diff --git a/.github/workflows/sub_gradle_test_and_build.yml b/.github/workflows/sub_gradle_test_and_build.yml
index 4f8243b88f..f12c9929ee 100644
--- a/.github/workflows/sub_gradle_test_and_build.yml
+++ b/.github/workflows/sub_gradle_test_and_build.yml
@@ -69,7 +69,6 @@ jobs:
           run_all_servers: false
           run_sep_server: true
           run_platform_server: true
-          run_reference_server: true
           run_observer: true
           run_kotlin_reference_server: true
           # Running wallet server is not required for sep tests. However, running wallet server
@@ -94,7 +93,7 @@ jobs:
 
       - name: Run Stellar validation tool
         run: |
-          docker run --network host -v ${GITHUB_WORKSPACE}/platform/src/test/resources://config stellar/anchor-tests:v0.5.12 --home-domain http://host.docker.internal:8080 --seps 1 10 12 24 31 38 --sep-config //config/stellar-anchor-tests-sep-config.json
+          docker run --network host -v ${GITHUB_WORKSPACE}/platform/src/test/resources://config stellar/anchor-tests:v0.5.12 --home-domain http://host.docker.internal:8080 --seps 1 10 24 31 38 --sep-config //config/stellar-anchor-tests-sep-config.json
 
   analyze:
     name: CodeQL Analysis
diff --git a/.run/Run - Kotlin Reference Server - no Docker.run.xml b/.run/Run - Kotlin Reference Server - no Docker.run.xml
index 1e264fedb8..850b6fea1c 100644
--- a/.run/Run - Kotlin Reference Server - no Docker.run.xml	
+++ b/.run/Run - Kotlin Reference Server - no Docker.run.xml	
@@ -1,8 +1,8 @@
 <component name="ProjectRunConfigurationManager">
   <configuration default="false" name="Run - Kotlin Reference Server - no Docker" type="JetRunConfigurationType">
     <envs>
-      <env name="TEST_PROFILE_NAME" value="sep24" />
       <env name="sep24.enableTest" value="true" />
+      <env name="TEST_PROFILE_NAME" value="default" />
     </envs>
     <option name="MAIN_CLASS_NAME" value="org.stellar.anchor.platform.run_profiles.RunKotlinReferenceServer" />
     <module name="java-stellar-anchor-sdk.service-runner.main" />
diff --git a/.run/Test - End2End Test - no fullstack.run.xml b/.run/Test - End2End Test - no fullstack.run.xml
index 1f7280db41..3f8fff80d4 100644
--- a/.run/Test - End2End Test - no fullstack.run.xml	
+++ b/.run/Test - End2End Test - no fullstack.run.xml	
@@ -23,7 +23,7 @@
     <option name="METHOD_NAME" value="" />
     <option name="TEST_OBJECT" value="class" />
     <envs>
-      <env name="TEST_PROFILE_NAME" value="sep24" />
+      <env name="TEST_PROFILE_NAME" value="default" />
       <env name="run_all_servers" value="false" />
       <env name="run_docker" value="false" />
     </envs>
diff --git a/.run/Test - End2End Test - with fullstack.run.xml b/.run/Test - End2End Test - with fullstack.run.xml
index f4cec10219..853793a7fa 100644
--- a/.run/Test - End2End Test - with fullstack.run.xml	
+++ b/.run/Test - End2End Test - with fullstack.run.xml	
@@ -23,7 +23,7 @@
     <option name="METHOD_NAME" value="" />
     <option name="TEST_OBJECT" value="class" />
     <envs>
-      <env name="TEST_PROFILE_NAME" value="sep24" />
+      <env name="TEST_PROFILE_NAME" value="default" />
       <env name="run_all_servers" value="true" />
       <env name="run_docker" value="true" />
     </envs>
diff --git a/api-schema/src/main/java/org/stellar/anchor/api/callback/GetCustomerResponse.java b/api-schema/src/main/java/org/stellar/anchor/api/callback/GetCustomerResponse.java
index ad5d014f28..8653760ec2 100644
--- a/api-schema/src/main/java/org/stellar/anchor/api/callback/GetCustomerResponse.java
+++ b/api-schema/src/main/java/org/stellar/anchor/api/callback/GetCustomerResponse.java
@@ -3,7 +3,10 @@
 import com.google.gson.Gson;
 import com.google.gson.annotations.SerializedName;
 import java.util.Map;
+import lombok.AllArgsConstructor;
+import lombok.Builder;
 import lombok.Data;
+import lombok.NoArgsConstructor;
 import org.stellar.anchor.api.sep.sep12.Sep12GetCustomerResponse;
 import org.stellar.anchor.api.shared.CustomerField;
 import org.stellar.anchor.api.shared.ProvidedCustomerField;
@@ -16,6 +19,9 @@
  *     API</a>
  */
 @Data
+@NoArgsConstructor
+@AllArgsConstructor
+@Builder
 public class GetCustomerResponse {
   String id;
   String status;
diff --git a/api-schema/src/main/java/org/stellar/anchor/api/callback/GetUniqueAddressRequest.java b/api-schema/src/main/java/org/stellar/anchor/api/callback/GetUniqueAddressRequest.java
new file mode 100644
index 0000000000..40b570475d
--- /dev/null
+++ b/api-schema/src/main/java/org/stellar/anchor/api/callback/GetUniqueAddressRequest.java
@@ -0,0 +1,14 @@
+package org.stellar.anchor.api.callback;
+
+import com.google.gson.annotations.SerializedName;
+import lombok.AllArgsConstructor;
+import lombok.Builder;
+import lombok.Data;
+
+@Data
+@Builder
+@AllArgsConstructor
+public class GetUniqueAddressRequest {
+  @SerializedName("transaction_id")
+  String transactionId;
+}
