diff --git a/develop/Asset_&_Method_Definitions.go b/develop/Asset_&_Method_Definitions.go
new file mode 100644
index 0000000..1ecbb72
--- /dev/null
+++ b/develop/Asset_&_Method_Definitions.go
@@ -0,0 +1,186 @@
+package main
+
+import (
+	"fmt"
+	"strconv"
+
+	"github.com/hyperledger/fabric/core/chaincode/shim"
+	pb "github.com/hyperledger/fabric/protos/peer"
+)
+
+// SimpleChaincode example simple Chaincode implementation
+type SimpleChaincode struct {
+}
+
+
+// ============================================================================================================================
+// Asset Definitions - The ledger will store wallets and owners
+// ============================================================================================================================
+
+// ----- Wallets ----- //
+type Wallet struct {
+	ObjectType 	string			`json:"docType"`
+	Id			string			`json:"id"`
+	Balance		int				`json:"balance"`
+	Owner		OwnerRelation	`json:"owner"`
+}
+
+// ----- Beneficiaries ----- //
+type Beneficiary struct {
+	ObjectType 	string			`json:"docType"`
+	Id			string			`json:"id"`
+	IdBenef		string			`json:"idbenef`
+	NameBenef	string			`json:"namebenef"`
+	FirstnameBenef	string		`json:"firstnamebenef"`
+	Owner		OwnerRelation	`json:"owner"`
+}
+
+// ----- Owners ----- //
+type Owner struct {
+	ObjectType 	string 			`json:"docType"`
+	Id			string			`json:"id"`
+	Name		string			`json:"name"`
+	Firstname	string			`json:"firstname"`
+	Mail		string			`json:"mail"`
+	Address		string			`json:"address"`
+	City		string			`json:"city"`
+	Postalcode	int				`json:"postal"`
+	Password	string			`json:"password"`
+	Association	string			`json:"association"`
+	//disabled owners will not be visible to the application
+	Enabled		bool			`json:"enabled"`
+}
+
+type OwnerRelation struct {
+	Id         	string 			`json:"id"`
+	Name		string 			`json:"name"`
+	Firstname	string 			`json:"firstname"`
+}
+
+
+// ============================================================================================================================
+// Main
+// ============================================================================================================================
+func main() {
+	err := shim.Start(new(SimpleChaincode))
+	if err != nil {
+		fmt.Printf("Error starting Simple chaincode - %s", err)
+	}
+}
+
+
+// ============================================================================================================================
+// Init - initialize the chaincode 
+//
+// Returns - shim.Success or error
+// ============================================================================================================================
+func (t *SimpleChaincode) Init(stub shim.ChaincodeStubInterface) pb.Response {
+	fmt.Println("Wallet Is Starting Up")
+	funcName, args := stub.GetFunctionAndParameters()
+	var number int
+	var err error
+	txId := stub.GetTxID()
+	
+	fmt.Println("Init() is running")
+	fmt.Println("Transaction ID:", txId)
+	fmt.Println("  GetFunctionAndParameters() function:", funcName)
+	fmt.Println("  GetFunctionAndParameters() args count:", len(args))
+	fmt.Println("  GetFunctionAndParameters() args found:", args)
+
+	// expecting 1 arg for instantiate or upgrade
+	if len(args) == 1 {
+		fmt.Println("  GetFunctionAndParameters() arg[0] length", len(args[0]))
+
+		// expecting arg[0] to be length 0 for upgrade
+		if len(args[0]) == 0 {
+			fmt.Println("args[0] is empty...")
