diff --git a/src/models/transactions/metadata.ts b/src/models/transactions/metadata.ts
index e1bf03f2..92e784f7 100644
--- a/src/models/transactions/metadata.ts
+++ b/src/models/transactions/metadata.ts
@@ -12,8 +12,8 @@ interface ModifiedNode {
   ModifiedNode: {
     LedgerEntryType: string
     LedgerIndex: string
-    FinalFields: { [field: string]: unknown }
-    PreviousFields: { [field: string]: unknown }
+    FinalFields?: { [field: string]: unknown }
+    PreviousFields?: { [field: string]: unknown }
     PreviousTxnID?: string
     PreviouTxnLgrSeq?: number
   }
@@ -27,12 +27,13 @@ interface DeletedNode {
   }
 }
 
-type Node = CreatedNode | ModifiedNode | DeletedNode
+export type Node = CreatedNode | ModifiedNode | DeletedNode
 
 export default interface TransactionMetadata {
   AffectedNodes: Node[]
   DeliveredAmount?: Amount
-  delivered_amount?: Amount
+  // "unavailable" possible for transactions before 2014-01-20
+  delivered_amount?: Amount | 'unavailable'
   TransactionIndex: number
   TransactionResult: string
 }
diff --git a/src/utils/balanceChanges.ts b/src/utils/balanceChanges.ts
new file mode 100644
index 00000000..c754d162
--- /dev/null
+++ b/src/utils/balanceChanges.ts
@@ -0,0 +1,183 @@
+import BigNumber from 'bignumber.js'
+import _ from 'lodash'
+
+import { Amount, IssuedCurrencyAmount } from '../models/common'
+import TransactionMetadata, { Node } from '../models/transactions/metadata'
+
+import { dropsToXrp } from './xrpConversion'
+
+interface Balance {
+  currency: string
+  issuer?: string
+  value: string
+}
+
+interface BalanceChange {
+  account: string
+  balance: Balance
+}
+
+interface BalanceChanges {
+  account: string
+  balances: Balance[]
+}
+
+interface Fields {
+  Account?: string
+  Balance?: Amount
+  LowLimit?: IssuedCurrencyAmount
+  HighLimit?: IssuedCurrencyAmount
+  // eslint-disable-next-line @typescript-eslint/member-ordering -- okay here, just some of the fields are typed to make it easier
+  [field: string]: unknown
+}
+
+interface NormalizedNode {
+  // 'CreatedNode' | 'ModifiedNode' | 'DeletedNode'
+  NodeType: string
+  LedgerEntryType: string
+  LedgerIndex: string
+  NewFields?: Fields
+  FinalFields?: Fields
+  PreviousFields?: Fields
+  PreviousTxnID?: string
+  PreviouTxnLgrSeq?: number
+}
+
+function normalizeNode(affectedNode: Node): NormalizedNode {
+  const diffType = Object.keys(affectedNode)[0]
+  // eslint-disable-next-line @typescript-eslint/consistent-type-assertions -- not quite right, but close enough
+  const node = affectedNode[diffType] as NormalizedNode
+  return {
+    ...node,
+    NodeType: diffType,
+    LedgerEntryType: node.LedgerEntryType,
+    LedgerIndex: node.LedgerIndex,
+    NewFields: node.NewFields,
+    FinalFields: node.FinalFields,
+    PreviousFields: node.PreviousFields,
+  }
+}
+
+function normalizeNodes(metadata: TransactionMetadata): NormalizedNode[] {
+  if (metadata.AffectedNodes.length === 0) {
+    return []
+  }
+  return metadata.AffectedNodes.map(normalizeNode)
+}
+
+function groupByAccount(balanceChanges: BalanceChange[]): BalanceChanges[] {
+  const grouped = _.groupBy(balanceChanges, (node) => node.account)
+  return Object.entries(grouped).map(([account, items]) => {
+    return { account, balances: items.map((item) => item.balance) }
+  })
+}
+
+function getValue(balance: Amount): BigNumber {
+  if (typeof balance === 'string') {
+    return new BigNumber(balance)
+  }
+  return new BigNumber(balance.value)
+}
+
+function computeBalanceChange(node: NormalizedNode): BigNumber | null {
+  let value: BigNumber | null = null
+  if (node.NewFields?.Balance) {
+    value = getValue(node.NewFields.Balance)
+  } else if (node.PreviousFields?.Balance && node.FinalFields?.Balance) {
+    value = getValue(node.FinalFields.Balance).minus(
+      getValue(node.PreviousFields.Balance),
+    )
+  }
+  if (value === null || value.isZero()) {
+    return null
+  }
+  return value
+}
+
+function getXRPQuantity(
+  node: NormalizedNode,
+): { account: string; balance: Balance } | null {
+  const value = computeBalanceChange(node)
+
+  if (value === null) {
+    return null
+  }
+
+  return {
+    // eslint-disable-next-line @typescript-eslint/consistent-type-assertions -- okay here
+    account: (node.FinalFields?.Account ?? node.NewFields?.Account) as string,
+    balance: {
+      currency: 'XRP',
+      value: dropsToXrp(value).toString(),
+    },
+  }
+}
+
+function flipTrustlinePerspective(balanceChange: BalanceChange): BalanceChange {
+  const negatedBalance = new BigNumber(balanceChange.balance.value).negated()
+  return {
+    // eslint-disable-next-line @typescript-eslint/consistent-type-assertions -- we know this is true
+    account: balanceChange.balance.issuer as string,
+    balance: {
+      issuer: balanceChange.account,
+      currency: balanceChange.balance.currency,
+      value: negatedBalance.toString(),
+    },
+  }
+}
+
+function getTrustlineQuantity(node: NormalizedNode): BalanceChange[] | null {
+  const value = computeBalanceChange(node)
+
+  if (value === null) {
+    return null
+  }
+
+  // A trustline can be created with a non-zero starting balance
+  // If an offer is placed to acquire an asset with no existing trustline,
+  // the trustline can be created when the offer is taken.
+  const fields = node.NewFields == null ? node.FinalFields : node.NewFields
+
+  // the balance is always from low node's perspective
+  const result = {
+    // eslint-disable-next-line @typescript-eslint/consistent-type-assertions -- we know that this is true
+    account: fields?.LowLimit?.issuer as string,
+    balance: {
+      issuer: fields?.HighLimit?.issuer,
+      // eslint-disable-next-line @typescript-eslint/consistent-type-assertions -- we know that this is true
+      currency: (fields?.Balance as IssuedCurrencyAmount).currency,
+      value: value.toString(),
+    },
+  }
+  return [result, flipTrustlinePerspective(result)]
+}
+
+/**
+ *  Computes the complete list of every balance that changed in the ledger
+ *  as a result of the given transaction.
+ *
+ *  @param metadata - Transaction metada.
+ *  @returns Parsed balance changes.