diff --git a/api-schema/src/main/java/org/stellar/anchor/api/callback/PutCustomerResponse.java b/api-schema/src/main/java/org/stellar/anchor/api/callback/PutCustomerResponse.java
index 53477c8276..4abc8295b3 100644
--- a/api-schema/src/main/java/org/stellar/anchor/api/callback/PutCustomerResponse.java
+++ b/api-schema/src/main/java/org/stellar/anchor/api/callback/PutCustomerResponse.java
@@ -1,7 +1,9 @@
 package org.stellar.anchor.api.callback;
 
 import com.google.gson.Gson;
+import lombok.AllArgsConstructor;
 import lombok.Data;
+import lombok.NoArgsConstructor;
 import org.stellar.anchor.api.sep.sep12.Sep12PutCustomerResponse;
 
 /**
@@ -12,6 +14,8 @@
  *     API</a>
  */
 @Data
+@NoArgsConstructor
+@AllArgsConstructor
 public class PutCustomerResponse {
   String id;
 
diff --git a/gradle/libs.versions.toml b/gradle/libs.versions.toml
index ed6c3b4704..2daa9db1a5 100644
--- a/gradle/libs.versions.toml
+++ b/gradle/libs.versions.toml
@@ -14,6 +14,7 @@ commons-validator = "1.7"
 commons-text = "1.10.0"
 docker-compose-rule = "1.9.0"
 dotenv = "2.3.2"
+exposed = "0.41.1"
 findbugs-jsr305 = "3.0.2"
 flyway-core = "8.5.13"
 google-gson = "2.8.9"
@@ -34,7 +35,7 @@ kafka-json-schema = "7.0.1"
 kotlin = "1.8.20"
 kotlin-logging = "3.0.2"
 kotlinx-json = "1.5.0"
-ktor = "2.3.0"
+ktor = "2.3.3"
 log4j = "2.19.0"
 log4j-template-json = "2.19.0"
 lombok = "1.18.22"
@@ -76,6 +77,8 @@ commons-validator = { module = "commons-validator:commons-validator", version.re
 coroutines-core = { module = "org.jetbrains.kotlinx:kotlinx-coroutines-core", version.ref = "coroutines" }
 docker-compose-rule = { module = "com.palantir.docker.compose:docker-compose-junit-jupiter", version.ref = "docker-compose-rule" }
 dotenv = { module = "io.github.cdimascio:dotenv-java", version.ref = "dotenv" }
+exposed = { module = "org.jetbrains.exposed:exposed-core", version.ref = "exposed" }
+exposed-jdbc = { module = "org.jetbrains.exposed:exposed-jdbc", version.ref = "exposed" }
 findbugs-jsr305 = { module = "com.google.code.findbugs:jsr305", version.ref = "findbugs-jsr305" }
 flyway-core = { module = "org.flywaydb:flyway-core", version.ref = "flyway-core" }
 google-gson = { module = "com.google.code.gson:gson", version.ref = "google-gson" }
@@ -110,6 +113,8 @@ ktor-client-json = { module = "io.ktor:ktor-serialization-kotlinx-json", version
 ktor-client-okhttp = { module = "io.ktor:ktor-client-okhttp", version.ref = "ktor" }
 ktor-netty = { module = "io.ktor:ktor-server-netty-jvm", version.ref = "ktor" }
 ktor-yaml = { module = "io.ktor:ktor-server-config-yaml", version.ref = "ktor" }
+ktor-server-auth = { module = "io.ktor:ktor-server-auth", version.ref = "ktor" }
+ktor-server-auth-jwt = { module = "io.ktor:ktor-server-auth-jwt", version.ref = "ktor" }
 ktor-server-call-logging = { module = "io.ktor:ktor-server-call-logging", version.ref = "ktor" }
 log4j2-slf4j = { module = "org.apache.logging.log4j:log4j-slf4j-impl", version.ref = "log4j" }
 log4j2-core = { module = "org.apache.logging.log4j:log4j-core", version.ref = "log4j" }
@@ -143,8 +148,9 @@ aws-java-sdk-s3 = { module = "com.amazonaws:aws-java-sdk-s3", version.ref = "aws
 slf4j = ["slf4j-api", "slf4j-log4j12"]
 junit = ["junit-api", "junit-engine", "junit-params", "junit-suite-engine", "kotlin-stdlib", "kotlin-junit", "mockk"]
 kafka = ["kafka-clients", "kafka-connect", "kafka-json-schema"]
-ktor = ["ktor-core", "ktor-content-negotiation", "ktor-netty", "ktor-yaml", "ktor-cors"]
+ktor = ["ktor-core", "ktor-content-negotiation", "ktor-netty", "ktor-yaml", "ktor-cors", "ktor-server-auth", "ktor-server-auth-jwt"]
 ktor-client = ["ktor-client-core", "ktor-client-content-negotiation", "ktor-client-json", "ktor-client-okhttp"]
+exposed = ["exposed", "exposed-jdbc"]
 
 [plugins]
 spotless = { id = "com.diffplug.spotless", version.ref = "spotless" }
diff --git a/integration-tests/build.gradle.kts b/integration-tests/build.gradle.kts
index 61ffd85e16..4def266bc4 100644
--- a/integration-tests/build.gradle.kts
+++ b/integration-tests/build.gradle.kts
@@ -35,7 +35,6 @@ dependencies {
   implementation(project(":api-schema"))
   implementation(project(":core"))
   implementation(project(":platform"))
-  implementation(project(":anchor-reference-server"))
   implementation(project(":kotlin-reference-server"))
   implementation(project(":wallet-reference-server"))
   implementation(project(":service-runner"))
diff --git a/integration-tests/src/main/kotlin/org/stellar/anchor/platform/Sep12Client.kt b/integration-tests/src/main/kotlin/org/stellar/anchor/platform/Sep12Client.kt
index b8c9dbc199..e304f7298a 100644
--- a/integration-tests/src/main/kotlin/org/stellar/anchor/platform/Sep12Client.kt
+++ b/integration-tests/src/main/kotlin/org/stellar/anchor/platform/Sep12Client.kt
@@ -93,7 +93,7 @@ class Sep12Client(private val endpoint: String, private val jwt: String) : SepCl
    * change to NEEDS_INFO if it's a receiving customer.