+		} else {
+			fmt.Println("  Great news everyone, args[0] is not empty")
+
+			// convert numeric string to integer
+			number, err = strconv.Atoi(args[0])
+			if err != nil {
+				return shim.Error("Expecting a numeric string argument to Init() for instantiate")
+			}
+
+			// this is a very simple test. let's write to the ledger and error out on any errors
+			// it's handy to read this right away to verify network is healthy if it wrote the correct value
+			err = stub.PutState("selftest", []byte(strconv.Itoa(number)))
+			if err != nil {
+				return shim.Error(err.Error())                  //self-test fail
+			}
+		}
+	}
+
+	// showing the alternative argument shim function
+	alt := stub.GetStringArgs()
+	fmt.Println("  GetStringArgs() args count:", len(alt))
+	fmt.Println("  GetStringArgs() args found:", alt)
+
+	// store compatible wallet application version
+	err = stub.PutState("wallets_ui", []byte("4.0.1"))
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	fmt.Println("Ready for action")                          //self-test pass
+	return shim.Success(nil)
+}
+
+
+// ============================================================================================================================
+// Invoke - Our entry point for Invocations
+// ============================================================================================================================
+func (t *SimpleChaincode) Invoke(stub shim.ChaincodeStubInterface) pb.Response {
+	function, args := stub.GetFunctionAndParameters()
+	fmt.Println(" ")
+	fmt.Println("starting invoke, for - " + function)
+
+	// Handle different functions
+	if function == "init" {                    		//initialize the chaincode state, used as reset
+		return t.Init(stub)
+	} else if function == "read" {             		//generic read ledger
+		return read(stub, args)
+	} else if function == "write" {            		//generic writes to ledger
+		return write(stub, args)
+	} else if function == "delete_wallet" {    		//deletes a wallet from state
+		return delete_wallet(stub, args)
+	} else if function == "delete_owner" {    		//deletes an owner from state
+		return delete_owner(stub, args)
+	} else if function == "delete_beneficiary" {	//deletes a beneficiary from state
+		return delete_beneficiary(stub, args)
+	} else if function == "init_wallet" {      		//create a new wallet
+		return init_wallet(stub, args)
+	} else if function == "init_owner"{        		//create a new wallet owner
+		return init_owner(stub, args)
+	} else if function == "init_beneficiary" {      //create a new beneficiary
+		return init_beneficiary(stub, args)
+	} else if function == "set_owner" {        		//change owner of a wallet
+		return set_owner(stub, args)
+	} else if function == "set_beneficiary" {       //change owner of a wallet
+		return set_beneficiary(stub, args)
+	} else if function == "disable_owner"{     		//disable a wallet owner from appearing on the UI
+		return disable_owner(stub, args)
+	} else if function == "transfer"{     			//transfer X Units From a User to an other
+		return transfer(stub, args)
+	} else if function == "get_wallet"{     		//get wallets
+		return get_wallet(stub, args)
+	} else if function == "get_owner"{     			//get owners
+		return get_owner(stub, args)
+	} else if function == "get_beneficiary"{    	//get beneficiaries
+		return get_beneficiary(stub, args)
+	} else if function == "get_transaction"{		//get transactions
+		return get_transaction(stub, args)
+
+	// error out
+	fmt.Println("Received unknown invoke function name - " + function)
+	return shim.Error("Received unknown invoke function name - '" + function + "'")
+}
+
+
+// ============================================================================================================================
+// Query - legacy function
+// ============================================================================================================================
+func (t *SimpleChaincode) Query(stub shim.ChaincodeStubInterface) pb.Response {
+	return shim.Error("Unknown supported call - Query()")
+}
\ No newline at end of file
diff --git a/develop/Get_Class.go b/develop/Get_Class.go
new file mode 100644
index 0000000..382c37e
--- /dev/null
+++ b/develop/Get_Class.go
@@ -0,0 +1,132 @@
+package main
+
+import (
+	"encoding/json"
+	"errors"
+	"strconv"
+
+	"github.com/hyperledger/fabric/core/chaincode/shim"
+)
+
+
+// ============================================================================================================================
+// Get Wallet - get a wallet asset from ledger
+// ============================================================================================================================
+func get_wallet(stub shim.ChaincodeStubInterface, id string) (Wallet, error) {
+	var wallet Wallet
+	
+	//getState retreives a key/value from the ledger
+	walletAsBytes, err := stub.GetState(id)
+	if err != nil {
+		return wallet, errors.New("Failed to find wallet - " + id)
+	}
+	
+	//un stringify it aka JSON.parse()
+	json.Unmarshal(walletAsBytes, &wallet)
+
+	//test if wallet is actually here or just nil
+	if wallet.Id != id {
+		return wallet, errors.New("Wallet does not exist - " + id)
+	}
+
+	return wallet, nil
+}
+
+
+// ============================================================================================================================
+// Get Owner - get the owner asset from ledger
+// ============================================================================================================================
+func get_owner(stub shim.ChaincodeStubInterface, id string) (Owner, error) {
+	var owner Owner
+	
+	ownerAsBytes, err := stub.GetState(id)
+	if err != nil {
+		return owner, errors.New("Failed to get owner - " + id)
+	}
+	
+	json.Unmarshal(ownerAsBytes, &owner)
