diff --git a/src/xrpld/app/misc/NetworkOPs.cpp b/src/xrpld/app/misc/NetworkOPs.cpp
index 5110534efc..41af780a53 100644
--- a/src/xrpld/app/misc/NetworkOPs.cpp
+++ b/src/xrpld/app/misc/NetworkOPs.cpp
@@ -4259,8 +4259,9 @@ NetworkOPsImp::getBookPage(
 
     ReadView const& view = *lpLedger;
 
-    bool const bGlobalFreeze =
-        isGlobalFrozen(view, book.out.account) || isGlobalFrozen(view, book.in.account);
+    WrappedAccountRoot issuerOut(book.out.account, &view);
+    WrappedAccountRoot issuerIn(book.in.account, &view);
+    bool const bGlobalFreeze = issuerOut.isGlobalFrozen() || issuerIn.isGlobalFrozen();
 
     bool bDone = false;
     bool bDirectAdvance = true;
@@ -4269,8 +4270,9 @@ NetworkOPsImp::getBookPage(
     uint256 offerIndex;
     unsigned int uBookEntry = 0;
     STAmount saDirRate;
+    WrappedAccountRoot issuer(book.out.account, &view);
 
-    auto const rate = transferRate(view, book.out.account);
+    auto const rate = issuer.transferRate();
     auto viewJ = registry_.journal("View");
 
     while (!bDone && iLimit-- > 0)
diff --git a/src/xrpld/app/paths/detail/BookStep.cpp b/src/xrpld/app/paths/detail/BookStep.cpp
index df1e849b81..8f1369a40c 100644
--- a/src/xrpld/app/paths/detail/BookStep.cpp
+++ b/src/xrpld/app/paths/detail/BookStep.cpp
@@ -314,7 +314,8 @@ public:
         auto rate = [&](AccountID const& id) {
             if (isXRP(id) || id == this->strandDst_)
                 return parityRate;
-            return transferRate(v, id);
+            WrappedAccountRoot issuer(id, &v);
+            return issuer.transferRate();
         };
 
         auto const trIn = redeems(prevStepDir) ? rate(this->book_.in.account) : parityRate;
@@ -506,7 +507,8 @@ public:
         auto rate = [&](AccountID const& id) {
             if (isXRP(id) || id == this->strandDst_)
                 return parityRate;
-            return transferRate(v, id);
+            WrappedAccountRoot issuer(id, &v);
+            return issuer.transferRate();
         };
 
         auto const trIn = redeems(prevStepDir) ? rate(this->book_.in.account) : parityRate;
@@ -663,7 +665,8 @@ BookStep<TIn, TOut, TDerived>::forEachOffer(
     auto rate = [this, &sb](AccountID const& id) -> std::uint32_t {
         if (isXRP(id) || id == this->strandDst_)
             return QUALITY_ONE;
-        return transferRate(sb, id).value;
+        WrappedAccountRoot issuer(id, &sb);
+        return issuer.transferRate().value;
     };
 
     std::uint32_t const trIn = redeems(prevStepDir) ? rate(book_.in.account) : QUALITY_ONE;
diff --git a/src/xrpld/app/paths/detail/DirectStep.cpp b/src/xrpld/app/paths/detail/DirectStep.cpp
index d1d540eda5..f330d38ef7 100644
--- a/src/xrpld/app/paths/detail/DirectStep.cpp
+++ b/src/xrpld/app/paths/detail/DirectStep.cpp
@@ -738,8 +738,10 @@ DirectStepI<TDerived>::qualitiesSrcIssues(ReadView const& sb, DebtDirection prev
         "xrpl::DirectStepI::qualitiesSrcIssues : will prevStepDebtDirection "
         "issue");
 
+    WrappedAccountRoot issuer(src_, &sb);
+
     std::uint32_t const srcQOut =
-        redeems(prevStepDebtDirection) ? transferRate(sb, src_).value : QUALITY_ONE;
+        redeems(prevStepDebtDirection) ? issuer.transferRate().value : QUALITY_ONE;
     auto dstQIn = static_cast<TDerived const*>(this)->quality(sb, QualityDirection::in);
 
     if (isLast_ && dstQIn > QUALITY_ONE)
diff --git a/src/xrpld/app/paths/detail/XRPEndpointStep.cpp b/src/xrpld/app/paths/detail/XRPEndpointStep.cpp
index 8b1835069b..e9b1bc2d3b 100644
--- a/src/xrpld/app/paths/detail/XRPEndpointStep.cpp
+++ b/src/xrpld/app/paths/detail/XRPEndpointStep.cpp
@@ -104,7 +104,8 @@ protected:
     XRPAmount
     xrpLiquidImpl(ReadView& sb, std::int32_t reserveReduction) const
     {
-        return xrpl::xrpLiquid(sb, acc_, reserveReduction, j_);
+        WrappedAccountRoot account(acc_, &sb);
+        return account.xrpLiquid(reserveReduction, j_);
     }
 
     std::string