    */
   fun invalidateCustomerClabe(id: String) {
-    val url = String.format("http://localhost:8081/invalidate_clabe/%s", id)
+    val url = String.format("http://localhost:8091/invalidate_clabe/%s", id)
     httpGet(url, jwt)
   }
 }
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AbstractIntegrationTest.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AbstractIntegrationTest.kt
index 8537252bfa..f0ef5acff0 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AbstractIntegrationTest.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AbstractIntegrationTest.kt
@@ -8,7 +8,7 @@ open class AbstractIntegrationTest(private val config: TestConfig) {
     const val ANCHOR_TO_PLATFORM_SECRET = "myAnchorToPlatformSecret"
     const val PLATFORM_TO_ANCHOR_SECRET = "myPlatformToAnchorSecret"
     const val PLATFORM_SERVER_PORT = 8085
-    const val REFERENCE_SERVER_PORT = 8081
+    const val REFERENCE_SERVER_PORT = 8091
     const val JWT_EXPIRATION_MILLISECONDS = 10000L
   }
 
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AnchorPlatformEnd2EndTest.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AnchorPlatformEnd2EndTest.kt
index 99d694272e..6feb317eb2 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AnchorPlatformEnd2EndTest.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AnchorPlatformEnd2EndTest.kt
@@ -3,7 +3,7 @@ package org.stellar.anchor.platform
 import org.junit.jupiter.api.*
 
 @TestMethodOrder(MethodOrderer.OrderAnnotation::class)
-class AnchorPlatformEnd2EndTest : AbstractIntegrationTest(TestConfig(testProfileName = "sep24")) {
+class AnchorPlatformEnd2EndTest : AbstractIntegrationTest(TestConfig(testProfileName = "default")) {
 
   companion object {
     private val singleton = AnchorPlatformEnd2EndTest()
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AuthIntegrationTest.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AuthIntegrationTest.kt
index 47f87b8c65..d6ce99dacb 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AuthIntegrationTest.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AuthIntegrationTest.kt
@@ -60,13 +60,12 @@ internal class JwtAuthIntegrationTest : AbstractAuthIntegrationTest() {
         TestProfileExecutor(
           TestConfig(testProfileName = "default").also {
             // enable platform server jwt auth
-            it.env["platform_server.auth.type"] = "jwt"
+            it.env["platform_server.auth.type"] = "JWT"
             // enable business server callback auth
-            it.env["integration-auth.authType"] = "jwt"
-            it.env["integration-auth.platformToAnchorSecret"] = PLATFORM_TO_ANCHOR_SECRET
-            it.env["integration-auth.anchorToPlatformSecret"] = ANCHOR_TO_PLATFORM_SECRET
-            it.env["integration-auth.expirationMilliseconds"] =
-              JWT_EXPIRATION_MILLISECONDS.toString()
+            it.env["auth.type"] = "JWT"
+            it.env["auth.platformToAnchorSecret"] = PLATFORM_TO_ANCHOR_SECRET
+            it.env["auth.anchorToPlatformSecret"] = ANCHOR_TO_PLATFORM_SECRET
+            it.env["auth.expirationMilliseconds"] = JWT_EXPIRATION_MILLISECONDS.toString()
           }
         )
       testProfileRunner.start()
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/DatabaseMigrationTests.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/DatabaseMigrationTests.kt
index f7cfc957de..1b4d35468f 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/DatabaseMigrationTests.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/DatabaseMigrationTests.kt
@@ -12,28 +12,6 @@ val PostgresConfig =
     it.env["data.flyway_enabled"] = "true"
   }
 
-val H2Config =
-  TestConfig("default").also {
-    it.env[RUN_DOCKER] = "false"
-    it.env[RUN_ALL_SERVERS] = "false"
-    it.env[RUN_SEP_SERVER] = "true"
-    it.env["data.type"] = "h2"
-    it.env["data.server"] = ""
-    it.env["data.database"] = ""
-    it.env["data.flyway_enabled"] = "true"
-  }
-
-val SQLiteConfig =
-  TestConfig("default").also {
-    it.env[RUN_DOCKER] = "false"
-    it.env[RUN_ALL_SERVERS] = "false"
-    it.env[RUN_SEP_SERVER] = "true"
-    it.env["data.type"] = "sqlite"
-    it.env["data.server"] = ""
-    it.env["data.database"] = "platform-test"
-    it.env["data.flyway_enabled"] = "true"
-  }
-
 class PostgresMigrationTest : AbstractIntegrationTest(PostgresConfig) {
   companion object {
     private val singleton = PostgresMigrationTest()
@@ -57,51 +35,3 @@ class PostgresMigrationTest : AbstractIntegrationTest(PostgresConfig) {
     // Nothing to do
   }
 }
-
-class H2MigrationTest : AbstractIntegrationTest(H2Config) {
-  companion object {
-    private val singleton = H2MigrationTest()
-
-    @BeforeAll
-    @JvmStatic
-    fun construct() {
-      println("Running H2MigrationTest")
-      singleton.testProfileRunner.start()
-    }
-
-    @AfterAll
-    @JvmStatic
-    fun destroy() {
-      singleton.testProfileRunner.start()
-    }
-  }
-
-  @Test
-  fun test() {
-    // Nothing to do
-  }
-}
-
-class SQLiteMigrationTest : AbstractIntegrationTest(SQLiteConfig) {
-  companion object {
-    private val singleton = SQLiteMigrationTest()
-
-    @BeforeAll
-    @JvmStatic
-    fun construct() {
-      println("Running SQLiteMigrationTest")
-      singleton.testProfileRunner.start()
-    }
-
-    @AfterAll
-    @JvmStatic
-    fun destroy() {
-      singleton.testProfileRunner.shutdown()
-    }
-  }
-
-  @Test
-  fun test() {
-    // Nothing to do
-  }
-}
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/KotlinReferenceServerIntegrationTest.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/KotlinReferenceServerIntegrationTest.kt
index 7058a8e7a4..404ccde0fd 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/KotlinReferenceServerIntegrationTest.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/KotlinReferenceServerIntegrationTest.kt
@@ -13,7 +13,7 @@ import org.stellar.reference.client.AnchorReferenceServerClient
 internal class KotlinReferenceServerIntegrationTest {
   private val testProfileRunner =
     TestProfileExecutor(
-      TestConfig("sep24").also {
+      TestConfig("default").also {
         it.env[RUN_DOCKER] = "false"
         it.env[RUN_ALL_SERVERS] = "false"
         it.env[RUN_KOTLIN_REFERENCE_SERVER] = "true"
diff --git a/kotlin-reference-server/build.gradle.kts b/kotlin-reference-server/build.gradle.kts
index a9c0b098d7..bc0510c8da 100644
--- a/kotlin-reference-server/build.gradle.kts
+++ b/kotlin-reference-server/build.gradle.kts
@@ -18,6 +18,8 @@ dependencies {
   implementation(libs.javax.jaxb.api)
   implementation(libs.kotlin.logging)
   implementation(libs.slf4j.simple)
+  implementation(libs.h2database)
