diff --git a/lib/customer.rb b/lib/customer.rb
index a295875811855cb47014614502405f4d23ff4041..5cf426a180217952b97f9c1fd8456c1cf9b1d9bb 100644
--- a/lib/customer.rb
+++ b/lib/customer.rb
@@ -4,10 +4,11 @@ require "forwardable"
 
 require_relative "./api"
 require_relative "./blather_ext"
-require_relative "./customer_info"
-require_relative "./customer_ogm"
-require_relative "./customer_plan"
 require_relative "./customer_usage"
+require_relative "./customer_plan"
+require_relative "./customer_ogm"
+require_relative "./customer_info"
+require_relative "./customer_finacials"
 require_relative "./backend_sgx"
 require_relative "./ibr"
 require_relative "./payment_methods"
@@ -27,6 +28,9 @@ class Customer
 	def_delegators :@sgx, :register!, :registered?, :set_ogm_url,
 	               :fwd, :transcription_enabled
 	def_delegators :@usage, :usage_report, :message_usage, :incr_message_usage
+	def_delegators :@financials, :payment_methods, :btc_addresses,
+	               :add_btc_address, :declines, :mark_decline,
+	               :transactions
 
 	def initialize(
 		customer_id,
@@ -38,6 +42,7 @@ class Customer
 	)
 		@plan = plan
 		@usage = CustomerUsage.new(customer_id)
+		@financials = CustomerFinancials.new(customer_id)
 		@customer_id = customer_id
 		@jid = jid
 		@balance = balance
@@ -61,14 +66,6 @@ class Customer
 		)
 	end
 
-	def payment_methods
-		BRAINTREE
-			.customer
-			.find(@customer_id)
-			.catch { OpenStruct.new(payment_methods: []) }
-			.then(PaymentMethods.method(:for_braintree_customer))
-	end
-
 	def unused_invites
 		promise = DB.query_defer(<<~SQL, [customer_id])
 			SELECT code FROM unused_invites WHERE creator_id=$1
@@ -105,23 +102,6 @@ class Customer
 		sip_account.with_random_password.put
 	end
 
-	def btc_addresses
-		REDIS.smembers("jmp_customer_btc_addresses-#{customer_id}")
-	end
-
-	def add_btc_address
-		REDIS.spopsadd([
-			"jmp_available_btc_addresses",
-			"jmp_customer_btc_addresses-#{customer_id}"
-		]).then do |addr|
-			ELECTRUM.notify(
-				addr,
-				CONFIG[:electrum_notify_url].call(addr, customer_id)
-			)
-			addr
-		end
-	end
-
 	def admin?
 		CONFIG[:admins].include?(jid.to_s)
 	end
diff --git a/lib/customer_finacials.rb b/lib/customer_finacials.rb
new file mode 100644
index 0000000000000000000000000000000000000000..a39dfa63ebaa958d5f4d51efb6a9f400e253236f
--- /dev/null
+++ b/lib/customer_finacials.rb
@@ -0,0 +1,74 @@
+# frozen_string_literal: true
+
+class CustomerFinancials
+	def initialize(customer_id)
+		@customer_id = customer_id
+	end
+
+	def payment_methods
+		BRAINTREE
+			.customer
+			.find(@customer_id)
+			.catch { OpenStruct.new(payment_methods: []) }
+			.then(PaymentMethods.method(:for_braintree_customer))
+	end
+
+	def btc_addresses
+		REDIS.smembers("jmp_customer_btc_addresses-#{@customer_id}")
+	end
+
+	def add_btc_address
+		REDIS.spopsadd([
+			"jmp_available_btc_addresses",
+			"jmp_customer_btc_addresses-#{@customer_id}"
+		]).then do |addr|
+			ELECTRUM.notify(
+				addr,
+				CONFIG[:electrum_notify_url].call(addr, @customer_id)
+			)
+			addr
+		end
+	end
+
+	def declines
+		REDIS.get("jmp_pay_decline-#{@customer_id}")
+	end
+
+	def mark_decline
+		REDIS.incr("jmp_pay_decline-#{@customer_id}").then do
+			REDIS.expire("jmp_pay_decline-#{@customer_id}", 60 * 60 * 24)
+		end
+	end
+
+	class TransactionInfo
+		value_semantics do
+			transaction_id String
+			created_at Time
+			amount BigDecimal
+			note String
+		end
+
+		def formatted_amount
+			"$%.4f" % amount
+		end
+	end
+
+	TRANSACTIONS_SQL = <<~SQL
+		SELECT
+			transaction_id,
+			created_at,
+			amount,
+			note
+		FROM transactions WHERE customer_id = $1;
+	SQL
+
+	def transactions
+		txns = DB.query_defer(TRANSACTIONS_SQL, [@customer_id])
+
+		txns.then do |rows|
+			rows.map { |row|
+				TransactionInfo.new(**row.transform_keys(&:to_sym))
+			}
+		end
+	end
+end
diff --git a/lib/transaction.rb b/lib/transaction.rb
index 5d55f8f5bed41c168815044e60bd66e93451d9c8..72b11324d3f4cc658f860e4a3a8988c5d4112ffc 100644
--- a/lib/transaction.rb
+++ b/lib/transaction.rb
@@ -4,7 +4,7 @@ require "bigdecimal"
 
 class Transaction
 	def self.sale(customer, amount:, payment_method: nil)
-		REDIS.get("jmp_pay_decline-#{customer.customer_id}").then do |declines|
+		customer.declines.then do |declines|
 			raise "too many declines" if declines.to_i >= 2
 
 			BRAINTREE.transaction.sale(
@@ -20,9 +20,7 @@ class Transaction
 	def self.decline_guard(customer, response)
 		return if response.success?
 
