diff --git a/app/app.go b/app/app.go
index 1a25c8f3..99bb061e 100644
--- a/app/app.go
+++ b/app/app.go
@@ -204,7 +204,7 @@ func NewCyberdApp(
 		dbKeys.blockBandwidth, dbKeys.tDistr, dbKeys.tParams, dbKeys.tStake,
 	)
 
-	app.SetInitChainer(app.initChainer)
+	app.SetInitChainer(app.applyGenesis)
 	app.SetBeginBlocker(app.BeginBlocker)
 	app.SetEndBlocker(app.EndBlocker)
 	app.SetAnteHandler(NewAnteHandler(app.accountKeeper))
@@ -243,13 +243,7 @@ func NewCyberdApp(
 	return app
 }
 
-// todo check staking pool has corrected values
-// initChainer implements the custom application logic that the BaseApp will
-// invoke upon initialization. In this case, it will take the application's
-// state provided by 'req' and attempt to deserialize said state. The state
-// should contain all the genesis accounts. These accounts will be added to the
-// application's account mapper.
-func (app *CyberdApp) initChainer(ctx sdk.Context, req abci.RequestInitChain) abci.ResponseInitChain {
+func (app *CyberdApp) applyGenesis(ctx sdk.Context, req abci.RequestInitChain) abci.ResponseInitChain {
 
 	start := time.Now()
 	app.Logger().Info("Applying genesis")
@@ -268,17 +262,16 @@ func (app *CyberdApp) initChainer(ctx sdk.Context, req abci.RequestInitChain) ab
 		app.stakingIndex.UpdateStake(types.AccNumber(acc.AccountNumber), acc.Coins.AmountOf(coin.CYB).Int64())
 	}
 
+	bank.InitGenesis(ctx, app.bankKeeper, genesisState.BankData)
 	// initialize distribution (must happen before staking)
 	distr.InitGenesis(ctx, app.distrKeeper, genesisState.DistrData)
 
-	// load the initial stake information
 	validators, err := staking.InitGenesis(ctx, app.stakingKeeper, genesisState.StakingData)
 	if err != nil {
 		panic(err)
 	}
 
-	// auth.InitGenesis, but without collected fee
-	app.accountKeeper.SetParams(ctx, genesisState.AuthData.Params)
+	auth.InitGenesis(ctx, app.accountKeeper, app.feeCollectionKeeper, genesisState.AuthData)
 
 	slashing.InitGenesis(
 		ctx, app.slashingKeeper, genesisState.SlashingData,
diff --git a/app/export.go b/app/export.go
index 51ac73b5..b2b37d47 100644
--- a/app/export.go
+++ b/app/export.go
@@ -3,7 +3,6 @@ package app
 import (
 	"encoding/json"
 	"github.com/cosmos/cosmos-sdk/codec"
-	sdk "github.com/cosmos/cosmos-sdk/types"
 	"github.com/cosmos/cosmos-sdk/x/auth"
 	distr "github.com/cosmos/cosmos-sdk/x/distribution"
 	"github.com/cosmos/cosmos-sdk/x/gov"
@@ -32,10 +31,10 @@ func (app *CyberdApp) ExportAppStateAndValidators() (appState json.RawMessage, v
 	app.accountKeeper.IterateAccounts(ctx, appendAccount)
 	genState := NewGenesisState(
 		accounts,
-		auth.NewGenesisState(sdk.Coins{}, app.accountKeeper.GetParams(ctx)),
-		staking.ExportGenesis(ctx, app.stakingKeeper),
-		mint.ExportGenesis(ctx, app.minter),
-		distr.ExportGenesis(ctx, app.distrKeeper),
+		auth.GenesisState{},
+		staking.GenesisState{},
+		mint.GenesisState{},
+		distr.GenesisState{},
 		gov.GenesisState{},
 		slashing.GenesisState{},
 	)
diff --git a/app/genesis.go b/app/genesis.go
index 6ae1d2fd..2c99fc77 100644
--- a/app/genesis.go
+++ b/app/genesis.go
@@ -6,6 +6,7 @@ import (
 	"github.com/cosmos/cosmos-sdk/codec"
 	sdk "github.com/cosmos/cosmos-sdk/types"
 	"github.com/cosmos/cosmos-sdk/x/auth"
+	"github.com/cosmos/cosmos-sdk/x/bank"
 	distr "github.com/cosmos/cosmos-sdk/x/distribution"
 	"github.com/cosmos/cosmos-sdk/x/gov"
 	"github.com/cosmos/cosmos-sdk/x/slashing"
@@ -18,10 +19,15 @@ import (
 	"time"
 )
 
+const (
+	defaultUnbondingTime = 60 * 60 * 24 * 3 * 7 * time.Second // 3 weeks
+)
+
 // State to Unmarshal
 type GenesisState struct {
 	Accounts     []GenesisAccount      `json:"accounts"`
 	AuthData     auth.GenesisState     `json:"auth"`
+	BankData     bank.GenesisState     `json:"bank"`
 	DistrData    distr.GenesisState    `json:"distr"`
 	MintData     mint.GenesisState     `json:"mint"`
 	StakingData  staking.GenesisState  `json:"staking"`
@@ -79,12 +85,6 @@ func (ga *GenesisAccount) ToAccount() (acc *auth.BaseAccount) {
 	}
 }
 
-const (
-	// defaultUnbondingTime reflects three weeks in seconds as the default
-	// unbonding time.
-	defaultUnbondingTime = 60 * 60 * 24 * 3 * 7 * time.Second
-)
-
 // NewDefaultGenesisState generates the default state for cyberd.
 func NewDefaultGenesisState() GenesisState {
 	return GenesisState{
@@ -94,6 +94,9 @@ func NewDefaultGenesisState() GenesisState {
 				MaxMemoCharacters: 256,
 			},
 		},
+		BankData: bank.GenesisState{
+			SendEnabled: true,
+		},
 		MintData: mint.GenesisState{
 			Params: mint.Params{
 				TokensPerBlock: 634195840,
@@ -216,6 +219,9 @@ func validateGenesisState(genesisState GenesisState) (err error) {
 	if err := gov.ValidateGenesis(genesisState.GovData); err != nil {
 		return err
 	}
+	if err := bank.ValidateGenesis(genesisState.BankData); err != nil {
+		return err
+	}
 
 	return staking.ValidateGenesis(genesisState.StakingData)
 }
diff --git a/daemon/rpc/tokens.go b/daemon/rpc/tokens.go
index 5237789d..b0864367 100644
--- a/daemon/rpc/tokens.go
+++ b/daemon/rpc/tokens.go
@@ -8,10 +8,10 @@ import (
 )
 
 type SendRequest struct {
-	Fee        auth.StdFee    `json:"fee"`
-	Msgs       []bank.MsgSend `json:"msgs"`
-	Signatures []Signature    `json:"signatures"`
-	Memo       string         `json:"memo"`
+	Fee        auth.StdFee         `json:"fee"`
+	Msgs       []bank.MsgMultiSend `json:"msgs"`
+	Signatures []Signature         `json:"signatures"`
+	Memo       string              `json:"memo"`
 }
 
 func (r SendRequest) GetFee() auth.StdFee        { return r.Fee }