+  implementation(libs.bundles.exposed)
   implementation(project(mapOf("path" to ":api-schema")))
 }
 
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/ReferenceServer.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/ReferenceServer.kt
index 47ae424a61..08bebc0644 100644
--- a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/ReferenceServer.kt
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/ReferenceServer.kt
@@ -4,21 +4,17 @@ import com.sksamuel.hoplite.*
 import io.ktor.http.*
 import io.ktor.serialization.kotlinx.json.*
 import io.ktor.server.application.*
+import io.ktor.server.auth.*
+import io.ktor.server.auth.jwt.*
 import io.ktor.server.engine.*
 import io.ktor.server.netty.*
 import io.ktor.server.plugins.contentnegotiation.*
 import io.ktor.server.plugins.cors.routing.*
-import io.ktor.server.routing.*
+import io.ktor.server.response.*
 import mu.KotlinLogging
 import org.stellar.reference.data.Config
 import org.stellar.reference.data.LocationConfig
-import org.stellar.reference.event.EventService
-import org.stellar.reference.plugins.event
-import org.stellar.reference.plugins.sep24
-import org.stellar.reference.plugins.testSep24
-import org.stellar.reference.sep24.DepositService
-import org.stellar.reference.sep24.Sep24Helper
-import org.stellar.reference.sep24.WithdrawalService
+import org.stellar.reference.plugins.*
 
 val log = KotlinLogging.logger {}
 lateinit var referenceKotlinSever: NettyApplicationEngine
@@ -35,14 +31,16 @@ fun startServer(envMap: Map<String, String>?, wait: Boolean) {
 
   // start server
   referenceKotlinSever =
-    embeddedServer(Netty, port = cfg.sep24.port) {
+    embeddedServer(Netty, port = cfg.appSettings.port) {
         install(ContentNegotiation) { json() }
+        configureAuth(cfg)
         configureRouting(cfg)
         install(CORS) {
           anyHost()
           allowHeader(HttpHeaders.Authorization)
           allowHeader(HttpHeaders.ContentType)
         }
+        install(RequestLoggerPlugin)
       }
       .start(wait)
 }
@@ -72,19 +70,3 @@ fun stopServer() {
   if (::referenceKotlinSever.isInitialized) (referenceKotlinSever).stop(5000, 30000)
   log.info("Kotlin reference server stopped...")
 }
-
-fun Application.configureRouting(cfg: Config) {
-  routing {
-    val helper = Sep24Helper(cfg)
-    val depositService = DepositService(cfg)
-    val withdrawalService = WithdrawalService(cfg)
-    val eventService = EventService()
-
-    sep24(helper, depositService, withdrawalService, cfg.sep24.interactiveJwtKey)
-    event(eventService)
-
-    if (cfg.sep24.enableTest) {
-      testSep24(helper, depositService, withdrawalService, cfg.sep24.interactiveJwtKey)
-    }
-  }
-}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/RefenreceServerStart.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/ReferenceServerStart.kt
similarity index 100%
rename from kotlin-reference-server/src/main/kotlin/org/stellar/reference/RefenreceServerStart.kt
rename to kotlin-reference-server/src/main/kotlin/org/stellar/reference/ReferenceServerStart.kt
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/Exceptions.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/Exceptions.kt
new file mode 100644
index 0000000000..2576cf2778
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/Exceptions.kt
@@ -0,0 +1,22 @@
+package org.stellar.reference.callbacks
+
+import kotlinx.serialization.Serializable
+import kotlinx.serialization.Transient
+
+@Serializable
+class BadRequestException(val error: String, @Transient override val cause: Throwable? = null) :
+  RuntimeException(error, cause)
+
+@Serializable
+class NotFoundException(
+  val error: String,
+  val id: String,
+  @Transient override val cause: Throwable? = null
+) : RuntimeException(error, cause)
+
+@Serializable
+class UnprocessableEntityException(
+  val error: String,
+  val id: String,
+  @Transient override val cause: Throwable? = null
+) : RuntimeException(error, cause)
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/customer/CustomerRoute.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/customer/CustomerRoute.kt
new file mode 100644
index 0000000000..6cf78bd853
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/customer/CustomerRoute.kt
@@ -0,0 +1,87 @@
+package org.stellar.reference.callbacks.customer
+
+import io.ktor.http.*
+import io.ktor.server.application.*
+import io.ktor.server.auth.*
+import io.ktor.server.request.*
+import io.ktor.server.response.*
+import io.ktor.server.routing.*
+import org.stellar.anchor.api.callback.GetCustomerRequest
+import org.stellar.anchor.api.callback.PutCustomerRequest
+import org.stellar.anchor.util.GsonUtils
+import org.stellar.reference.callbacks.BadRequestException
+import org.stellar.reference.callbacks.NotFoundException
+import org.stellar.reference.log
+import org.stellar.reference.plugins.AUTH_CONFIG_ENDPOINT
+
+/**
+ * Defines the routes related to the customer callback API. See
+ * [Customer Callbacks](https://developers.stellar.org/api/anchor-platform/callbacks/customer/).
+ *
+ * @param customerService the [CustomerService] to use to process the requests.
+ */
+fun Route.customer(customerService: CustomerService) {
+  authenticate(AUTH_CONFIG_ENDPOINT) {
+    route("/customer") {
+      get {
+        val request =
+          GetCustomerRequest.builder()
+            .id(call.parameters["id"])
+            .account(call.parameters["account"])
+            .memo(call.parameters["memo"])
+            .memoType(call.parameters["memo_type"])
+            .type(call.parameters["type"])
+            .lang(call.parameters["lang"])
+            .build()
+        try {
+          val response = GsonUtils.getInstance().toJson(customerService.getCustomer(request))
+          call.respond(response)
+        } catch (e: BadRequestException) {
+          call.respond(HttpStatusCode.BadRequest, e)
+        } catch (e: NotFoundException) {
+          call.respond(HttpStatusCode.NotFound, e)
+        } catch (e: Exception) {
+          log.error("Unexpected exception", e)
+          call.respond(HttpStatusCode.InternalServerError)
+        }
+      }
+      put {
+        val request =
+          GsonUtils.getInstance().fromJson(call.receive<String>(), PutCustomerRequest::class.java)
+        try {
+          val response = GsonUtils.getInstance().toJson(customerService.upsertCustomer(request))
+          call.respond(response)
+        } catch (e: BadRequestException) {
+          call.respond(HttpStatusCode.BadRequest, e)
+        } catch (e: Exception) {
+          call.respond(HttpStatusCode.InternalServerError)
+        }
+      }
+      delete("{id}") {
+        val id = call.parameters["id"]!!