+ */
+export default function getBalanceChanges(
+  metadata: TransactionMetadata,
+): BalanceChanges[] {
+  const quantities = normalizeNodes(metadata).map((node) => {
+    if (node.LedgerEntryType === 'AccountRoot') {
+      const xrpQuantity = getXRPQuantity(node)
+      if (xrpQuantity == null) {
+        return []
+      }
+      return [xrpQuantity]
+    }
+    if (node.LedgerEntryType === 'RippleState') {
+      const trustlineQuantity = getTrustlineQuantity(node)
+      if (trustlineQuantity == null) {
+        return []
+      }
+      return trustlineQuantity
+    }
+    return []
+  })
+  return groupByAccount(_.flatten(quantities))
+}
diff --git a/src/utils/index.ts b/src/utils/index.ts
index 1beb3d7c..44d4e5a6 100644
--- a/src/utils/index.ts
+++ b/src/utils/index.ts
@@ -15,6 +15,7 @@ import {
   xAddressToClassicAddress,
 } from 'ripple-address-codec'
 
+import getBalanceChanges from './balanceChanges'
 import { deriveKeypair, deriveXAddress } from './derive'
 import { generateXAddress } from './generateAddress'
 import {
@@ -97,6 +98,7 @@ function convertStringToHex(string: string): string {
 }
 
 export {
+  getBalanceChanges,
   dropsToXrp,
   xrpToDrops,
   removeUndefined,
diff --git a/test/fixtures/utils/paymentToken.json b/test/fixtures/utils/paymentToken.json
new file mode 100644
index 00000000..6ed1c600
--- /dev/null
+++ b/test/fixtures/utils/paymentToken.json
@@ -0,0 +1,123 @@
+{
+  "engine_result": "tesSUCCESS",
+  "engine_result_code": 0,
+  "engine_result_message": "The transaction was applied.",
+  "ledger_hash": "F3F1416BF2E813396AB01FAA38E9F1023AC4D2368D94B0D52B2BC603CEEC01C3",
+  "ledger_index": 10459371,
+  "status": "closed",
+  "type": "transaction",
+  "validated": true,
+  "metadata": {
+    "AffectedNodes": [
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "1.525330905250352"
+            },
+            "Flags": 1114112,
+            "HighLimit": {
+              "currency": "USD",
+              "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+              "value": "0"
+            },
+            "HighNode": "00000000000001E8",
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc",
+              "value": "1000000000"
+            },
+            "LowNode": "0000000000000000"
+          },
+          "LedgerEntryType": "RippleState",
+          "LedgerIndex": "2F323020B4288ACD4066CC64C89DAD2E4D5DFC2D44571942A51C005BF79D6E25",
+          "PreviousFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "1.535330905250352"
+            }
+          },
+          "PreviousTxnID": "DC061E6F47B1B6E9A496A31B1AF87194B4CB24B2EBF8A59F35E31E12509238BD",
+          "PreviousTxnLgrSeq": 10459364
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "0.02"
+            },
+            "Flags": 1114112,
+            "HighLimit": {
+              "currency": "USD",
+              "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+              "value": "0"
+            },
+            "HighNode": "00000000000001E8",
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+              "value": "1000000000"
+            },
+            "LowNode": "0000000000000000"
+          },
+          "LedgerEntryType": "RippleState",
+          "LedgerIndex": "AAE13AF5192EFBFD49A8EEE5869595563FEB73228C0B38FED9CC3D20EE74F399",
+          "PreviousFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "0.01"
+            }
+          },
+          "PreviousTxnID": "DC061E6F47B1B6E9A496A31B1AF87194B4CB24B2EBF8A59F35E31E12509238BD",
+          "PreviousTxnLgrSeq": 10459364
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Account": "rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc",
+            "Balance": "239555992",
+            "Flags": 0,
+            "OwnerCount": 1,
+            "Sequence": 38
+          },
+          "LedgerEntryType": "AccountRoot",
+          "LedgerIndex": "E9A39B0BA8703D5FFD05D9EAD01EE6C0E7A15CF33C2C6B7269107BD2BD535818",
+          "PreviousFields": {
+            "Balance": "239567992",
+            "Sequence": 37
+          },
+          "PreviousTxnID": "DC061E6F47B1B6E9A496A31B1AF87194B4CB24B2EBF8A59F35E31E12509238BD",
+          "PreviousTxnLgrSeq": 10459364
+        }
+      }
+    ],
+    "TransactionIndex": 2,
+    "TransactionResult": "tesSUCCESS"
+  },
+  "tx_json": {
+    "Account": "rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc",
+    "Amount": {
+      "currency": "USD",
+      "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+      "value": "0.01"
+    },
+    "Destination": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+    "Fee": "12000",
+    "Flags": 2147483648,
+    "LastLedgerSequence": 10459379,
+    "Sequence": 37,
+    "SigningPubKey": "03F16A52EBDCA6EBF5D99828E1E6918C64D45E6F136476A8F4757512FE553D18F0",
+    "TransactionType": "Payment",
+    "TxnSignature": "3044022031D6AB55CDFD17E06DA0BAD6D6B7DC9B5CA8FFF50405F2FCD3ED8D3893B1835E02200524CC1E7D70AE3F00C9F94405C55EE179C363F534905168AE8B5BA01CF568A0",
+    "date": 471644150,
+    "hash": "34671C179737CC89E0F8BBAA83C313885ED1733488FC0F3088BAE16A3D9A5B1B"
+  }
+}
diff --git a/test/fixtures/utils/paymentTokenDestinationNoBalance.json b/test/fixtures/utils/paymentTokenDestinationNoBalance.json
new file mode 100644
index 00000000..aabf8cf0
--- /dev/null
+++ b/test/fixtures/utils/paymentTokenDestinationNoBalance.json
@@ -0,0 +1,123 @@
+{
+  "engine_result": "tesSUCCESS",
+  "engine_result_code": 0,
+  "engine_result_message": "The transaction was applied.",
+  "ledger_hash": "1B549453005A924A4EEF6DA9E1BA7D8D1E51D7B685CE8DE072667321FBA792C8",
+  "ledger_index": 10425094,
+  "status": "closed",
+  "type": "transaction",
+  "validated": true,
+  "metadata": {
+    "AffectedNodes": [
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "1.535330905250352"
+            },
+            "Flags": 1114112,
+            "HighLimit": {
+              "currency": "USD",
+              "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+              "value": "0"
+            },
+            "HighNode": "00000000000001E8",
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc",
+              "value": "1000000000"
+            },
+            "LowNode": "0000000000000000"
+          },
+          "LedgerEntryType": "RippleState",
+          "LedgerIndex": "2F323020B4288ACD4066CC64C89DAD2E4D5DFC2D44571942A51C005BF79D6E25",
+          "PreviousFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "1.545330905250352"
+            }
+          },
+          "PreviousTxnID": "CEB7B6040C2989B9849C8D7E49F710457EDDE1D95ECDF1E298FD30CF2AC5BE11",
+          "PreviousTxnLgrSeq": 10424776
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "0.01"
+            },
+            "Flags": 1114112,
+            "HighLimit": {
+              "currency": "USD",
+              "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+              "value": "0"
+            },
+            "HighNode": "00000000000001E8",
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+              "value": "1000000000"
+            },
+            "LowNode": "0000000000000000"
+          },
+          "LedgerEntryType": "RippleState",
+          "LedgerIndex": "AAE13AF5192EFBFD49A8EEE5869595563FEB73228C0B38FED9CC3D20EE74F399",
+          "PreviousFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "0"
+            }
+          },
+          "PreviousTxnID": "A788447CF5FD7108CBF49416E2335F95ED3F5A9FC016686C8F9EFB34BBEA613A",
+          "PreviousTxnLgrSeq": 10425088
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Account": "rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc",
+            "Balance": "239807992",
+            "Flags": 0,
+            "OwnerCount": 1,
+            "Sequence": 17
+          },
+          "LedgerEntryType": "AccountRoot",
+          "LedgerIndex": "E9A39B0BA8703D5FFD05D9EAD01EE6C0E7A15CF33C2C6B7269107BD2BD535818",
+          "PreviousFields": {
+            "Balance": "239819992",
+            "Sequence": 16
+          },
+          "PreviousTxnID": "3109F5A0F891CCA20B4D891EB7437973F40A7664C5176092EB2E5C0A949992AD",
+          "PreviousTxnLgrSeq": 10424942
+        }
+      }
+    ],
+    "TransactionIndex": 3,
+    "TransactionResult": "tesSUCCESS"
+  },
+  "tx_json": {
+    "Account": "rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc",
+    "Amount": {
+      "currency": "USD",
+      "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+      "value": "0.01"
+    },
+    "Destination": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+    "Fee": "12000",
+    "Flags": 2147483648,
+    "LastLedgerSequence": 10425102,
+    "Sequence": 16,
+    "SigningPubKey": "03F16A52EBDCA6EBF5D99828E1E6918C64D45E6F136476A8F4757512FE553D18F0",
+    "TransactionType": "Payment",
+    "TxnSignature": "3044022017DC45606103FF2CCE5D63E340D1E2B302BE16C206673B99712058CA0DBD2CC5022074A19CF5AF9CDFCEC821650A4C22E83E49E14956E1F2A094181E8E14F6881200",
+    "date": 471494760,
+    "hash": "D038C9D95926EACAA9FBDF3E6CA0675ACF1700B3CE13FF4CA52B463B58860BBA"
+  }
+}
diff --git a/test/fixtures/utils/paymentTokenMultipath.json b/test/fixtures/utils/paymentTokenMultipath.json
new file mode 100644
index 00000000..4ba29adf