-		REDIS.incr("jmp_pay_decline-#{customer.customer_id}").then do
-			REDIS.expire("jmp_pay_decline-#{customer.customer_id}", 60 * 60 * 24)
-		end
+		customer.mark_decline
 		raise response.message
 	end
 
diff --git a/test/test_alt_top_up_form.rb b/test/test_alt_top_up_form.rb
index 264c099e31ed8af8a2533cc29ac38f54b2d3603d..ab552d8559aa58f78dde9dde3a06690e17f22803 100644
--- a/test/test_alt_top_up_form.rb
+++ b/test/test_alt_top_up_form.rb
@@ -6,7 +6,7 @@ require "customer"
 
 class AltTopUpFormTest < Minitest::Test
 	def test_for
-		Customer::REDIS.expect(
+		CustomerFinancials::REDIS.expect(
 			:smembers,
 			EMPromise.resolve([]),
 			["jmp_customer_btc_addresses-test"]
@@ -19,7 +19,7 @@ class AltTopUpFormTest < Minitest::Test
 	em :test_for
 
 	def test_for_addresses
-		Customer::REDIS.expect(
+		CustomerFinancials::REDIS.expect(
 			:smembers,
 			EMPromise.resolve(["testaddr"]),
 			["jmp_customer_btc_addresses-test"]
@@ -32,7 +32,7 @@ class AltTopUpFormTest < Minitest::Test
 	em :test_for_addresses
 
 	def test_for_cad
-		Customer::REDIS.expect(
+		CustomerFinancials::REDIS.expect(
 			:smembers,
 			EMPromise.resolve([]),
 			["jmp_customer_btc_addresses-test"]
diff --git a/test/test_buy_account_credit_form.rb b/test/test_buy_account_credit_form.rb
index 8268bddc140df60636ac642340406c752103beda..0c5300838e9824dfc179abddab33189ccd77cff3 100644
--- a/test/test_buy_account_credit_form.rb
+++ b/test/test_buy_account_credit_form.rb
@@ -17,7 +17,7 @@ class BuyAccountCreditFormTest < Minitest::Test
 
 	def test_for
 		braintree_customer = Minitest::Mock.new
-		Customer::BRAINTREE.expect(:customer, braintree_customer)
+		CustomerFinancials::BRAINTREE.expect(:customer, braintree_customer)
 		braintree_customer.expect(
 			:find,
 			EMPromise.resolve(OpenStruct.new(payment_methods: [])),
diff --git a/test/test_customer.rb b/test/test_customer.rb
index 9a0836d929e44a6423c40368433c1b6e6809759f..360cf4876336e45130d676f7244c4fa993de70a5 100644
--- a/test/test_customer.rb
+++ b/test/test_customer.rb
@@ -5,13 +5,15 @@ require "customer"
 
 Customer::BLATHER = Minitest::Mock.new
 Customer::BRAINTREE = Minitest::Mock.new
-Customer::ELECTRUM = Minitest::Mock.new
 Customer::REDIS = Minitest::Mock.new
 Customer::DB = Minitest::Mock.new
 Customer::IQ_MANAGER = Minitest::Mock.new
 CustomerPlan::DB = Minitest::Mock.new
 CustomerUsage::REDIS = Minitest::Mock.new
 CustomerUsage::DB = Minitest::Mock.new
+CustomerFinancials::REDIS = Minitest::Mock.new
+CustomerFinancials::ELECTRUM = Minitest::Mock.new
+CustomerFinancials::BRAINTREE = Minitest::Mock.new
 
 class CustomerTest < Minitest::Test
 	def test_bill_plan_activate
@@ -191,7 +193,7 @@ class CustomerTest < Minitest::Test
 	em :test_sip_account_error
 
 	def test_btc_addresses
-		Customer::REDIS.expect(
+		CustomerFinancials::REDIS.expect(
 			:smembers,
 			EMPromise.resolve(["testaddr"]),
 			["jmp_customer_btc_addresses-test"]
@@ -202,19 +204,19 @@ class CustomerTest < Minitest::Test
 	em :test_btc_addresses
 