+        try {
+          customerService.deleteCustomer(id)
+          call.respond(HttpStatusCode.NoContent)
+        } catch (e: NotFoundException) {
+          call.respond(HttpStatusCode.NotFound, e)
+        } catch (e: Exception) {
+          call.respond(HttpStatusCode.InternalServerError)
+        }
+      }
+    }
+    route("/invalidate_clabe") {
+      // TODO: Consider to enable this endpoint only when testing
+      get("{id}") {
+        val id = call.parameters["id"]!!
+        try {
+          customerService.invalidateClabe(id)
+          call.respond(HttpStatusCode.OK)
+        } catch (e: NotFoundException) {
+          call.respond(HttpStatusCode.NotFound, e)
+        } catch (e: Exception) {
+          call.respond(HttpStatusCode.InternalServerError)
+        }
+      }
+    }
+  }
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/customer/CustomerService.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/customer/CustomerService.kt
new file mode 100644
index 0000000000..2f0c985923
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/customer/CustomerService.kt
@@ -0,0 +1,186 @@
+package org.stellar.reference.callbacks.customer
+
+import java.util.*
+import org.stellar.anchor.api.callback.GetCustomerRequest
+import org.stellar.anchor.api.callback.GetCustomerResponse
+import org.stellar.anchor.api.callback.PutCustomerRequest
+import org.stellar.anchor.api.callback.PutCustomerResponse
+import org.stellar.anchor.api.shared.CustomerField
+import org.stellar.anchor.api.shared.ProvidedCustomerField
+import org.stellar.reference.callbacks.BadRequestException
+import org.stellar.reference.callbacks.NotFoundException
+import org.stellar.reference.dao.CustomerRepository
+import org.stellar.reference.model.Customer
+import org.stellar.reference.model.Status
+
+class CustomerService(private val customerRepository: CustomerRepository) {
+  fun getCustomer(request: GetCustomerRequest): GetCustomerResponse {
+    val customer =
+      when {
+        request.id != null -> {
+          customerRepository.get(request.id)
+            ?: throw NotFoundException("customer for 'id' '${request.id}' not found", request.id)
+        }
+        request.account != null -> {
+          customerRepository.get(request.account, request.memo, request.memoType)
+            ?: Customer(
+              stellarAccount = request.account,
+              memo = request.memo,
+              memoType = request.memoType
+            )
+        }
+        else -> {
+          throw BadRequestException("Either id or account must be provided")
+        }
+      }
+    return convertCustomerToResponse(customer, request.type)
+  }
+
+  fun upsertCustomer(request: PutCustomerRequest): PutCustomerResponse {
+    val customer =
+      when {
+        request.id != null -> customerRepository.get(request.id)
+        request.account != null ->
+          customerRepository.get(request.account, request.memo, request.memoType)
+        else -> {
+          throw BadRequestException("Either id or account must be provided")
+        }
+      }
+
+    // Update the customer if it exists, otherwise create a new one.
+    if (customer != null) {
+      customerRepository.update(
+        customer.copy(
+          firstName = request.firstName ?: customer.firstName,
+          lastName = request.lastName ?: customer.lastName,
+          emailAddress = request.emailAddress ?: customer.emailAddress,
+          bankAccountNumber = request.bankAccountNumber ?: customer.bankAccountNumber,
+          bankAccountType = request.bankAccountType ?: customer.bankAccountType,
+          bankRoutingNumber = request.bankNumber ?: customer.bankRoutingNumber,
+          clabeNumber = request.clabeNumber ?: customer.clabeNumber
+        )
+      )
+      return PutCustomerResponse(customer.id)
+    } else {
+      val id = UUID.randomUUID().toString()
+      customerRepository.create(
+        Customer(
+          id = id,
+          stellarAccount = request.account,
+          memo = request.memo,
+          memoType = request.memoType,
+          firstName = request.firstName,
+          lastName = request.lastName,
+          emailAddress = request.emailAddress,
+          bankAccountNumber = request.bankAccountNumber,
+          bankAccountType = request.bankAccountType,
+          bankRoutingNumber = request.bankNumber,
+          clabeNumber = request.clabeNumber
+        )
+      )
+      return PutCustomerResponse(id)
+    }
+  }
+
+  fun deleteCustomer(id: String) {
+    customerRepository.delete(id)
+  }
+
+  fun invalidateClabe(id: String) {
+    try {
+      customerRepository.update(customerRepository.get(id)!!.copy(clabeNumber = null))
+    } catch (e: Exception) {
+      throw NotFoundException("customer for 'id' '$id' not found", id)
+    }
+  }
+
+  private fun convertCustomerToResponse(customer: Customer, type: String?): GetCustomerResponse {
+    val providedFields = mutableMapOf<String, ProvidedCustomerField>()
+    val missingFields = mutableMapOf<String, CustomerField>()
+
+    val commonFields =
+      mapOf(
+        "first_name" to createField(customer.firstName, "string", "The customer's first name"),
+        "last_name" to createField(customer.lastName, "string", "The customer's last name"),
+        "email_address" to
+          createField(customer.emailAddress, "string", "The customer's email address"),
+      )
+    val sep31ReceiverFields =
+      mapOf(
+        "bank_account_number" to
+          createField(customer.bankAccountNumber, "string", "The customer's bank account number"),
+        "bank_account_type" to
+          createField(
+            customer.bankAccountType,
+            "string",
+            "The customer's bank account type",
+            choices = listOf("checking", "savings")
+          ),
+        "bank_number" to
+          createField(customer.bankRoutingNumber, "string", "The customer's bank routing number"),
+        "clabe_number" to createField(customer.clabeNumber, "string", "The customer's CLABE number")
+      )
+    val fields =
+      when (type) {
+        "sep31-receiver" -> commonFields.plus(sep31ReceiverFields)
+        else -> commonFields
+      }
+
+    // Extract fields from customer
+    fields.forEach(
+      fun(entry: Map.Entry<String, Field>) {
+        when (entry.value) {
+          is Field.Provided -> providedFields[entry.key] = (entry.value as Field.Provided).field
+          is Field.Missing -> missingFields[entry.key] = (entry.value as Field.Missing).field
+        }
+      }
+    )
+
+    val status =
+      when {
+        missingFields.isNotEmpty() -> Status.NEEDS_INFO
+        else -> Status.ACCEPTED
+      }.toString()
+
+    return GetCustomerResponse.builder()
+      .id(customer.id)
+      .status(status)
+      .providedFields(providedFields)
+      .fields(missingFields)
+      .build()
+  }
+
+  sealed class Field {
+    class Provided(val field: ProvidedCustomerField) : Field()