--- /dev/null
+++ b/test/fixtures/utils/paymentTokenMultipath.json
@@ -0,0 +1,287 @@
+{
+   "result" : {
+      "Account" : "r4nmQNH4Fhjfh6cHDbvVSsBv7KySbj4cBf",
+      "Amount" : {
+         "currency" : "USD",
+         "issuer" : "rnYDWQaRdMb5neCGgvFfhw3MBoxmv5LtfH",
+         "value" : "300"
+      },
+      "Destination" : "rnYDWQaRdMb5neCGgvFfhw3MBoxmv5LtfH",
+      "Fee" : "10",
+      "Flags" : 0,
+      "Paths" : [
+         [
+            {
+               "account" : "rJsaPnGdeo7BhMnHjuc3n44Mf7Ra1qkSVJ",
+               "currency" : "USD",
+               "issuer" : "rJsaPnGdeo7BhMnHjuc3n44Mf7Ra1qkSVJ",
+               "type" : 49,
+               "type_hex" : "0000000000000031"
+            }
+         ],
+         [
+            {
+               "account" : "rGpeQzUWFu4fMhJHZ1Via5aqFC3A5twZUD",
+               "currency" : "USD",
+               "issuer" : "rGpeQzUWFu4fMhJHZ1Via5aqFC3A5twZUD",
+               "type" : 49,
+               "type_hex" : "0000000000000031"
+            }
+         ],
+         [
+            {
+               "account" : "rrnsYgWn13Z28GtRgznrSUsLfMkvsXCZSu",
+               "currency" : "USD",
+               "issuer" : "rrnsYgWn13Z28GtRgznrSUsLfMkvsXCZSu",
+               "type" : 49,
+               "type_hex" : "0000000000000031"
+            }
+         ]
+      ],
+      "Sequence" : 4,
+      "SigningPubKey" : "0324CAAFA2212D2AEAB9D42D481535614AED486293E1FB1380FF070C3DD7FB4264",
+      "TransactionType" : "Payment",
+      "TxnSignature" : "3044022007192E2113C236D541BA72FE628F2BDAA467120F3F61F588B63023E4EAE79E06022051813E7809F3DB07B29AEA65D61C1DD1B830C130840A15A67718ADC6FD94C44B",
+      "date" : 472608260,
+      "hash" : "029E6CF9C7962A324BD52A90732184991309DD964E7E8B2D52CAF138CB92CB29",
+      "inLedger" : 8,
+      "ledger_index" : 8,
+      "meta" : {
+         "AffectedNodes" : [
+            {
+               "ModifiedNode" : {
+                  "FinalFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "0"
+                     },
+                     "Flags" : 131072,
+                     "HighLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "r4nmQNH4Fhjfh6cHDbvVSsBv7KySbj4cBf",
+                        "value" : "100"
+                     },
+                     "HighNode" : "0000000000000000",
+                     "LowLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "rrnsYgWn13Z28GtRgznrSUsLfMkvsXCZSu",
+                        "value" : "0"
+                     },
+                     "LowNode" : "0000000000000000"
+                  },
+                  "LedgerEntryType" : "RippleState",
+                  "LedgerIndex" : "1AC76982771D3660656D83FA7CCE8E833C42DA797BECAAB30F36D6EEF73BE91B",
+                  "PreviousFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "-100"
+                     }
+                  },
+                  "PreviousTxnID" : "5E732D1DCC74EC0A5658FADC3B0FF7BBDDB83F630A04527A82DB671B04180FAD",
+                  "PreviousTxnLgrSeq" : 5
+               }
+            },
+            {
+               "ModifiedNode" : {
+                  "FinalFields" : {
+                     "Account" : "r4nmQNH4Fhjfh6cHDbvVSsBv7KySbj4cBf",
+                     "Balance" : "999999990",
+                     "Flags" : 0,
+                     "OwnerCount" : 3,
+                     "Sequence" : 5
+                  },
+                  "LedgerEntryType" : "AccountRoot",
+                  "LedgerIndex" : "5302F37F1D9290D8D92A31651FF71531504183695C2C43EC136B1CF4AC7E08FA",
+                  "PreviousFields" : {
+                     "Balance" : "1000000000",
+                     "Sequence" : 4
+                  },
+                  "PreviousTxnID" : "60357254ABC66B61EA9B13851A2862B55D7B5CF4EBE1D5682E95EBE217037B3A",
+                  "PreviousTxnLgrSeq" : 4
+               }
+            },
+            {
+               "ModifiedNode" : {
+                  "FinalFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "0"
+                     },
+                     "Flags" : 131072,
+                     "HighLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "r4nmQNH4Fhjfh6cHDbvVSsBv7KySbj4cBf",
+                        "value" : "100"
+                     },
+                     "HighNode" : "0000000000000000",
+                     "LowLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "rJsaPnGdeo7BhMnHjuc3n44Mf7Ra1qkSVJ",
+                        "value" : "0"
+                     },
+                     "LowNode" : "0000000000000000"
+                  },
+                  "LedgerEntryType" : "RippleState",
+                  "LedgerIndex" : "9D9CE283FB821F2A2DA5BCA55DFB2FD7758D129F3060B1F7834B7784AF4CD15C",
+                  "PreviousFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "-100"
+                     }
+                  },
+                  "PreviousTxnID" : "84EE2961C88A4B87A0F234CDF4C66BB488781DA2FF823814381473B40875C2AA",
+                  "PreviousTxnLgrSeq" : 5
+               }
+            },
+            {
+               "ModifiedNode" : {
+                  "FinalFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "0"
+                     },
+                     "Flags" : 131072,
+                     "HighLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "r4nmQNH4Fhjfh6cHDbvVSsBv7KySbj4cBf",
+                        "value" : "100"
+                     },
+                     "HighNode" : "0000000000000000",
+                     "LowLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "rGpeQzUWFu4fMhJHZ1Via5aqFC3A5twZUD",
+                        "value" : "0"
+                     },
+                     "LowNode" : "0000000000000000"
+                  },
+                  "LedgerEntryType" : "RippleState",
+                  "LedgerIndex" : "C5F104A35DB835AF4A4C4664BCDA57A88873DCEF23DF567485654FAEE5645949",
+                  "PreviousFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "-100"
+                     }
+                  },
+                  "PreviousTxnID" : "CC0817117A0C9055E26FB2E482AC0EF8B4321D874D55428F5F22DEAEE18E0931",
+                  "PreviousTxnLgrSeq" : 5
+               }
+            },
+            {
+               "ModifiedNode" : {
+                  "FinalFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "100"
+                     },
+                     "Flags" : 65536,
+                     "HighLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "rJsaPnGdeo7BhMnHjuc3n44Mf7Ra1qkSVJ",
+                        "value" : "0"
+                     },
+                     "HighNode" : "0000000000000000",
+                     "LowLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "rnYDWQaRdMb5neCGgvFfhw3MBoxmv5LtfH",
+                        "value" : "1000"
+                     },
+                     "LowNode" : "0000000000000000"
+                  },
+                  "LedgerEntryType" : "RippleState",
+                  "LedgerIndex" : "CC07E55B7114FAD14663E5BDD16458E3EFA300C2C139E4E0FC9E2635E3D8099E",
+                  "PreviousFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "0"
+                     }
+                  },
+                  "PreviousTxnID" : "8A8DE047F4A1886A2A1E8231AE3D66D162BA0ADD00B781CAAFF946F104474E63",
+                  "PreviousTxnLgrSeq" : 4
+               }
+            },
+            {
+               "ModifiedNode" : {
+                  "FinalFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "-100"
+                     },
+                     "Flags" : 131072,
+                     "HighLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "rnYDWQaRdMb5neCGgvFfhw3MBoxmv5LtfH",
+                        "value" : "1000"
+                     },
+                     "HighNode" : "0000000000000000",
+                     "LowLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "rrnsYgWn13Z28GtRgznrSUsLfMkvsXCZSu",
+                        "value" : "0"
+                     },
+                     "LowNode" : "0000000000000000"
+                  },
+                  "LedgerEntryType" : "RippleState",
+                  "LedgerIndex" : "FBCA655A6C287E90234BF96E8CF950B8B0DE4438C95F408A0E55D256EA2A8DD1",
+                  "PreviousFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "0"
+                     }
+                  },
+                  "PreviousTxnID" : "CDF04C313E841ACA1103B3E2D360E5EB18236808D281B645A2BC72426FDC8EA6",
+                  "PreviousTxnLgrSeq" : 4
+               }
+            },
+            {
+               "ModifiedNode" : {
+                  "FinalFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "100"
+                     },
+                     "Flags" : 65536,
+                     "HighLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "rGpeQzUWFu4fMhJHZ1Via5aqFC3A5twZUD",
+                        "value" : "0"
+                     },
+                     "HighNode" : "0000000000000000",
+                     "LowLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "rnYDWQaRdMb5neCGgvFfhw3MBoxmv5LtfH",
+                        "value" : "1000"
+                     },
+                     "LowNode" : "0000000000000000"