+
+	//test if owner is actually here or just nil
+	if len(owner.Username) == 0 {
+		return owner, errors.New("Owner does not exist - " + id + ", '" + owner.Username "'")
+	}
+	
+	return owner, nil
+}
+
+
+// ============================================================================================================================
+// Get Beneficiary - get the beneficiaries asset from ledger
+// ============================================================================================================================
+func get_benefeciary(stub shim.ChaincodeStubInterface, id string) (Beneficiary, error) {
+	var beneficiary Beneficiary
+	
+	//getState retreives a key/value from the ledger
+	beneficiaryAsBytes, err := stub.GetState(id)
+	if err != nil {
+		return beneficiary, errors.New("Failed to find beneficiary - " + id)
+	}
+
+	json.Unmarshal(walletAsBytes, &beneficiary)
+
+	//test if beneficiary is actually here or just nil
+	if beneficiary.Id != id {
+		return beneficiary, errors.New("Beneficiary does not exist - " + id)
+	}
+
+	return beneficiary, nil
+}
+
+
+// ============================================================================================================================
+// Get Transactions - get the transactions asset from ledger
+// ============================================================================================================================
+
+
+
+// ============================================================================================================================
+// Read - read a generic variable from ledger
+//
+// Shows Off GetState() - reading a key/value from the ledger
+// ============================================================================================================================
+func read(stub shim.ChaincodeStubInterface, args []string) pb.Response {
+	var key, jsonResp string
+	var err error
+	fmt.Println("starting read")
+
+	if len(args) != 1 {
+		return shim.Error("Incorrect number of arguments. Expecting key of the var to query")
+	}
+
+	// input sanitation
+	err = sanitize_arguments(args)
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	key = args[0]
+	valAsbytes, err := stub.GetState(key)           //get the var from ledger
+	if err != nil {
+		jsonResp = "{\"Error\":\"Failed to get state for " + key + "\"}"
+		return shim.Error(jsonResp)
+	}
+
+	fmt.Println("- end read")
+	return shim.Success(valAsbytes)                  //send it onward
+}
+
+
+// ========================================================
+// Input Sanitation - dumb input checking, look for empty strings
+// ========================================================
+func sanitize_arguments(strs []string) error{
+	for i, val:= range strs {
+		if len(val) <= 0 {
+			return errors.New("Argument " + strconv.Itoa(i) + " must be a non-empty string")
+		}
+		if len(val) > 32 {
+			return errors.New("Argument " + strconv.Itoa(i) + " must be <= 32 characters")
+		}
+	}
+	return nil
+}
\ No newline at end of file
diff --git a/develop/Ledger_Writer_Class.go b/develop/Ledger_Writer_Class.go
new file mode 100644
index 0000000..5bc8ccb
--- /dev/null
+++ b/develop/Ledger_Writer_Class.go
@@ -0,0 +1,614 @@
+package main
+
+import (
+	"encoding/json"
+	"fmt"
+	"strconv"
+	"strings"
+
+	"github.com/hyperledger/fabric/core/chaincode/shim"
+	pb "github.com/hyperledger/fabric/protos/peer"
+)
+
+
+// ============================================================================================================================
+// write() - genric write variable into ledger
+// 
+// Shows Off PutState() - writting a key/value into the ledger
+//
+// Inputs - Array of strings
+//    0   ,    1
+//   key  ,  value
+//  "abc" , "test"
+// ============================================================================================================================
+func write(stub shim.ChaincodeStubInterface, args []string) pb.Response {
+	var key, value string
+	var err error
+	fmt.Println("starting write")
+
+	if len(args) != 2 {
+		return shim.Error("Incorrect number of arguments. Expecting 2. key of the variable and value to set")
+	}
+
+	// input sanitation
+	err = sanitize_arguments(args)
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	key = args[0]
+	value = args[1]
+	err = stub.PutState(key, []byte(value))         //write the variable into the ledger
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	fmt.Println("- end write")
+	return shim.Success(nil)
+}
+
+
+// ============================================================================================================================
+// delete_wallet() - remove a wallet from state and from wallet index
+// 
+// Shows Off DelState() - "removing" a key/value from the ledger
+//
+// Inputs - Array of strings
+//      0      ,         1
+//     id      ,  authorized_by_association
+// ============================================================================================================================
+func delete_wallet(stub shim.ChaincodeStubInterface, args []string) (pb.Response) {
+	fmt.Println("starting delete_wallet")
+
+	if len(args) != 2 {
+		return shim.Error("Incorrect number of arguments. Expecting 2")
+	}
+
+	// input sanitation
+	err := sanitize_arguments(args)
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	id := args[0]
+	authorized_by_association := args[1]
+
+	// get the wallet
+	wallet, err := get_wallet(stub, id)
+	if err != nil{
+		fmt.Println("Failed to find wallet by id " + id)
+		return shim.Error(err.Error())
+	}
+
+	// check authorizing organisation
+	if wallet.Owner.Association != authorized_by_association{
+		return shim.Error("The association '" + authorized_by_association + "' cannot authorize deletion for '" + wallet.Owner.Association + "'.")
