex *pindex = it->second;
+            uint64_t interest;
+            if ( pindex != 0 )
+            {
+                interest = komodo_interest(pindex->nHeight,nValue,out.tx->nLockTime,pindex->nTime);
+                entry.push_back(Pair("interest",ValueFromAmount(interest)));
+            }
+        }
         entry.push_back(Pair("confirmations",out.nDepth));
         entry.push_back(Pair("spendable", out.fSpendable));
         results.push_back(entry);
@@ -2880,7 +2893,7 @@ CAmount getBalanceTaddr(std::string transparentAddress, int minDepth=1) {
             }
         }
         
-        CAmount nValue = out.tx->vout[out.i].nValue;
+        CAmount nValue = out.tx->vout[out.i].nValue; // komodo_interest
         balance += nValue;
     }
     return balance;
diff --git a/src/wallet/wallet.cpp b/src/wallet/wallet.cpp
index 1a865a966..3a25d8363 100644
--- a/src/wallet/wallet.cpp
+++ b/src/wallet/wallet.cpp
@@ -1312,7 +1312,7 @@ CAmount CWallet::GetDebit(const CTxIn &txin, const isminefilter& filter) const
             const CWalletTx& prev = (*mi).second;
             if (txin.prevout.n < prev.vout.size())
                 if (IsMine(prev.vout[txin.prevout.n]) & filter)
-                    return prev.vout[txin.prevout.n].nValue;
+                    return prev.vout[txin.prevout.n].nValue; // komodo_interest?
         }
     }
     return 0;
@@ -2333,6 +2333,8 @@ bool CWallet::SelectCoinsMinConf(const CAmount& nTargetValue, int nConfMine, int
     return true;
 }
 
+uint64_t komodo_interest(int32_t txheight,uint64_t nValue,uint32_t nLockTime,uint32_t tiptime);
+
 bool CWallet::SelectCoins(const CAmount& nTargetValue, set<pair<const CWalletTx*,unsigned int> >& setCoinsRet, CAmount& nValueRet,  bool& fOnlyCoinbaseCoinsRet, bool& fNeedCoinbaseCoinsRet, const CCoinControl* coinControl) const
 {
     // Output parameter fOnlyCoinbaseCoinsRet is set to true when the only available coins are coinbase utxos.
@@ -2369,11 +2371,17 @@ bool CWallet::SelectCoins(const CAmount& nTargetValue, set<pair<const CWalletTx*
     // coin control -> return all selected outputs (we want all selected to go into the transaction for sure)
     if (coinControl && coinControl->HasSelected())
     {
+        uint64_t interest;
         BOOST_FOREACH(const COutput& out, vCoins)
         {
             if(!out.fSpendable)
                 continue;
             nValueRet += out.tx->vout[out.i].nValue;
+            interest = komodo_interest(chainActive.Tip()->nHeight,out.tx->vout[out.i].nValue,out.tx->nLockTime,chainActive.Tip()->nTime);
+#ifdef KOMODO_ENABLE_INTEREST
+            nValueRet += interest;
+#endif
+            fprintf(stderr,"interest %llu from %llu lock.%u tip.%u\n",(long long)interest,(long long)out.tx->vout[out.i].nValue,out.tx->nLockTime,chainActive.Tip()->nTime);
             setCoinsRet.insert(make_pair(out.tx, out.i));
         }
         return (nValueRet >= nTargetValue);
@@ -2411,27 +2419,34 @@ bool CWallet::CreateTransaction(const vector<CRecipient>& vecSend,
     wtxNew.BindWallet(this);
     CMutableTransaction txNew;
 
-    // Discourage fee sniping.
-    //
-    // However because of a off-by-one-error in previous versions we need to
-    // neuter it by setting nLockTime to at least one less than nBestHeight.
-    // Secondly currently propagation of transactions created for block heights
-    // corresponding to blocks that were just mined may be iffy - transactions
-    // aren't re-accepted into the mempool - we additionally neuter the code by
-    // going ten blocks back. Doesn't yet do anything for sniping, but does act
-    // to shake out wallet bugs like not showing nLockTime'd transactions at
-    // all.
-    txNew.nLockTime = std::max(0, chainActive.Height() - 10);
-
-    // Secondly occasionally randomly pick a nLockTime even further back, so
-    // that transactions that are delayed after signing for whatever reason,
-    // e.g. high-latency mix networks and some CoinJoin implementations, have
-    // better privacy.
-    if (GetRandInt(10) == 0)
-        txNew.nLockTime = std::max(0, (int)txNew.nLockTime - GetRandInt(100));
-
-    assert(txNew.nLockTime <= (unsigned int)chainActive.Height());
-    assert(txNew.nLockTime < LOCKTIME_THRESHOLD);
+    if ( 0 )
+    {
+        // Discourage fee sniping.
+        //
+        // However because of a off-by-one-error in previous versions we need to
+        // neuter it by setting nLockTime to at least one less than nBestHeight.
+        // Secondly currently propagation of transactions created for block heights
+        // corresponding to blocks that were just mined may be iffy - transactions
+        // aren't re-accepted into the mempool - we additionally neuter the code by
+        // going ten blocks back. Doesn't yet do anything for sniping, but does act
+        // to shake out wallet bugs like not showing nLockTime'd transactions at
+        // all.
+        txNew.nLockTime = std::max(0, chainActive.Height() - 10);
+        
+        // Secondly occasionally randomly pick a nLockTime even further back, so
+        // that transactions that are delayed after signing for whatever reason,
+        // e.g. high-latency mix networks and some CoinJoin implementations, have
+        // better privacy.
+        if (GetRandInt(10) == 0)
+            txNew.nLockTime = std::max(0, (int)txNew.nLockTime - GetRandInt(100));
+        
+        assert(txNew.nLockTime <= (unsigned int)chainActive.Height());
+        assert(txNew.nLockTime < LOCKTIME_THRESHOLD);
+    }
+    else
+    {
+        txNew.nLockTime = (uint32_t)chainActive.Tip()->nTime + 1; // set to a time close to now
+    }
 
     {
         LOCK2(cs_main, cs_wallet);