+                  },
+                  "LedgerEntryType" : "RippleState",
+                  "LedgerIndex" : "FDBBB8BF83FF697C7F68E67AAA06A9E0774CB2727B53E95E63B6416AF0B1A2A7",
+                  "PreviousFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "0"
+                     }
+                  },
+                  "PreviousTxnID" : "8BF77D4762500ED72F291B19D75489397EBF23D870C975B33B3C114E54F36740",
+                  "PreviousTxnLgrSeq" : 4
+               }
+            }
+         ],
+         "TransactionIndex" : 0,
+         "TransactionResult" : "tesSUCCESS"
+      },
+      "status" : "success",
+      "validated" : true
+   }
+}
diff --git a/test/fixtures/utils/paymentTokenRedeem.json b/test/fixtures/utils/paymentTokenRedeem.json
new file mode 100644
index 00000000..4f7d3851
--- /dev/null
+++ b/test/fixtures/utils/paymentTokenRedeem.json
@@ -0,0 +1,83 @@
+{
+   "result" : {
+      "Account" : "rPMh7Pi9ct699iZUTWaytJUoHcJ7cgyziK",
+      "Amount" : {
+         "currency" : "USD",
+         "issuer" : "rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh",
+         "value" : "100"
+      },
+      "Destination" : "rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh",
+      "Fee" : "10",
+      "Flags" : 2147483648,
+      "Sequence" : 2,
+      "SigningPubKey" : "02691AC5AE1C4C333AE5DF8A93BDC495F0EEBFC6DB0DA7EB6EF808F3AFC006E3FE",
+      "TransactionType" : "Payment",
+      "TxnSignature" : "304402205523DC0073C7F7DB92765367526A7A2CF1B6E2A42C6B102E96F58FC69689CBF60220371264F1472C6694F8453506503351B256722274CE1324E2B3B1885C18485D59",
+      "date" : 472366860,
+      "hash" : "44AA46A2728AD7A7E856B27D8815D935D174F63CAA60E4BD90C5CC74D440E753",
+      "inLedger" : 6,
+      "ledger_index" : 6,
+      "meta" : {
+         "AffectedNodes" : [
+            {
+               "ModifiedNode" : {
+                  "FinalFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "-100"
+                     },
+                     "Flags" : 131072,
+                     "HighLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "rPMh7Pi9ct699iZUTWaytJUoHcJ7cgyziK",
+                        "value" : "500"
+                     },
+                     "HighNode" : "0000000000000000",
+                     "LowLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh",
+                        "value" : "0"
+                     },
+                     "LowNode" : "0000000000000000"
+                  },
+                  "LedgerEntryType" : "RippleState",
+                  "LedgerIndex" : "88DA36A0E2F92E2E3504DC7936FDB719769486A6BE1BEC4F1E3B580538D28B4A",
+                  "PreviousFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "-200"
+                     }
+                  },
+                  "PreviousTxnID" : "C0AA2D9C82E68C06F81340B633D36EA983A834F6377FA18139D4EE7AA6A2973D",
+                  "PreviousTxnLgrSeq" : 5
+               }
+            },
+            {
+               "ModifiedNode" : {
+                  "FinalFields" : {
+                     "Account" : "rPMh7Pi9ct699iZUTWaytJUoHcJ7cgyziK",
+                     "Balance" : "999999980",
+                     "Flags" : 0,
+                     "OwnerCount" : 1,
+                     "Sequence" : 3
+                  },
+                  "LedgerEntryType" : "AccountRoot",
+                  "LedgerIndex" : "DE3BE7FDF6864FB024807B36BFCB4607E7CDA7D4C155C7AFB4B0973D638938BF",
+                  "PreviousFields" : {
+                     "Balance" : "999999990",
+                     "Sequence" : 2
+                  },
+                  "PreviousTxnID" : "88CD25B9BF28097156E1EA79281994FFD002EE3D3F67E99ED791C38DA3967CB6",
+                  "PreviousTxnLgrSeq" : 4
+               }
+            }
+         ],
+         "TransactionIndex" : 0,
+         "TransactionResult" : "tesSUCCESS"
+      },
+      "status" : "success",
+      "validated" : true
+   }
+}
diff --git a/test/fixtures/utils/paymentTokenRedeemThenIssue.json b/test/fixtures/utils/paymentTokenRedeemThenIssue.json
new file mode 100644
index 00000000..8ec22fb9
--- /dev/null
+++ b/test/fixtures/utils/paymentTokenRedeemThenIssue.json
@@ -0,0 +1,83 @@
+{
+   "result" : {
+      "Account" : "rPMh7Pi9ct699iZUTWaytJUoHcJ7cgyziK",
+      "Amount" : {
+         "currency" : "USD",
+         "issuer" : "rPMh7Pi9ct699iZUTWaytJUoHcJ7cgyziK",
+         "value" : "200"
+      },
+      "Destination" : "rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh",
+      "Fee" : "10",
+      "Flags" : 2147483648,
+      "Sequence" : 3,
+      "SigningPubKey" : "02691AC5AE1C4C333AE5DF8A93BDC495F0EEBFC6DB0DA7EB6EF808F3AFC006E3FE",
+      "TransactionType" : "Payment",
+      "TxnSignature" : "304402207068EDB074FE388DB198A5D3B51A2846BB937F76F558D2D9245B11A20DFD5DAF022055A5B5D65C637A34C48361AFD0E97780D6FAED98A4221CE0838EE3598C0EECDE",
+      "date" : 472374260,
+      "hash" : "8EE52E8CC50AB0841A34E755E882BBC50F855A750AC954D7E7050E71672BE77E",
+      "inLedger" : 8,
+      "ledger_index" : 8,
+      "meta" : {
+         "AffectedNodes" : [
+            {
+               "ModifiedNode" : {
+                  "FinalFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "100"
+                     },
+                     "Flags" : 196608,
+                     "HighLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "rPMh7Pi9ct699iZUTWaytJUoHcJ7cgyziK",
+                        "value" : "500"
+                     },
+                     "HighNode" : "0000000000000000",
+                     "LowLimit" : {
+                        "currency" : "USD",
+                        "issuer" : "rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh",
+                        "value" : "500"
+                     },
+                     "LowNode" : "0000000000000000"
+                  },
+                  "LedgerEntryType" : "RippleState",
+                  "LedgerIndex" : "88DA36A0E2F92E2E3504DC7936FDB719769486A6BE1BEC4F1E3B580538D28B4A",
+                  "PreviousFields" : {
+                     "Balance" : {
+                        "currency" : "USD",
+                        "issuer" : "rrrrrrrrrrrrrrrrrrrrBZbvji",
+                        "value" : "-100"
+                     }
+                  },
+                  "PreviousTxnID" : "951C7AB715ECF4E2B2254F336D9529783AE924E8B4784884E45EA0697ED78B61",
+                  "PreviousTxnLgrSeq" : 7
+               }
+            },
+            {
+               "ModifiedNode" : {
+                  "FinalFields" : {
+                     "Account" : "rPMh7Pi9ct699iZUTWaytJUoHcJ7cgyziK",
+                     "Balance" : "999999970",
+                     "Flags" : 0,
+                     "OwnerCount" : 1,
+                     "Sequence" : 4
+                  },
+                  "LedgerEntryType" : "AccountRoot",
+                  "LedgerIndex" : "DE3BE7FDF6864FB024807B36BFCB4607E7CDA7D4C155C7AFB4B0973D638938BF",
+                  "PreviousFields" : {
+                     "Balance" : "999999980",
+                     "Sequence" : 3
+                  },
+                  "PreviousTxnID" : "8D380F8548020FAF6CD42D0E9EDA92B51D4D7DDC4327644893CA1F24688F3715",
+                  "PreviousTxnLgrSeq" : 6
+               }
+            }
+         ],
+         "TransactionIndex" : 0,
+         "TransactionResult" : "tesSUCCESS"
+      },
+      "status" : "success",
+      "validated" : true
+   }
+}
diff --git a/test/fixtures/utils/paymentTokenSpendFullBalance.json b/test/fixtures/utils/paymentTokenSpendFullBalance.json
new file mode 100644
index 00000000..f60acc76
--- /dev/null
+++ b/test/fixtures/utils/paymentTokenSpendFullBalance.json
@@ -0,0 +1,124 @@
+{
+  "engine_result": "tesSUCCESS",
+  "engine_result_code": 0,
+  "engine_result_message": "The transaction was applied.",
+  "ledger_hash": "605F02CC71269E0C3253FC582503D0A69533DF9E744F1613CB132A67261527F2",
+  "ledger_index": 10458307,
+  "status": "closed",
+  "type": "transaction",
+  "validated": true,
+  "metadata": {
+    "AffectedNodes": [
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "1.545330905250352"
+            },
+            "Flags": 1114112,
+            "HighLimit": {
+              "currency": "USD",
+              "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+              "value": "0"
+            },
+            "HighNode": "00000000000001E8",
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc",
+              "value": "1000000000"
+            },
+            "LowNode": "0000000000000000"
+          },
+          "LedgerEntryType": "RippleState",
+          "LedgerIndex": "2F323020B4288ACD4066CC64C89DAD2E4D5DFC2D44571942A51C005BF79D6E25",
+          "PreviousFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "1.345330905250352"
+            }
+          },
+          "PreviousTxnID": "24525F80080EAC8857F1A29A47AEF23FD2B0A52DAF7DC3900A4E31831187FCB1",
+          "PreviousTxnLgrSeq": 10443886
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "0"
+            },
+            "Flags": 1114112,
+            "HighLimit": {
+              "currency": "USD",
+              "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+              "value": "0"