+	}
+
+	// remove the wallet
+	err = stub.DelState(id)                                                 //remove the key from chaincode state
+	if err != nil {
+		return shim.Error("Failed to delete state")
+	}
+
+	fmt.Println("- end delete_wallet")
+	return shim.Success(nil)
+}
+
+
+// ============================================================================================================================
+// delete_owner() - remove an owner from state and from owner index
+// 
+// ============================================================================================================================
+func delete_owner(stub shim.ChaincodeStubInterface, args []string) (pb.Response) {
+	fmt.Println("starting delete_owner")
+
+	if len(args) != 2 {
+		return shim.Error("Incorrect number of arguments. Expecting 2")
+	}
+
+	// input sanitation
+	err := sanitize_arguments(args)
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	id := args[0]
+	authorized_by_association := args[1]
+
+	// get the owner
+	owner, err := get_owner(stub, id)
+	if err != nil{
+		fmt.Println("Failed to find owner by id " + id)
+		return shim.Error(err.Error())
+	}
+
+	// check authorizing organisation
+	if Owner.Association != authorized_by_association{
+		return shim.Error("The association '" + authorized_by_association + "' cannot authorize deletion for '" + Owner.Association + "'.")
+	}
+
+	// remove the owner
+	err = stub.DelState(id)                                                 //remove the key from chaincode state
+	if err != nil {
+		return shim.Error("Failed to delete state")
+	}
+
+	fmt.Println("- end delete_owner")
+	return shim.Success(nil)
+}
+
+
+// ============================================================================================================================
+// delete_beneficiary() - remove a beneficiary from state and from beneficiary index
+// 
+// ============================================================================================================================
+func delete_beneficiary(stub shim.ChaincodeStubInterface, args []string) (pb.Response) {
+	fmt.Println("starting delete_beneficiary")
+
+	if len(args) != 2 {
+		return shim.Error("Incorrect number of arguments. Expecting 2")
+	}
+
+	// input sanitation
+	err := sanitize_arguments(args)
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	id := args[0]
+	authorized_by_association := args[1]
+
+	// get the beneficiary
+	beneficiary, err := get_beneficiary(stub, id)
+	if err != nil{
+		fmt.Println("Failed to find beneficiary by id " + id)
+		return shim.Error(err.Error())
+	}
+
+	// check authorizing organisation
+	if beneficiary.Owner.Association != authorized_by_association{
+		return shim.Error("The association '" + authorized_by_association + "' cannot authorize deletion for '" + beneficiary.Owner.Association + "'.")
+	}
+
+	// remove the beneficiary
+	err = stub.DelState(id)                                                 //remove the key from chaincode state
+	if err != nil {
+		return shim.Error("Failed to delete state")
+	}
+
+	fmt.Println("- end delete_beneficiary")
+	return shim.Success(nil)
+}
+
+
+// ============================================================================================================================
+// Init Wallet - create a new wallet, store into chaincode state
+//
+// Shows off building a key's JSON value manually
+//
+// Inputs - Array of strings
+//      0      ,    1  		,      	2         ,       3
+//     id      ,  balance	,     owner id    ,  authorization
+// ============================================================================================================================
+func init_wallet(stub shim.ChaincodeStubInterface, args []string) (pb.Response) {
+	var err error
+	fmt.Println("starting init_wallet")
+
+	if len(args) != 4 {
+		return shim.Error("Incorrect number of arguments. Expecting 4")
+	}
+
+	err = sanitize_arguments(args)
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	id := args[0]
+	owner_id := args[2]
+	authorized_by_association := args[3]
+	balance, err := strconv.Atoi(args[1])
+	if err != nil {
+		return shim.Error("Second argument must be a numeric string")
+	}	
+
+	//check if new owner exists
+	owner, err := get_owner(stub, owner_id)
+	if err != nil {
+		fmt.Println("Failed to find owner - " + owner_id)
+		return shim.Error(err.Error())
+	}
+
+	//check authorizing organisation
+	if owner.Association != authorized_by_association{
+		return shim.Error("The association '" + authorized_by_association + "' cannot authorize creation for '" + owner.Association + "'.")