 	def test_add_btc_address
-		Customer::REDIS.expect(
+		CustomerFinancials::REDIS.expect(
 			:spopsadd,
 			EMPromise.resolve("testaddr"),
 			[["jmp_available_btc_addresses", "jmp_customer_btc_addresses-test"]]
 		)
-		Customer::ELECTRUM.expect(
+		CustomerFinancials::ELECTRUM.expect(
 			:notify,
 			EMPromise.resolve(nil),
 			["testaddr", "http://notify.example.com"]
 		)
 		assert_equal "testaddr", customer.add_btc_address.sync
-		assert_mock Customer::REDIS
-		assert_mock Customer::ELECTRUM
+		assert_mock CustomerFinancials::REDIS
+		assert_mock CustomerFinancials::ELECTRUM
 	end
 	em :test_add_btc_address
 end
diff --git a/test/test_low_balance.rb b/test/test_low_balance.rb
index afa81d19b16eff60dcb856beccefb8a56bbfaacb..d639d44bb00709bbb849e86b7301db70f4732d33 100644
--- a/test/test_low_balance.rb
+++ b/test/test_low_balance.rb
@@ -5,7 +5,7 @@ require "low_balance"
 
 ExpiringLock::REDIS = Minitest::Mock.new
 CustomerPlan::REDIS = Minitest::Mock.new
-Customer::REDIS = Minitest::Mock.new
+CustomerFinancials::REDIS = Minitest::Mock.new
 
 class LowBalanceTest < Minitest::Test
 	def test_for_locked
@@ -24,7 +24,7 @@ class LowBalanceTest < Minitest::Test
 			EMPromise.resolve(0),
 			["jmp_customer_low_balance-test"]
 		)
-		Customer::REDIS.expect(
+		CustomerFinancials::REDIS.expect(
 			:smembers,
 			EMPromise.resolve([]),
 			["jmp_customer_btc_addresses-test"]
diff --git a/test/test_registration.rb b/test/test_registration.rb
index 06ee38ab314259536b359c5414d857b4bc920186..00b75e51761fbad390c517783391c723f2df9f7f 100644
--- a/test/test_registration.rb
+++ b/test/test_registration.rb
@@ -254,7 +254,7 @@ class RegistrationTest < Minitest::Test
 	end
 
 	class PaymentTest < Minitest::Test
-		Customer::BRAINTREE = Minitest::Mock.new
+		CustomerFinancials::BRAINTREE = Minitest::Mock.new
 
 		def test_for_bitcoin
 			cust = Minitest::Mock.new(customer)
@@ -273,7 +273,7 @@ class RegistrationTest < Minitest::Test
 
 		def test_for_credit_card
 			braintree_customer = Minitest::Mock.new
-			Customer::BRAINTREE.expect(
+			CustomerFinancials::BRAINTREE.expect(
 				:customer,
 				braintree_customer
 			)
@@ -313,7 +313,7 @@ class RegistrationTest < Minitest::Test
 
 		class BitcoinTest < Minitest::Test
 			Registration::Payment::Bitcoin::BTC_SELL_PRICES = Minitest::Mock.new
-			Customer::REDIS = Minitest::Mock.new
+			CustomerFinancials::REDIS = Minitest::Mock.new
 
 			def setup
 				@customer = Minitest::Mock.new(
@@ -330,7 +330,7 @@ class RegistrationTest < Minitest::Test
 			end
 
 			def test_write
-				Customer::REDIS.expect(
+				CustomerFinancials::REDIS.expect(
 					:smembers,
 					EMPromise.resolve([]),
 					["jmp_customer_btc_addresses-test"]
diff --git a/test/test_transaction.rb b/test/test_transaction.rb
index d87b7bd13e3785b5442f61271ab711d571b95777..69a4b0220f2573c34c157be566e88c9b3c7c7ccb 100644
--- a/test/test_transaction.rb
+++ b/test/test_transaction.rb
@@ -18,17 +18,17 @@ class TransactionTest < Minitest::Test
 		)
 
 	def test_sale_fails
-		Transaction::REDIS.expect(
+		CustomerFinancials::REDIS.expect(
 			:get,
 			EMPromise.resolve("1"),
 			["jmp_pay_decline-test"]
 		)
-		Transaction::REDIS.expect(
+		CustomerFinancials::REDIS.expect(
 			:incr,
 			EMPromise.resolve(nil),
 			["jmp_pay_decline-test"]
 		)
-		Transaction::REDIS.expect(
+		CustomerFinancials::REDIS.expect(
 			:expire,
 			EMPromise.resolve(nil),
 			["jmp_pay_decline-test", 60 * 60 * 24]
@@ -49,11 +49,12 @@ class TransactionTest < Minitest::Test
 				payment_method: OpenStruct.new(token: "token")
 			).sync
 		end
+		assert_mock CustomerFinancials::REDIS
 	end
 	em :test_sale_fails
 
 	def test_sale
-		Transaction::REDIS.expect(
+		CustomerFinancials::REDIS.expect(
 			:get,
 			EMPromise.resolve("1"),
 			["jmp_pay_decline-test"]
@@ -81,6 +82,7 @@ class TransactionTest < Minitest::Test
 			payment_method: OpenStruct.new(token: "token")
 		).sync
 		assert_kind_of Transaction, result
+		assert_mock CustomerFinancials::REDIS
 	end
 	em :test_sale