+            },
+            "HighNode": "00000000000001E8",
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+              "value": "1000000000"
+            },
+            "LowNode": "0000000000000000"
+          },
+          "LedgerEntryType": "RippleState",
+          "LedgerIndex": "AAE13AF5192EFBFD49A8EEE5869595563FEB73228C0B38FED9CC3D20EE74F399",
+          "PreviousFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "0.2"
+            }
+          },
+          "PreviousTxnID": "24525F80080EAC8857F1A29A47AEF23FD2B0A52DAF7DC3900A4E31831187FCB1",
+          "PreviousTxnLgrSeq": 10443886
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Account": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+            "Balance": "99976002",
+            "Flags": 0,
+            "OwnerCount": 1,
+            "Sequence": 3
+          },
+          "LedgerEntryType": "AccountRoot",
+          "LedgerIndex": "C24354B286600B8F28E51233B4AC41A3B4DDD0FDC9BCF96BB171573F6B40A4AE",
+          "PreviousFields": {
+            "Balance": "99988002",
+            "Sequence": 2
+          },
+          "PreviousTxnID": "A788447CF5FD7108CBF49416E2335F95ED3F5A9FC016686C8F9EFB34BBEA613A",
+          "PreviousTxnLgrSeq": 10425088
+        }
+      }
+    ],
+    "TransactionIndex": 3,
+    "TransactionResult": "tesSUCCESS"
+  },
+  "tx_json": {
+    "Account": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+    "Amount": {
+      "currency": "USD",
+      "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+      "value": "0.2"
+    },
+    "Destination": "rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc",
+    "Fee": "12000",
+    "Flags": 2147483648,
+    "LastLedgerSequence": 10458314,
+    "Sequence": 2,
+    "SigningPubKey": "039371D0465097AC8F9C02EB60D5599AAD08AADBD623D6D40D642CF2D7C0481B83",
+    "TransactionType": "Payment",
+    "TxnSignature": "304502210097A62D87FF08A050F1832B974F06FB4F0C83F6661CC916AE190A439C8DB3863202204CD27C5C6A9067BA5A1DA9BB940FDF3F7C6B073225911E567B1E37E9C29E99D4",
+    "date": 471639670,
+    "hash": "5AC7632779C3AE649236F728C2C6811D7ADDE6CCC5018B8754C6EB953FCB1BC5"
+  }
+}
+
diff --git a/test/fixtures/utils/paymentXrpCreateAccount.json b/test/fixtures/utils/paymentXrpCreateAccount.json
new file mode 100644
index 00000000..6f111e19
--- /dev/null
+++ b/test/fixtures/utils/paymentXrpCreateAccount.json
@@ -0,0 +1,60 @@
+{
+  "engine_result": "tesSUCCESS",
+  "engine_result_code": 0,
+  "engine_result_message": "The transaction was applied.",
+  "ledger_hash": "5FA9BBBE9EF6CE4BF9BB56CC3A70106C1475EA4C02EDE26651710FAA46E81F60",
+  "ledger_index": 10424084,
+  "metadata": {
+    "AffectedNodes": [
+      {
+        "CreatedNode": {
+          "LedgerEntryType": "AccountRoot",
+          "LedgerIndex": "C24354B286600B8F28E51233B4AC41A3B4DDD0FDC9BCF96BB171573F6B40A4AE",
+          "NewFields": {
+            "Account": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+            "Balance": "100000000",
+            "Sequence": 1
+          }
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Account": "rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc",
+            "Balance": "339903994",
+            "Flags": 0,
+            "OwnerCount": 0,
+            "Sequence": 9
+          },
+          "LedgerEntryType": "AccountRoot",
+          "LedgerIndex": "E9A39B0BA8703D5FFD05D9EAD01EE6C0E7A15CF33C2C6B7269107BD2BD535818",
+          "PreviousFields": {
+            "Balance": "439915994",
+            "Sequence": 8
+          },
+          "PreviousTxnID": "0E6CF1A13C6A804BE50B08C1D0446C7405D8461254CC6B62337CA9FEA4DF13EC",
+          "PreviousTxnLgrSeq": 10424064
+        }
+      }
+    ],
+    "TransactionIndex": 3,
+    "TransactionResult": "tesSUCCESS"
+  },
+  "status": "closed",
+  "transaction": {
+    "Account": "rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc",
+    "Amount": "100000000",
+    "Destination": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+    "Fee": "12000",
+    "Flags": 2147483648,
+    "LastLedgerSequence": 10424091,
+    "Sequence": 8,
+    "SigningPubKey": "03F16A52EBDCA6EBF5D99828E1E6918C64D45E6F136476A8F4757512FE553D18F0",
+    "TransactionType": "Payment",
+    "TxnSignature": "304402207676FE35FF0D01E01F13531760658ADECC493181A4EF618A970E4C209FC989C102206660147F17B46469864E9E10152844C4DA62363DB70B5F610E6DAEA87A6781A9",
+    "date": 471490400,
+    "hash": "43CAAC76C95358CA2F84EA8BF5BFC327B90B21039A3C69EC4EAC7FEDC54CDB9F"
+  },
+  "type": "transaction",
+  "validated": true
+}
diff --git a/test/fixtures/utils/trustlineCreate.json b/test/fixtures/utils/trustlineCreate.json
new file mode 100644
index 00000000..6d0cdfe3
--- /dev/null
+++ b/test/fixtures/utils/trustlineCreate.json
@@ -0,0 +1,108 @@
+{
+  "engine_result": "tesSUCCESS",
+  "engine_result_code": 0,
+  "engine_result_message": "The transaction was applied.",
+  "ledger_hash": "CA4C25E271FDB00836A091E8073F6692784BEB116B33675533F9511B17FC2B72",
+  "ledger_index": 10483144,
+  "status": "closed",
+  "type": "transaction",
+  "validated": true,
+  "metadata": {
+    "AffectedNodes": [
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Flags": 0,
+            "IndexPrevious": "00000000000001F1",
+            "Owner": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+            "RootIndex": "6319526CE8F9A8A44D7A870A89DC1B4AD848AA4F066FCB5390A9A268F6E16AEA"
+          },
+          "LedgerEntryType": "DirectoryNode",
+          "LedgerIndex": "58E06162628C5E2292DA172A97573FA5613C4A223810686428BF8431B3D67C58"
+        }
+      },
+      {
+        "CreatedNode": {
+          "LedgerEntryType": "DirectoryNode",
+          "LedgerIndex": "84C8F98961F2F10CB1B5C4FB649C18B05A9D3FC20C3A78B75C86CD30D7EAC39C",
+          "NewFields": {
+            "Owner": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+            "RootIndex": "84C8F98961F2F10CB1B5C4FB649C18B05A9D3FC20C3A78B75C86CD30D7EAC39C"
+          }
+        }
+      },
+      {
+        "ModifiedNode": {
+          "LedgerEntryType": "AccountRoot",
+          "LedgerIndex": "A3C1529122C3DBD6C96B9DF009FF4896023FE6B4E05A508B1E81F3DCD9A6274B",
+          "PreviousTxnID": "CA4BD65D1E29552B17041B219105E1BC0FE00837C798DE9F9E2EA670097ACE33",
+          "PreviousTxnLgrSeq": 10483128
+        }
+      },
+      {
+        "CreatedNode": {
+          "LedgerEntryType": "RippleState",
+          "LedgerIndex": "AAE13AF5192EFBFD49A8EEE5869595563FEB73228C0B38FED9CC3D20EE74F399",
+          "NewFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "10"
+            },
+            "Flags": 65536,
+            "HighLimit": {
+              "currency": "USD",
+              "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+              "value": "0"
+            },
+            "HighNode": "00000000000001F2",
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+              "value": "100"
+            }
+          }
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Account": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+            "Balance": "99740302",
+            "Flags": 0,
+            "OwnerCount": 1,
+            "Sequence": 23
+          },
+          "LedgerEntryType": "AccountRoot",
+          "LedgerIndex": "C24354B286600B8F28E51233B4AC41A3B4DDD0FDC9BCF96BB171573F6B40A4AE",
+          "PreviousFields": {
+            "Balance": "99752302",
+            "OwnerCount": 0,
+            "Sequence": 22
+          },
+          "PreviousTxnID": "8A3F4CA1D349B4BE896DFDED6B6D0F0DCA4FCA75E082C30A4175813DDB9BCDA6",
+          "PreviousTxnLgrSeq": 10482869
+        }
+      }
+    ],
+    "TransactionIndex": 10,
+    "TransactionResult": "tesSUCCESS"
+  },
+  "tx_json": {
+    "Account": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+    "Fee": "12000",
+    "Flags": 2147483648,
+    "LastLedgerSequence": 10483152,
+    "LimitAmount": {
+      "currency": "USD",
+      "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+      "value": "100"
+    },
+    "Sequence": 22,
+    "SigningPubKey": "039371D0465097AC8F9C02EB60D5599AAD08AADBD623D6D40D642CF2D7C0481B83",
+    "TransactionType": "TrustSet",
+    "TxnSignature": "3044022048862FBF688AFFA81E8A08DB08C2559BB5D7E935B5E4597EE6ADF2E901BC9A6402200B7CDBAD2001CB9797AD56E22D9DA1C23F7F5DC1BB8DB22F013DEE78EAC46BE4",
+    "date": 471748760,
+    "hash": "8375C1ED96BB4DD66FD697F34755F9B03DB62CD098627B834028728670CF93EF"
+  }
+}
diff --git a/test/fixtures/utils/trustlineDelete.json b/test/fixtures/utils/trustlineDelete.json
new file mode 100644
index 00000000..d83139e3
--- /dev/null
+++ b/test/fixtures/utils/trustlineDelete.json
@@ -0,0 +1,157 @@
+{
+  "engine_result": "tesSUCCESS",
+  "engine_result_code": 0,
+  "engine_result_message": "The transaction was applied.",
+  "ledger_hash": "BFD12A293442E8C083A98092C7A8A199A3732B2360643E40BB8704DE3DF8EA5E",
+  "ledger_index": 10482869,
+  "status": "closed",
+  "type": "transaction",
+  "validated": true,
+  "metadata": {
+    "AffectedNodes": [
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "1.545330905250352"
+            },
+            "Flags": 1114112,
+            "HighLimit": {
+              "currency": "USD",