+	}
+
+	//check if wallet id already exists
+	wallet, err := get_wallet(stub, id)
+	if err == nil {
+		fmt.Println("This wallet already exists - " + id)
+		fmt.Println(wallet)
+		return shim.Error("This wallet already exists - " + id)
+	}
+
+	//build the wallet json string manually
+	str := `{
+		"docType":"wallet", 
+		"id": "` + id + `", 
+		"balance": "` + balance + `", 
+		"owner": {
+			"id": "` + owner_id + `", 
+			"name": "` + owner.Name + `", 
+			"firstname": "` + owner.Firstname + `"
+		}
+	}`
+	err = stub.PutState(id, []byte(str))                         //store wallet with id as key
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	fmt.Println("- end init_wallet")
+	return shim.Success(nil)
+}
+
+
+// ============================================================================================================================
+// Init Owner - create a new owner, store into chaincode state
+//
+// Shows off building key's value from GoLang Structure
+//
+// ============================================================================================================================
+func init_owner(stub shim.ChaincodeStubInterface, args []string) pb.Response {
+	var err error
+	fmt.Println("starting init_owner")
+
+	if len(args) != 9 {
+		return shim.Error("Incorrect number of arguments. Expecting 9")
+	}
+
+	err = sanitize_arguments(args)
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	var owner Owner
+	owner.ObjectType = "wallet_owner"
+	owner.Id = args[0]
+	owner.Name = strings.ToLower(args[1])
+	owner.Firstname = strings.ToLower(args[2])
+	owner.Mail = strings.ToLower(args[3])
+	owner.Address = strings.ToLower(args[4])
+	owner.City = strings.ToLower(args[5])
+	owner.Password = strings.ToLower(args[7])
+	owner.Association = args[8]
+	owner.Enabled = true
+	Postalcode, err := strconv.Atoi(args[6])
+	if err != nil {
+		return shim.Error("Seventh argument must be a numeric string")
+	}	
+	
+	fmt.Println(owner)
+
+	//check if user already exists
+	_, err = get_owner(stub, owner.Id)
+	if err == nil {
+		fmt.Println("This owner already exists - " + owner.Id)
+		return shim.Error("This owner already exists - " + owner.Id)
+	}
+
+	//store user
+	ownerAsBytes, _ := json.Marshal(owner)                         //convert to array of bytes
+	err = stub.PutState(owner.Id, ownerAsBytes)                    //store owner by its Id
+	if err != nil {
+		fmt.Println("Could not store user")
+		return shim.Error(err.Error())
+	}
+
+	fmt.Println("- end init_owner wallet")
+	return shim.Success(nil)
+}
+
+
+// ============================================================================================================================
+// Init Beneficiary - create a new beneficiary, store into chaincode state
+//
+// Shows off building a key's JSON value manually
+//
+// Inputs - Array of strings
+//      0      ,    1  		,      	2         ,       3
+//     id      ,  balance	,     owner id    ,  authorization
+// ============================================================================================================================
+func init_beneficiary(stub shim.ChaincodeStubInterface, args []string) (pb.Response) {
+	var err error
+	fmt.Println("starting init_beneficiary")
+
+	if len(args) != 6 {
+		return shim.Error("Incorrect number of arguments. Expecting 6")
+	}
+
+	err = sanitize_arguments(args)
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	id := args[0]
+	idBenef := args[1]
+	nameBenef := strings.ToLower(args[2])
+	firstnameBenef := strings.ToLower(args[3])
+	owner_id := args[4]
+	authorized_by_association := args[5]
+
+	//check if new owner exists
+	owner, err := get_owner(stub, owner_id)
+	if err != nil {
+		fmt.Println("Failed to find owner - " + owner_id)
+		return shim.Error(err.Error())
+	}
+
+	//check authorizing organisation
+	if owner.Association != authorized_by_association{
+		return shim.Error("The association '" + authorized_by_association + "' cannot authorize creation for '" + owner.Association + "'.")
