diff --git a/include/xrpl/ledger/helpers/MPToken.h b/include/xrpl/ledger/helpers/MPToken.h
index 61fd9e4bfa..8706dc2c8e 100644
--- a/include/xrpl/ledger/helpers/MPToken.h
+++ b/include/xrpl/ledger/helpers/MPToken.h
@@ -75,7 +75,7 @@ public:
         AccountID const& account,
         std::uint32_t const flags)
     {
-        WritableMPToken mptoken(issuance, account);
+        WritableMPToken mptoken = makeNew(issuance, account);
 
         auto const ownerNode = mptoken.applyView().dirInsert(
             keylet::ownerDir(account), mptoken->key(), describeOwnerDir(account));
@@ -83,18 +83,40 @@ public:
         if (!ownerNode)
             return tecDIR_FULL;  // LCOV_EXCL_LINE
 
-        mptoken.newSLE();
-
         (*mptoken)[sfAccount] = account;
         (*mptoken)[sfMPTokenIssuanceID] = issuance.getMptID();
         (*mptoken)[sfFlags] = flags;
         (*mptoken)[sfOwnerNode] = *ownerNode;
 
-        mptoken.insert();
-
         return tesSUCCESS;
     }
 
+    /** Create a WritableMPToken backed by a brand-new SLE
+     *  (not yet inserted into the view).
+     */
+    [[nodiscard]] static WritableMPToken
+    makeNew(WritableMPTokenIssuance& issuance, AccountID const& holder)
+    {
+        return WritableMPToken(
+            issuance, holder, std::make_shared<SLE>(keylet::mptoken(issuance.getMptID(), holder)));
+    }
+
+private:
+    // This is a private constructor only used by `makeNew`
+    WritableMPToken(
+        WritableMPTokenIssuance& issuance,
+        AccountID const& holder,
+        std::shared_ptr<SLE> sle)
+        : ReadOnlySLE(sle, issuance.applyView())
+        , TokenHolderBase(issuance.applyView(), sle, issuance, holder)
+        , WritableSLE(sle, issuance.applyView())
+        , WritableTokenHolderBase(issuance.applyView(), sle, issuance, holder)
+        , MPToken(issuance, holder)
+        , writableIssuance_(issuance)
+    {
+        insert();
+    }
+
 protected:
     WritableMPTokenIssuance& writableIssuance_;
 };
diff --git a/include/xrpl/ledger/helpers/RippleState.h b/include/xrpl/ledger/helpers/RippleState.h
index a2ef3b1ede..7969eaa22a 100644
--- a/include/xrpl/ledger/helpers/RippleState.h
+++ b/include/xrpl/ledger/helpers/RippleState.h
@@ -90,15 +90,6 @@ public:
         return writableIOUToken_;
     }
 
-    static Expected<WritableRippleState, TER>
-    makeNew(WritableIOUToken& token, AccountID const& accountID, beast::Journal journal)
-    {
-        auto const ter = token.addEmptyHolding(accountID, XRPAmount{0}, journal);
-        if (ter != tesSUCCESS)
-            return Unexpected(ter);
-        return WritableRippleState{token.applyView(), token, accountID};
-    }
-
     //--------------------------------------------------------------------------
     //
     // Trust line operations
@@ -137,6 +128,29 @@ public:
         AccountID const& uHighAccountID,
         beast::Journal j);
 
+    /** Create a WritableRippleState backed by a brand-new SLE
+     *  (not yet inserted into the view).
+     */
+    [[nodiscard]] static WritableRippleState
+    makeNew(WritableIOUToken& token, AccountID const& holder)
+    {
+        return WritableRippleState(
+            token, holder, std::make_shared<SLE>(keylet::line(holder, token.getIssue())));
+    }
+
+private:
+    // This is a private constructor only used by `makeNew`
+    WritableRippleState(WritableIOUToken& token, AccountID const& holder, std::shared_ptr<SLE> sle)
+        : ReadOnlySLE(sle, token.applyView())
+        , TokenHolderBase(token.applyView(), sle, token, holder)
+        , WritableSLE(sle, token.applyView())
+        , WritableTokenHolderBase(token.applyView(), sle, token, holder)
+        , RippleState(token, holder)
+        , writableIOUToken_(token)
+    {
+        insert();
+    }
+
 protected:
     WritableIOUToken& writableIOUToken_;
 };
diff --git a/include/xrpl/ledger/helpers/RippleStateHelpers.h b/include/xrpl/ledger/helpers/RippleStateHelpers.h
index 3b87bf14bf..d5148e2997 100644
--- a/include/xrpl/ledger/helpers/RippleStateHelpers.h
+++ b/include/xrpl/ledger/helpers/RippleStateHelpers.h
@@ -49,6 +49,12 @@ public:
         return currency_;
     }
 
+    [[nodiscard]] Issue const&
+    getIssue() const
+    {
+        return issue_;
+    }
+
     [[nodiscard]] bool
     isGlobalFrozen() const override
     {