+              "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+              "value": "0"
+            },
+            "HighNode": "00000000000001E8",
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc",
+              "value": "1000000000"
+            },
+            "LowNode": "0000000000000000"
+          },
+          "LedgerEntryType": "RippleState",
+          "LedgerIndex": "2F323020B4288ACD4066CC64C89DAD2E4D5DFC2D44571942A51C005BF79D6E25",
+          "PreviousFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "1.525330905250352"
+            }
+          },
+          "PreviousTxnID": "D1B2B5508585E1BB48E1D76629C59F6368AAB9568457D058486DCC4DCAECCE30",
+          "PreviousTxnLgrSeq": 10482855
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Flags": 0,
+            "IndexPrevious": "00000000000001F1",
+            "Owner": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+            "RootIndex": "6319526CE8F9A8A44D7A870A89DC1B4AD848AA4F066FCB5390A9A268F6E16AEA"
+          },
+          "LedgerEntryType": "DirectoryNode",
+          "LedgerIndex": "58E06162628C5E2292DA172A97573FA5613C4A223810686428BF8431B3D67C58"
+        }
+      },
+      {
+        "DeletedNode": {
+          "FinalFields": {
+            "Flags": 0,
+            "Owner": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+            "RootIndex": "84C8F98961F2F10CB1B5C4FB649C18B05A9D3FC20C3A78B75C86CD30D7EAC39C"
+          },
+          "LedgerEntryType": "DirectoryNode",
+          "LedgerIndex": "84C8F98961F2F10CB1B5C4FB649C18B05A9D3FC20C3A78B75C86CD30D7EAC39C"
+        }
+      },
+      {
+        "ModifiedNode": {
+          "LedgerEntryType": "AccountRoot",
+          "LedgerIndex": "A3C1529122C3DBD6C96B9DF009FF4896023FE6B4E05A508B1E81F3DCD9A6274B",
+          "PreviousTxnID": "758E69A2A2F5E7713ACCA70DC82DD89D7B45B9E020A7E19B9312F0C49A8834BA",
+          "PreviousTxnLgrSeq": 10482869
+        }
+      },
+      {
+        "DeletedNode": {
+          "FinalFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "0"
+            },
+            "Flags": 0,
+            "HighLimit": {
+              "currency": "USD",
+              "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+              "value": "0"
+            },
+            "HighNode": "00000000000001F2",
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+              "value": "0"
+            },
+            "LowNode": "0000000000000000",
+            "PreviousTxnID": "CA491349DAF4D4EB1E5D2EF1DD4BBC84640C22B4C94C3C9AD40B190151A7878B",
+            "PreviousTxnLgrSeq": 10482862
+          },
+          "LedgerEntryType": "RippleState",
+          "LedgerIndex": "AAE13AF5192EFBFD49A8EEE5869595563FEB73228C0B38FED9CC3D20EE74F399",
+          "PreviousFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "0.02"
+            },
+            "Flags": 65536
+          }
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Account": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+            "Balance": "99752302",
+            "Flags": 0,
+            "OwnerCount": 0,
+            "Sequence": 22
+          },
+          "LedgerEntryType": "AccountRoot",
+          "LedgerIndex": "C24354B286600B8F28E51233B4AC41A3B4DDD0FDC9BCF96BB171573F6B40A4AE",
+          "PreviousFields": {
+            "Balance": "99764302",
+            "OwnerCount": 1,
+            "Sequence": 21
+          },
+          "PreviousTxnID": "CA491349DAF4D4EB1E5D2EF1DD4BBC84640C22B4C94C3C9AD40B190151A7878B",
+          "PreviousTxnLgrSeq": 10482862
+        }
+      }
+    ],
+    "TransactionIndex": 9,
+    "TransactionResult": "tesSUCCESS"
+  },
+  "tx_json": {
+    "Account": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+    "Amount": {
+      "currency": "USD",
+      "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+      "value": "0.02"
+    },
+    "Destination": "rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc",
+    "Fee": "12000",
+    "Flags": 2147483648,
+    "LastLedgerSequence": 10482877,
+    "Sequence": 21,
+    "SigningPubKey": "039371D0465097AC8F9C02EB60D5599AAD08AADBD623D6D40D642CF2D7C0481B83",
+    "TransactionType": "Payment",
+    "TxnSignature": "3045022100E718DDE0149F89CF58FAD1847ED7AD9D61D833E07969A71FA7918D2F6D414AAE022041226ADCB68C2B64CA37AAB4C268922F2EE09DFBF8B234B282E9104643C6351D",
+    "date": 471747550,
+    "hash": "8A3F4CA1D349B4BE896DFDED6B6D0F0DCA4FCA75E082C30A4175813DDB9BCDA6"
+  }
+}
+
diff --git a/test/fixtures/utils/trustlineSetLimit.json b/test/fixtures/utils/trustlineSetLimit.json
new file mode 100644
index 00000000..21f753ed
--- /dev/null
+++ b/test/fixtures/utils/trustlineSetLimit.json
@@ -0,0 +1,88 @@
+{
+  "engine_result": "tesSUCCESS",
+  "engine_result_code": 0,
+  "engine_result_message": "The transaction was applied.",
+  "ledger_hash": "BB1814E087367EB56D7EBF0DB99481291894A53FF8B155511C6CC45D57F42E27",
+  "ledger_index": 10479523,
+  "status": "closed",
+  "type": "transaction",
+  "validated": true,
+  "metadata": {
+    "AffectedNodes": [
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "0.02"
+            },
+            "Flags": 1114112,
+            "HighLimit": {
+              "currency": "USD",
+              "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+              "value": "0"
+            },
+            "HighNode": "00000000000001E8",
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+              "value": "200"
+            },
+            "LowNode": "0000000000000000"
+          },
+          "LedgerEntryType": "RippleState",
+          "LedgerIndex": "AAE13AF5192EFBFD49A8EEE5869595563FEB73228C0B38FED9CC3D20EE74F399",
+          "PreviousFields": {
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+              "value": "100"
+            }
+          },
+          "PreviousTxnID": "A9A654F03855FEBD714E49B2C190A62C310081339AA0AA49C38F0B734E81C173",
+          "PreviousTxnLgrSeq": 10479514
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Account": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+            "Balance": "99884302",
+            "Flags": 0,
+            "OwnerCount": 1,
+            "Sequence": 11
+          },
+          "LedgerEntryType": "AccountRoot",
+          "LedgerIndex": "C24354B286600B8F28E51233B4AC41A3B4DDD0FDC9BCF96BB171573F6B40A4AE",
+          "PreviousFields": {
+            "Balance": "99896302",
+            "Sequence": 10
+          },
+          "PreviousTxnID": "BD850F01540CE35B68C1125E2055BBFEEF961D65AEFBC0CE39CF814685144117",
+          "PreviousTxnLgrSeq": 10479508
+        }
+      }
+    ],
+    "TransactionIndex": 10,
+    "TransactionResult": "tesSUCCESS"
+  },
+  "tx_json": {
+    "Account": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+    "Fee": "12000",
+    "Flags": 2147483648,
+    "LastLedgerSequence": 10479530,
+    "LimitAmount": {
+      "currency": "USD",
+      "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+      "value": "200"
+    },
+    "Sequence": 10,
+    "SigningPubKey": "039371D0465097AC8F9C02EB60D5599AAD08AADBD623D6D40D642CF2D7C0481B83",
+    "TransactionType": "TrustSet",
+    "TxnSignature": "304502210088A7B69070516F1456AE93CC7189C213E60F1E5276F0FFEB64419CFD3A75FDBA02202E852593523240D5BD59B4DF3FAC97E112F75DF712B07E9C9FC64D824E2E0CB2",
+    "date": 471732720,
+    "hash": "9F54793122AD0CF1552A4E76991CB481E6FAD467176976500E11EA76CAC9D9EA"
+  }
+}
+
diff --git a/test/fixtures/utils/trustlineSetLimit2.json b/test/fixtures/utils/trustlineSetLimit2.json
new file mode 100644
index 00000000..b1347e04
--- /dev/null
+++ b/test/fixtures/utils/trustlineSetLimit2.json
@@ -0,0 +1,107 @@
+{
+  "Account": "rsApBGKJmMfExxZBrGnzxEXyq7TMhMRg4e",
+  "Fee": "10",
+  "Flags": 0,
+  "LimitAmount": {
+    "currency": "USD",
+    "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+    "value": "300"
+  },
+  "Sequence": 10,
+  "SigningPubKey": "0337930D40B5A285B7ABC75574FAEC947D1221ABD0155E0D393223DFDA5A7905B2",
+  "TransactionType": "TrustSet",
+  "TxnSignature": "30450221009E1A07D8FD71276D776712EDCD044769C7DB0590FDFA90EC405BBFFA2A5B658402207280B2F1DFDFAEF4A52C14D3EB726CF0520FB2B79B4037C0F5FD0DF9D4166A62",
+  "date": 424538770,
+  "hash": "09A89A9DB790C553441637C677FF26D3A606C9EDF688447273B2C0B83D98383C",
+  "inLedger": 1046325,
+  "ledger_index": 1046325,
+  "metadata": {
+    "AffectedNodes": [
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Flags": 0,
+            "Owner": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+            "RootIndex": "6319526CE8F9A8A44D7A870A89DC1B4AD848AA4F066FCB5390A9A268F6E16AEA"
+          },
+          "LedgerEntryType": "DirectoryNode",
+          "LedgerIndex": "6319526CE8F9A8A44D7A870A89DC1B4AD848AA4F066FCB5390A9A268F6E16AEA"
+        }
+      },
+      {
+        "CreatedNode": {
+          "LedgerEntryType": "RippleState",
+          "LedgerIndex": "791DCC45D985B40DC7E3BFB7394B5287E8027BCFCE07F5A55A2492738724F97B",
+          "NewFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "0"
+            },
+            "Flags": 65536,
+            "HighLimit": {
+              "currency": "USD",
+              "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+              "value": "0"
+            },