+	}
+
+	//check if beneficiary id already exists
+	beneficiary, err := get_beneficiary(stub, id)
+	if err == nil {
+		fmt.Println("This beneficiary already exists - " + id)
+		fmt.Println(beneficiary)
+		return shim.Error("This beneficiary already exists - " + id)
+	}
+
+	//build the beneficiary json string manually
+	str := `{
+		"docType":"beneficiary", 
+		"id": "` + id + `", 
+		"idbenef": "` + idbenef + `", 
+		"namebenef": "` + namebenef + `", 
+		"firstnamebenef": "` + firstnamebenef + `", 
+		"owner": {
+			"id": "` + owner_id + `", 
+			"name": "` + owner.Name + `", 
+			"firstname": "` + owner.Firstname + `"
+		}
+	}`
+	err = stub.PutState(id, []byte(str))                         //store beneficiary with id as key
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	fmt.Println("- end init_beneficiary")
+	return shim.Success(nil)
+}
+
+
+// ============================================================================================================================
+// Set Owner on Wallet
+//
+// Shows off GetState() and PutState()
+//
+// ============================================================================================================================
+func set_owner(stub shim.ChaincodeStubInterface, args []string) pb.Response {
+	var err error
+	fmt.Println("starting set_owner")
+
+	// this is quirky
+	// todo - get the "association that authed the transfer" from the certificate instead of an argument
+	// should be possible since we can now add attributes to the enrollment cert
+	// as is.. this is a bit broken (security wise), but it's much much easier to demo! holding off for demos sake
+
+	if len(args) != 3 {
+		return shim.Error("Incorrect number of arguments. Expecting 3")
+	}
+
+	// input sanitation
+	err = sanitize_arguments(args)
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	var wallet_id = args[0]
+	var new_owner_id = args[1]
+	var authorized_by_association = args[2]
+	fmt.Println(wallet_id + "->" + new_owner_id + " - |" + authorized_by_association)
+
+	// check if user already exists
+	owner, err := get_owner(stub, new_owner_id)
+	if err != nil {
+		return shim.Error("This owner does not exist - " + new_owner_id)
+	}
+
+	// get wallet's current state
+	walletAsBytes, err := stub.GetState(wallet_id)
+	if err != nil {
+		return shim.Error("Failed to get wallet")
+	}
+	res := Wallet{}
+	json.Unmarshal(walletAsBytes, &res)
+
+	// check authorizing association
+	if res.Owner.Association != authorized_by_association{
+		return shim.Error("The Association '" + authorized_by_association + "' cannot authorize transfers for '" + res.Owner.Association + "'.")
+	}
+
+	// transfer the wallet
+	res.Owner.Id = new_owner_id                   //change the owner
+	res.Owner.Name = owner.Name
+	res.Owner.Firstname = owner.Firstname
+	res.Owner.Association = owner.Association
+	jsonAsBytes, _ := json.Marshal(res)           //convert to array of bytes
+	err = stub.PutState(args[0], jsonAsBytes)     //rewrite the wallet with id as key
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	fmt.Println("- end set owner")
+	return shim.Success(nil)
+}
+
+
+// ============================================================================================================================
+// Set Beneficiaries
+//
+// ============================================================================================================================
+func set_beneficiary(stub shim.ChaincodeStubInterface, args []string) pb.Response {
+	var err error
+	fmt.Println("starting set_beneficiary")
+
+	if len(args) != 3 {
+		return shim.Error("Incorrect number of arguments. Expecting 3")
+	}
+
+	// input sanitation
+	err = sanitize_arguments(args)
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	var beneficiary_id = args[0]
+	var new_owner_id = args[1]
+	var authorized_by_association = args[2]
+	fmt.Println(beneficiary_id + "->" + new_owner_id + " - |" + authorized_by_association)
+
+	// check if user already exists
+	owner, err := get_owner(stub, new_owner_id)
+	if err != nil {
+		return shim.Error("This owner does not exist - " + new_owner_id)
+	}
+
+	// get beneficiary's current state
+	beneficiaryAsBytes, err := stub.GetState(beneficiary_id)
+	if err != nil {
+		return shim.Error("Failed to get beneficiary")
+	}
+	res := Beneficiary{}
+	json.Unmarshal(beneficiaryAsBytes, &res)
+
+	// check authorizing association
+	if res.Owner.Association != authorized_by_association{
+		return shim.Error("The Association '" + authorized_by_association + "' cannot authorize transfers for '" + res.Owner.Association + "'.")