+    class Missing(val field: CustomerField) : Field()
+  }
+  private fun createField(
+    value: Any?,
+    type: String,
+    description: String,
+    optional: Boolean? = false,
+    choices: List<String>? = listOf()
+  ): Field {
+    return when (value != null) {
+      true -> {
+        var builder =
+          ProvidedCustomerField.builder()
+            .type(type)
+            .description(description)
+            .status(Status.ACCEPTED.toString())
+            .optional(optional)
+        if (choices != null) {
+          builder = builder.choices(choices)
+        }
+        Field.Provided(builder.build())
+      }
+      false -> {
+        var builder = CustomerField.builder().type(type).description(description).optional(optional)
+        if (choices != null) {
+          builder = builder.choices(choices)
+        }
+        Field.Missing(builder.build())
+      }
+    }
+  }
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/fee/FeeRoute.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/fee/FeeRoute.kt
new file mode 100644
index 0000000000..e8c9156fb4
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/fee/FeeRoute.kt
@@ -0,0 +1,47 @@
+package org.stellar.reference.callbacks.fee
+
+import io.ktor.http.*
+import io.ktor.server.application.*
+import io.ktor.server.auth.*
+import io.ktor.server.response.*
+import io.ktor.server.routing.*
+import org.stellar.anchor.api.callback.GetFeeRequest
+import org.stellar.anchor.util.GsonUtils
+import org.stellar.reference.callbacks.BadRequestException
+import org.stellar.reference.callbacks.UnprocessableEntityException
+import org.stellar.reference.log
+import org.stellar.reference.plugins.AUTH_CONFIG_ENDPOINT
+
+/**
+ * Defines the routes related to the fee callback API. See
+ * [Fee Callbacks](https://developers.stellar.org/api/anchor-platform/callbacks/fee/).
+ *
+ * @param feeService the [FeeService] to use to process the requests.
+ */
+fun Route.fee(feeService: FeeService) {
+  authenticate(AUTH_CONFIG_ENDPOINT) {
+    get("/fee") {
+      val request =
+        GetFeeRequest.builder()
+          .sendAsset(call.parameters["send_asset"])
+          .receiveAsset(call.parameters["receive_asset"])
+          .sendAmount(call.parameters["send_amount"])
+          .receiveAmount(call.parameters["receive_amount"])
+          .clientId(call.parameters["client_id"])
+          .senderId(call.parameters["sender_id"])
+          .receiverId(call.parameters["receiver_id"])
+          .build()
+      try {
+        val response = GsonUtils.getInstance().toJson(feeService.getFee(request))
+        call.respond(response)
+      } catch (e: BadRequestException) {
+        call.respond(HttpStatusCode.BadRequest, e)
+      } catch (e: UnprocessableEntityException) {
+        call.respond(HttpStatusCode.UnprocessableEntity, e)
+      } catch (e: Exception) {
+        log.error("Unexpected exception", e)
+        call.respond(HttpStatusCode.InternalServerError)
+      }
+    }
+  }
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/fee/FeeService.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/fee/FeeService.kt
new file mode 100644
index 0000000000..10ad2b5484
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/fee/FeeService.kt
@@ -0,0 +1,51 @@
+package org.stellar.reference.callbacks.fee
+
+import java.math.BigDecimal
+import org.stellar.anchor.api.callback.GetFeeRequest
+import org.stellar.anchor.api.callback.GetFeeResponse
+import org.stellar.anchor.api.exception.UnprocessableEntityException
+import org.stellar.anchor.api.shared.Amount
+import org.stellar.reference.callbacks.BadRequestException
+import org.stellar.reference.dao.CustomerRepository
+
+class FeeService(private val customerRepository: CustomerRepository) {
+  fun getFee(request: GetFeeRequest): GetFeeResponse {
+    validateRequest(request)
+    val amount = request.sendAmount?.let { BigDecimal(it) }
+    val fee = amount?.multiply(BigDecimal("0.02"))?.add(BigDecimal("0.1"))
+
+    return GetFeeResponse(Amount(fee!!.toString(), request.sendAsset))
+  }
+
+  private fun validateRequest(request: GetFeeRequest) {
+    if (request.sendAsset == null) {
+      throw BadRequestException("Send asset must be provided")
+    }
+
+    if (request.receiveAsset == null) {
+      throw BadRequestException("Receive asset must be provided")
+    }
+
+    if (request.clientId == null) {
+      throw BadRequestException("Client id must be provided")
+    }
+
+    if (request.sendAmount == null && request.receiveAmount == null) {
+      throw BadRequestException("Either send or receive amount must be provided")
+    }
+
+    if (request.senderId == null) {
+      throw BadRequestException("Sender id must be provided")
+    } else {
+      customerRepository.get(request.senderId)
+        ?: throw UnprocessableEntityException("Sender ${request.senderId} not found")
+    }
+
+    if (request.receiverId == null) {
+      throw BadRequestException("Receiver id must be provided")
+    } else {
+      customerRepository.get(request.receiverId)
+        ?: throw UnprocessableEntityException("Receiver ${request.receiverId} not found")
+    }
+  }
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/interactive/InteractiveRoute.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/interactive/InteractiveRoute.kt
new file mode 100644
index 0000000000..cdec10f058
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/interactive/InteractiveRoute.kt
@@ -0,0 +1,15 @@
+package org.stellar.reference.callbacks.interactive
+
+import io.ktor.http.ContentType.Text.Html
+import io.ktor.server.application.*
+import io.ktor.server.response.*
+import io.ktor.server.routing.*
+
+fun Route.sep24Interactive() {
+  route("/sep24/transaction/interactive") {
+    get { call.respondText("The sep24 interactive flow starts here.", Html) }
+  }
+  route("/sep24/transaction/more_info") {
+    get { call.respondText("The sep24 more_info endpoint starts here.", Html) }
+  }
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/rate/RateRoute.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/rate/RateRoute.kt
new file mode 100644
index 0000000000..da270b30e3
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/rate/RateRoute.kt
@@ -0,0 +1,54 @@
+package org.stellar.reference.callbacks.rate
+
+import io.ktor.http.*
+import io.ktor.server.application.*
+import io.ktor.server.auth.*
+import io.ktor.server.response.*
+import io.ktor.server.routing.*
+import org.stellar.anchor.api.callback.GetRateRequest
+import org.stellar.anchor.util.GsonUtils
+import org.stellar.reference.callbacks.BadRequestException
+import org.stellar.reference.callbacks.NotFoundException
+import org.stellar.reference.callbacks.UnprocessableEntityException
+import org.stellar.reference.log
+import org.stellar.reference.plugins.AUTH_CONFIG_ENDPOINT
+
+/**
+ * Defines the routes related to the rate callback API. See
+ * [Rate Callbacks](https://developers.stellar.org/api/anchor-platform/callbacks/rate/).