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rsApBGKJmMfExxZBrGnzxEXyq7TMhMRg4e",
+              "value": "300"
+            }
+          }
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Account": "rsApBGKJmMfExxZBrGnzxEXyq7TMhMRg4e",
+            "Balance": "9248902096",
+            "Flags": 0,
+            "OwnerCount": 2,
+            "Sequence": 11
+          },
+          "LedgerEntryType": "AccountRoot",
+          "LedgerIndex": "96E491543BAA99142135D2C304174585C285FA44A2896970BAA66EA460F15479",
+          "PreviousFields": {
+            "Balance": "9248902106",
+            "OwnerCount": 1,
+            "Sequence": 10
+          },
+          "PreviousTxnID": "C6175CC7CF4B4C875DE991AA2812ABA00EE795CE5547FD70023E3B170BD1030F",
+          "PreviousTxnLgrSeq": 1043147
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Account": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+            "Balance": "149999980",
+            "Flags": 0,
+            "OwnerCount": 0,
+            "Sequence": 3,
+            "TransferRate": 1002000000
+          },
+          "LedgerEntryType": "AccountRoot",
+          "LedgerIndex": "A3C1529122C3DBD6C96B9DF009FF4896023FE6B4E05A508B1E81F3DCD9A6274B",
+          "PreviousTxnID": "5F338A7BF4C38633C75BED1672E146898904FC8272B45DA7D188716D998B71C5",
+          "PreviousTxnLgrSeq": 1045132
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Flags": 0,
+            "Owner": "rsApBGKJmMfExxZBrGnzxEXyq7TMhMRg4e",
+            "RootIndex": "AB72F278F646031B4531BE7EC45A78F3693B9375BEA7B2A794ECC32742C87843"
+          },
+          "LedgerEntryType": "DirectoryNode",
+          "LedgerIndex": "AB72F278F646031B4531BE7EC45A78F3693B9375BEA7B2A794ECC32742C87843"
+        }
+      }
+    ],
+    "TransactionIndex": 0,
+    "TransactionResult": "tesSUCCESS"
+  },
+  "validated": true
+}
diff --git a/test/fixtures/utils/trustlineSetLimitZero.json b/test/fixtures/utils/trustlineSetLimitZero.json
new file mode 100644
index 00000000..f441addb
--- /dev/null
+++ b/test/fixtures/utils/trustlineSetLimitZero.json
@@ -0,0 +1,87 @@
+{
+  "engine_result": "tesSUCCESS",
+  "engine_result_code": 0,
+  "engine_result_message": "The transaction was applied.",
+  "ledger_hash": "BCA3403873155ECFEB616ED9923D94430CB26EA7206CBCC4F86EACE47B33F950",
+  "ledger_index": 10460919,
+  "status": "closed",
+  "type": "transaction",
+  "validated": true,
+  "metadata": {
+    "AffectedNodes": [
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Balance": {
+              "currency": "USD",
+              "issuer": "rrrrrrrrrrrrrrrrrrrrBZbvji",
+              "value": "0.02"
+            },
+            "Flags": 1114112,
+            "HighLimit": {
+              "currency": "USD",
+              "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+              "value": "0"
+            },
+            "HighNode": "00000000000001E8",
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+              "value": "0"
+            },
+            "LowNode": "0000000000000000"
+          },
+          "LedgerEntryType": "RippleState",
+          "LedgerIndex": "AAE13AF5192EFBFD49A8EEE5869595563FEB73228C0B38FED9CC3D20EE74F399",
+          "PreviousFields": {
+            "LowLimit": {
+              "currency": "USD",
+              "issuer": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+              "value": "100"
+            }
+          },
+          "PreviousTxnID": "1BBAC938211E7C2B5A0DD00153557E0A47B38F93AF0F1831C4ECE0E6387B8B96",
+          "PreviousTxnLgrSeq": 10460914
+        }
+      },
+      {
+        "ModifiedNode": {
+          "FinalFields": {
+            "Account": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+            "Balance": "99940002",
+            "Flags": 0,
+            "OwnerCount": 1,
+            "Sequence": 6
+          },
+          "LedgerEntryType": "AccountRoot",
+          "LedgerIndex": "C24354B286600B8F28E51233B4AC41A3B4DDD0FDC9BCF96BB171573F6B40A4AE",
+          "PreviousFields": {
+            "Balance": "99952002",
+            "Sequence": 5
+          },
+          "PreviousTxnID": "1BBAC938211E7C2B5A0DD00153557E0A47B38F93AF0F1831C4ECE0E6387B8B96",
+          "PreviousTxnLgrSeq": 10460914
+        }
+      }
+    ],
+    "TransactionIndex": 8,
+    "TransactionResult": "tesSUCCESS"
+  },
+  "tx_json": {
+    "Account": "rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K",
+    "Fee": "12000",
+    "Flags": 2147483648,
+    "LastLedgerSequence": 10460926,
+    "LimitAmount": {
+      "currency": "USD",
+      "issuer": "rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q",
+      "value": "0"
+    },
+    "Sequence": 5,
+    "SigningPubKey": "039371D0465097AC8F9C02EB60D5599AAD08AADBD623D6D40D642CF2D7C0481B83",
+    "TransactionType": "TrustSet",
+    "TxnSignature": "3045022100CAF0DD8A64B68CC9CD44166A381FE07B69AAC5219BB3E90D5A2BD73FB9919DBA022071BE14E0E8ABB0B1841A7A4D1A983C8AC32CFA0E7C9A45FA3565AE5477C076A8",
+    "date": 471650760,
+    "hash": "B836ADBA4D77638C5F8C99B5FC0FC6A92D5F82FF3C90759F44773835BAD2AB86"
+  }
+}
diff --git a/test/utils/getBalanceChanges.ts b/test/utils/getBalanceChanges.ts
new file mode 100644
index 00000000..d78df840
--- /dev/null
+++ b/test/utils/getBalanceChanges.ts
@@ -0,0 +1,454 @@
+import { assert } from 'chai'
+
+import { getBalanceChanges } from '../../src/utils'
+import paymentToken from '../fixtures/utils/paymentToken.json'
+import paymentTokenDestinationNoBalance from '../fixtures/utils/paymentTokenDestinationNoBalance.json'
+import paymentTokenMultipath from '../fixtures/utils/paymentTokenMultipath.json'
+import paymentTokenRedeem from '../fixtures/utils/paymentTokenRedeem.json'
+import paymentTokenRedeemThenIssue from '../fixtures/utils/paymentTokenRedeemThenIssue.json'
+import paymentTokenSpendFullBalance from '../fixtures/utils/paymentTokenSpendFullBalance.json'
+import paymentXrpCreateAccount from '../fixtures/utils/paymentXrpCreateAccount.json'
+import trustlineCreate from '../fixtures/utils/trustlineCreate.json'
+import trustlineDelete from '../fixtures/utils/trustlineDelete.json'
+import trustlineSetLimit from '../fixtures/utils/trustlineSetLimit.json'
+import trustlineSetLimit2 from '../fixtures/utils/trustlineSetLimit2.json'
+import trustlineSetLimitZero from '../fixtures/utils/trustlineSetLimitZero.json'
+
+describe('getBalanceChanges', function () {
+  it('XRP create account', function () {
+    const result = getBalanceChanges(paymentXrpCreateAccount.metadata)
+    const expected = [
+      {
+        account: 'rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K',
+        balances: [{ currency: 'XRP', value: '100' }],
+      },
+      {
+        account: 'rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc',
+        balances: [{ currency: 'XRP', value: '-100.012' }],
+      },
+    ]
+    assert.deepStrictEqual(result, expected)
+  })
+
+  it('USD payment to account with no USD', function () {
+    const result = getBalanceChanges(paymentTokenDestinationNoBalance.metadata)
+    const expected = [
+      {
+        account: 'rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc',
+        balances: [
+          {
+            value: '-0.01',
+            currency: 'USD',
+            issuer: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+          },
+          {
+            value: '-0.012',
+            currency: 'XRP',
+          },
+        ],
+      },
+      {
+        account: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+        balances: [
+          {
+            issuer: 'rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc',
+            currency: 'USD',
+            value: '0.01',
+          },
+          {
+            issuer: 'rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K',
+            currency: 'USD',
+            value: '-0.01',
+          },
+        ],
+      },
+      {
+        account: 'rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K',
+        balances: [
+          {
+            issuer: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+            currency: 'USD',
+            value: '0.01',
+          },
+        ],
+      },
+    ]
+    assert.deepStrictEqual(result, expected)
+  })
+
+  it('USD payment of all USD in source account', function () {
+    const result = getBalanceChanges(paymentTokenSpendFullBalance.metadata)
+    const expected = [
+      {
+        account: 'rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc',
+        balances: [
+          {
+            value: '0.2',
+            currency: 'USD',
+            issuer: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+          },
+        ],
+      },
+      {
+        account: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+        balances: [
+          {
+            value: '-0.2',
+            currency: 'USD',
+            issuer: 'rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc',
+          },
+          {
+            value: '0.2',
+            currency: 'USD',
+            issuer: 'rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K',
+          },
+        ],
+      },
+      {
+        account: 'rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K',