+	}
+
+	// transfer the beneficiary
+	res.Owner.Id = new_owner_id                   //change the owner
+	res.Owner.Name = owner.Name
+	res.Owner.Firstname = owner.Firstname
+	res.Owner.Association = owner.Association
+	jsonAsBytes, _ := json.Marshal(res)           //convert to array of bytes
+	err = stub.PutState(args[0], jsonAsBytes)     //rewrite the wallet with id as key
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	fmt.Println("- end set owner")
+	return shim.Success(nil)
+}
+
+
+// ============================================================================================================================
+// Disable Wallet Owner
+//
+// Shows off PutState()
+// ============================================================================================================================
+func disable_owner(stub shim.ChaincodeStubInterface, args []string) pb.Response {
+	var err error
+	fmt.Println("starting disable_owner")
+
+	if len(args) != 2 {
+		return shim.Error("Incorrect number of arguments. Expecting 2")
+	}
+
+	// input sanitation
+	err = sanitize_arguments(args)
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	var owner_id = args[0]
+	var authorized_by_association = args[1]
+
+	// get the wallet owner data
+	owner, err := get_owner(stub, owner_id)
+	if err != nil {
+		return shim.Error("This owner does not exist - " + owner_id)
+	}
+
+	// check authorizing association
+	if owner.Association != authorized_by_association {
+		return shim.Error("The association '" + authorized_by_association + "' cannot change another association wallet owner")
+	}
+
+	// disable the owner
+	owner.Enabled = false
+	jsonAsBytes, _ := json.Marshal(owner)         //convert to array of bytes
+	err = stub.PutState(args[0], jsonAsBytes)     //rewrite the owner
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+
+	fmt.Println("- end disable_owner")
+	return shim.Success(nil)
+}
+
+
+// ============================================================================================================================
+// Transfer X Money From a User to a Recipient
+//
+// ============================================================================================================================
+func transfer(stub shim.ChaincodeStubInterface, args []string) pb.Response {
+	var err error
+	fmt.Println("starting transfer")
+
+	if len(args) != 3 {
+		return shim.Error("Incorrect number of arguments. Expecting 3")
+	}
+
+	// input sanitation
+	err = sanitize_arguments(args)
+	if err != nil {
+		return shim.Error(err.Error())
+	}
+	
+	id := args[0]
+	dest_id := args[1]
+
+	// Get the state from the ledger
+	// TODO: will be nice to have a GetAllState call to ledger
+	Avalbytes, err := stub.GetState(id)
+	if err != nil {
+		return nil, errors.New("Failed to get state")
+	}
+	if Avalbytes == nil {
+		return nil, errors.New("Entity not found")
+	}
+	Aval, _ = strconv.Atoi(string(Avalbytes))
+
+	Bvalbytes, err := stub.GetState(dest_id)
+	if err != nil {
+		return nil, errors.New("Failed to get state")
+	}
+	if Bvalbytes == nil {
+		return nil, errors.New("Entity not found")
+	}
+	Bval, _ = strconv.Atoi(string(Bvalbytes))
+	
+	// Perform the execution
+	value, err = strconv.Atoi(args[2])
+	Aval = Wallet.Balance - value
+	Bval = Wallet.Balance + value
+	fmt.Printf("Aval = %d, Bval = %d\n", Aval, Bval)
+		
+	// Write the state back to the ledger
+	err = stub.PutState(id, []byte(strconv.Itoa(Aval)))
+	if err != nil {
+		return nil, err
+	}
+
+	err = stub.PutState(dest_id, []byte(strconv.Itoa(Bval)))
+	if err != nil {
+		return nil, err
+	}
+
+	fmt.Println("- end transfer")
+	return shim.Success(nil)
+}
\ No newline at end of file