+ *
+ * @param rateService the [RateService] to use to process the requests.
+ */
+fun Route.rate(rateService: RateService) {
+  authenticate(AUTH_CONFIG_ENDPOINT) {
+    get("/rate") {
+      val request =
+        GetRateRequest.builder()
+          .type(call.parameters["type"]?.let { GetRateRequest.Type.valueOf(it.uppercase()) })
+          .sellAsset(call.parameters["sell_asset"])
+          .sellAmount(call.parameters["sell_amount"])
+          .sellDeliveryMethod(call.parameters["sell_delivery_method"])
+          .buyAsset(call.parameters["buy_asset"])
+          .buyAmount(call.parameters["buy_amount"])
+          .buyDeliveryMethod(call.parameters["buy_delivery_method"])
+          .countryCode(call.parameters["country_code"])
+          .expireAfter(call.parameters["expire_after"])
+          .clientId(call.parameters["client_id"])
+          .id(call.parameters["id"])
+          .build()
+      try {
+        val response = GsonUtils.getInstance().toJson(rateService.getRate(request))
+        call.respond(response)
+      } catch (e: BadRequestException) {
+        call.respond(HttpStatusCode.BadRequest, e)
+      } catch (e: NotFoundException) {
+        call.respond(HttpStatusCode.NotFound, e)
+      } catch (e: UnprocessableEntityException) {
+        call.respond(HttpStatusCode.UnprocessableEntity, e)
+      } catch (e: Exception) {
+        log.error("Unexpected exception", e)
+        call.respond(HttpStatusCode.InternalServerError)
+      }
+    }
+  }
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/rate/RateService.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/rate/RateService.kt
new file mode 100644
index 0000000000..50bb1eba8c
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/rate/RateService.kt
@@ -0,0 +1,231 @@
+package org.stellar.reference.callbacks.rate
+
+import java.math.BigDecimal
+import java.math.RoundingMode
+import java.text.DecimalFormat
+import java.time.Instant
+import java.time.ZoneId
+import java.time.ZonedDateTime
+import java.util.*
+import org.stellar.anchor.api.callback.GetRateRequest
+import org.stellar.anchor.api.callback.GetRateResponse
+import org.stellar.anchor.api.sep.sep38.RateFee
+import org.stellar.anchor.api.sep.sep38.RateFeeDetail
+import org.stellar.reference.callbacks.BadRequestException
+import org.stellar.reference.callbacks.NotFoundException
+import org.stellar.reference.dao.QuoteRepository
+import org.stellar.reference.model.Quote
+
+class RateService(private val quoteRepository: QuoteRepository) {
+  private val scale = 4
+  fun getRate(request: GetRateRequest): GetRateResponse {
+    val rate =
+      when {
+        request.id != null -> getRate(request.id)
+        request.sellAmount != null || request.buyAmount != null -> {
+          validateRequest(request)
+          val price =
+            getPrice(request.sellAsset!!, request.buyAsset!!)?.let { getDecimal(it, scale) }
+              ?: throw RuntimeException(
+                "Price not found for ${request.sellAsset} and ${request.buyAsset}"
+              )
+          val buyAmount = request.buyAmount?.let { getDecimal(it, scale) }
+          val sellAmount = request.sellAmount?.let { getDecimal(it, scale) }
+          val fee = getFee(request.sellAsset!!, request.buyAsset!!)