+        balances: [
+          {
+            value: '-0.2',
+            currency: 'USD',
+            issuer: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+          },
+          {
+            value: '-0.012',
+            currency: 'XRP',
+          },
+        ],
+      },
+    ]
+
+    assert.deepStrictEqual(result, expected)
+  })
+
+  it('USD payment to account with USD', function () {
+    const result = getBalanceChanges(paymentToken.metadata)
+    const expected = [
+      {
+        account: 'rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc',
+        balances: [
+          {
+            value: '-0.01',
+            currency: 'USD',
+            issuer: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+          },
+          {
+            value: '-0.012',
+            currency: 'XRP',
+          },
+        ],
+      },
+      {
+        account: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+        balances: [
+          {
+            issuer: 'rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc',
+            currency: 'USD',
+            value: '0.01',
+          },
+          {
+            issuer: 'rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K',
+            currency: 'USD',
+            value: '-0.01',
+          },
+        ],
+      },
+      {
+        account: 'rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K',
+        balances: [
+          {
+            issuer: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+            currency: 'USD',
+            value: '0.01',
+          },
+        ],
+      },
+    ]
+    assert.deepStrictEqual(result, expected)
+  })
+
+  it('Set trust limit to 0 with balance remaining', function () {
+    const result = getBalanceChanges(trustlineSetLimitZero.metadata)
+    const expected = [
+      {
+        account: 'rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K',
+        balances: [
+          {
+            value: '-0.012',
+            currency: 'XRP',
+          },
+        ],
+      },
+    ]
+    assert.deepStrictEqual(result, expected)
+  })
+
+  it('Create trustline', function () {
+    const result = getBalanceChanges(trustlineCreate.metadata)
+    const expected = [
+      {
+        account: 'rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K',
+        balances: [
+          {
+            issuer: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+            currency: 'USD',
+            value: '10',
+          },
+          {
+            currency: 'XRP',
+            value: '-0.012',
+          },
+        ],
+      },
+      {
+        account: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+        balances: [
+          {
+            issuer: 'rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K',
+            currency: 'USD',
+            value: '-10',
+          },
+        ],
+      },
+    ]
+    assert.deepStrictEqual(result, expected)
+  })
+
+  it('Set trustline', function () {
+    const result = getBalanceChanges(trustlineSetLimit.metadata)
+    const expected = [
+      {
+        account: 'rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K',
+        balances: [
+          {
+            value: '-0.012',
+            currency: 'XRP',
+          },
+        ],
+      },
+    ]
+    assert.deepStrictEqual(result, expected)
+  })
+
+  it('Set trustline 2', function () {
+    const result = getBalanceChanges(trustlineSetLimit2.metadata)
+    const expected = [
+      {
+        account: 'rsApBGKJmMfExxZBrGnzxEXyq7TMhMRg4e',
+        balances: [
+          {
+            currency: 'XRP',
+            value: '-0.00001',
+          },
+        ],
+      },
+    ]
+    assert.deepStrictEqual(result, expected)
+  })
+
+  it('Delete trustline', function () {
+    const result = getBalanceChanges(trustlineDelete.metadata)
+    const expected = [
+      {
+        account: 'rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc',
+        balances: [
+          {
+            value: '0.02',
+            currency: 'USD',
+            issuer: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+          },
+        ],
+      },
+      {
+        account: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+        balances: [
+          {
+            value: '-0.02',
+            currency: 'USD',
+            issuer: 'rKmBGxocj9Abgy25J51Mk1iqFzW9aVF9Tc',
+          },
+          {
+            value: '0.02',
+            currency: 'USD',
+            issuer: 'rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K',
+          },
+        ],
+      },
+      {
+        account: 'rLDYrujdKUfVx28T9vRDAbyJ7G2WVXKo4K',
+        balances: [
+          {
+            value: '-0.02',
+            currency: 'USD',
+            issuer: 'rMwjYedjc7qqtKYVLiAccJSmCwih4LnE2q',
+          },
+          {
+            value: '-0.012',
+            currency: 'XRP',
+          },
+        ],
+      },
+    ]
+    assert.deepStrictEqual(result, expected)
+  })
+
+  it('Redeem USD', function () {
+    const result = getBalanceChanges(paymentTokenRedeem.result.meta)
+    const expected = [
+      {
+        account: 'rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh',
+        balances: [
+          {
+            currency: 'USD',
+            issuer: 'rPMh7Pi9ct699iZUTWaytJUoHcJ7cgyziK',
+            value: '100',
+          },
+        ],
+      },
+      {
+        account: 'rPMh7Pi9ct699iZUTWaytJUoHcJ7cgyziK',
+        balances: [
+          {
+            currency: 'USD',
+            issuer: 'rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh',
+            value: '-100',
+          },
+          {
+            currency: 'XRP',
+            value: '-0.00001',
+          },
+        ],
+      },
+    ]
+    assert.deepStrictEqual(result, expected)
+  })
+
+  it('Redeem then issue USD', function () {
+    const result = getBalanceChanges(paymentTokenRedeemThenIssue.result.meta)
+    const expected = [
+      {
+        account: 'rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh',
+        balances: [
+          {
+            currency: 'USD',
+            issuer: 'rPMh7Pi9ct699iZUTWaytJUoHcJ7cgyziK',
+            value: '200',
+          },
+        ],
+      },
+      {
+        account: 'rPMh7Pi9ct699iZUTWaytJUoHcJ7cgyziK',
+        balances: [
+          {
+            currency: 'USD',
+            issuer: 'rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh',
+            value: '-200',
+          },
+          {
+            currency: 'XRP',
+            value: '-0.00001',
+          },
+        ],
+      },
+    ]
+    assert.deepStrictEqual(result, expected)
+  })
+
+  it('Multipath USD payment', function () {
+    const result = getBalanceChanges(paymentTokenMultipath.result.meta)
+    const expected = [
+      {
+        account: 'rrnsYgWn13Z28GtRgznrSUsLfMkvsXCZSu',
+        balances: [
+          {
+            issuer: 'r4nmQNH4Fhjfh6cHDbvVSsBv7KySbj4cBf',
+            currency: 'USD',
+            value: '100',
+          },
+          {
+            issuer: 'rnYDWQaRdMb5neCGgvFfhw3MBoxmv5LtfH',
+            currency: 'USD',
+            value: '-100',
+          },
+        ],
+      },
+      {
+        account: 'r4nmQNH4Fhjfh6cHDbvVSsBv7KySbj4cBf',
+        balances: [
+          {
+            issuer: 'rrnsYgWn13Z28GtRgznrSUsLfMkvsXCZSu',
+            currency: 'USD',
+            value: '-100',
+          },
+          {
+            currency: 'XRP',
+            value: '-0.00001',
+          },
+          {
+            issuer: 'rJsaPnGdeo7BhMnHjuc3n44Mf7Ra1qkSVJ',
+            currency: 'USD',
+            value: '-100',
+          },
+          {
+            issuer: 'rGpeQzUWFu4fMhJHZ1Via5aqFC3A5twZUD',
+            currency: 'USD',
+            value: '-100',
+          },
+        ],
+      },
+      {
+        account: 'rJsaPnGdeo7BhMnHjuc3n44Mf7Ra1qkSVJ',
+        balances: [
+          {
+            issuer: 'r4nmQNH4Fhjfh6cHDbvVSsBv7KySbj4cBf',
+            currency: 'USD',
+            value: '100',
+          },
+          {
+            issuer: 'rnYDWQaRdMb5neCGgvFfhw3MBoxmv5LtfH',
+            currency: 'USD',
+            value: '-100',
+          },
+        ],
+      },
+      {
+        account: 'rGpeQzUWFu4fMhJHZ1Via5aqFC3A5twZUD',
+        balances: [
+          {
+            issuer: 'r4nmQNH4Fhjfh6cHDbvVSsBv7KySbj4cBf',
+            currency: 'USD',
+            value: '100',
+          },
+          {
+            issuer: 'rnYDWQaRdMb5neCGgvFfhw3MBoxmv5LtfH',
+            currency: 'USD',
+            value: '-100',
+          },
+        ],
+      },
+      {
+        account: 'rnYDWQaRdMb5neCGgvFfhw3MBoxmv5LtfH',
+        balances: [
+          {
+            issuer: 'rJsaPnGdeo7BhMnHjuc3n44Mf7Ra1qkSVJ',
+            currency: 'USD',
+            value: '100',
+          },
+          {
+            issuer: 'rrnsYgWn13Z28GtRgznrSUsLfMkvsXCZSu',
+            currency: 'USD',
+            value: '100',
+          },
+          {
+            issuer: 'rGpeQzUWFu4fMhJHZ1Via5aqFC3A5twZUD',
+            currency: 'USD',
+            value: '100',
+          },
+        ],
+      },
+    ]
+    assert.deepStrictEqual(result, expected)
+  })
+})