+          val feeAmount = fee.total.toBigDecimal()
+
+          val finalBuyAmount =
+            sellAmount?.subtract(feeAmount)?.divide(price, RoundingMode.HALF_DOWN)?.also {
+              if (it <= BigDecimal.ZERO) {
+                throw RuntimeException("Buy amount must be greater than zero")
+              }
+            }
+              ?: buyAmount
+          val finalSellAmount =
+            buyAmount?.setScale(10, RoundingMode.HALF_DOWN)?.multiply(price)?.add(feeAmount)
+              ?: sellAmount
+          val finalPrice =
+            finalSellAmount
+              ?.setScale(10, RoundingMode.HALF_DOWN)
+              ?.subtract(feeAmount)
+              ?.divide(finalBuyAmount, RoundingMode.HALF_DOWN)
+              ?: price
+          val finalTotalPrice = finalSellAmount?.divide(finalBuyAmount, 10, RoundingMode.HALF_DOWN)
+
+          if (request.type == GetRateRequest.Type.INDICATIVE) {
+            return GetRateResponse.indicativePrice(
+              getString(finalPrice, 10),
+              getString(finalSellAmount!!, scale),
+              getString(finalBuyAmount!!, scale),
+              fee
+            )
+          }
+
+          val expiresAfter =
+            request.expireAfter?.let { ZonedDateTime.parse(it).toInstant() } ?: Instant.now()
+          val expiresAt =
+            ZonedDateTime.ofInstant(expiresAfter, ZoneId.of("UTC"))
+              .plusDays(1)
+              .withHour(12)
+              .withMinute(0)
+              .withSecond(0)
+              .withNano(0)
+              .toInstant()
+          val quote =
+            Quote(
+              id = UUID.randomUUID().toString(),
+              sellAsset = request.sellAsset,
+              sellAmount = getString(finalSellAmount!!, scale),
+              sellDeliveryMethod = request.sellDeliveryMethod,
+              buyAsset = request.buyAsset,
+              buyAmount = getString(finalBuyAmount!!, scale),
+              buyDeliveryMethod = request.buyDeliveryMethod,
+              countryCode = request.countryCode,
+              createdAt = Instant.now(),
+              expiresAt = expiresAt,
+              clientId = request.clientId,
+              price = getString(finalPrice, 10),
+              totalPrice = getString(finalTotalPrice!!, 10),
+              fee =
+                org.stellar.reference.model.RateFee(
+                  fee.total,
+                  fee.asset,
+                  fee.details.map {
+                    org.stellar.reference.model.RateFeeDetail(it.name, it.description, it.amount)
+                  }
+                )
+            )
+          quoteRepository.create(quote)
+
+          val rate =
+            GetRateResponse.Rate.builder()
+              .id(quote.id)
+              .price(quote.price)
+              .sellAmount(quote.sellAmount)
+              .buyAmount(quote.buyAmount)
+              .expiresAt(quote.expiresAt)
+              .fee(fee)
+              .build()
+          return GetRateResponse(rate)
+        }
+        else -> {
+          throw BadRequestException("Either id or sell and buy assets must be provided")
+        }
+      }
+
+    return GetRateResponse(rate)
+  }
+
+  private fun getRate(id: String): GetRateResponse.Rate {
+    val quote =
+      quoteRepository.get(id) ?: throw NotFoundException("Rate with quote id $id not found", id)
+    val rateFee = RateFee("0", quote.fee?.asset)
+    quote.fee
+      ?.details
+      ?.forEach(
+        fun(detail: org.stellar.reference.model.RateFeeDetail) {
+          rateFee.addFeeDetail(RateFeeDetail(detail.name, detail.description, detail.amount))
+        }
+      )
+
+    return GetRateResponse.Rate.builder()
+      .id(quote.id)
+      .price(quote.price)
+      .sellAmount(quote.sellAmount)
+      .buyAmount(quote.buyAmount)
+      .expiresAt(quote.expiresAt)
+      .fee(rateFee)
+      .build()
+  }
+
+  private fun validateRequest(request: GetRateRequest) {
+    if (request.type == null) {
+      throw RuntimeException("Type must be provided")
+    }
+
+    if (!listOf(GetRateRequest.Type.INDICATIVE, GetRateRequest.Type.FIRM).contains(request.type)) {
+      throw RuntimeException("Type must be either indicative or firm")
+    }
+
+    if (request.sellAsset == null) {
+      throw RuntimeException("Sell asset must be provided")
+    }
+
+    if (request.buyAsset == null) {
+      throw RuntimeException("Buy asset must be provided")
+    }
+
+    if (
+      (request.sellAmount == null && request.buyAmount == null) ||
+        (request.sellAmount != null && request.buyAmount != null)
+    ) {
+      throw RuntimeException("Either sell amount or buy amount must be provided but not both")
+    }
+  }
+
+  private fun getString(amount: BigDecimal, scale: Int): String {
+    val newAmount = amount.setScale(scale, RoundingMode.DOWN)
+
+    val df = DecimalFormat()
+    df.maximumFractionDigits = scale
+    df.minimumFractionDigits = 0
+    df.isGroupingUsed = false
+
+    return df.format(newAmount)
+  }
+
+  private fun getDecimal(amount: String, scale: Int): BigDecimal {
+    if (amount.isBlank()) {
+      throw RuntimeException("Amount must be provided")
+    }
+    val result = amount.toBigDecimal().setScale(scale, RoundingMode.DOWN)
+    if (result <= BigDecimal.ZERO) {
+      throw RuntimeException("Amount must be greater than zero")
+    }
+
+    return result
+  }
+
+  companion object {
+    val fiatUSD = "iso4217:USD"
+    val stellarCircleUSDCtest =
+      "stellar:USDC:GBBD47IF6LWK7P7MDEVSCWR7DPUWV3NY3DTQEVFL4NAT4AQH3ZLLFLA5"
+    val stellarUSDCtest = "stellar:USDC:GDQOE23CFSUMSVQK4Y5JHPPYK73VYCNHZHA7ENKCV37P6SUEO6XQBKPP"
+    val stellarUSDCprod = "stellar:USDC:GA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN"
+    val stellarJPYC = "stellar:JPYC:GDQOE23CFSUMSVQK4Y5JHPPYK73VYCNHZHA7ENKCV37P6SUEO6XQBKPP"
+    val prices =
+      mapOf(
+        Pair(fiatUSD, stellarCircleUSDCtest) to "1.02",
+        Pair(stellarUSDCtest, fiatUSD) to "1.05",
+        Pair(fiatUSD, stellarCircleUSDCtest) to "1.02",
+        Pair(stellarCircleUSDCtest, fiatUSD) to "1.05",
+        Pair(fiatUSD, stellarUSDCtest) to "1.02",
+        Pair(stellarUSDCtest, fiatUSD) to "1.05",
+        Pair(fiatUSD, stellarJPYC) to "0.0083333",
+        Pair(stellarJPYC, fiatUSD) to "122",
+        Pair(stellarUSDCtest, stellarJPYC) to "0.0084",
+        Pair(stellarJPYC, stellarUSDCtest) to "120",
+        Pair(stellarCircleUSDCtest, stellarJPYC) to "0.0084",
+        Pair(stellarJPYC, stellarCircleUSDCtest) to "120",
+        Pair(stellarUSDCprod, stellarJPYC) to "0.0084",
+        Pair(stellarJPYC, stellarUSDCprod) to "120",
+      )
+
+    private fun getPrice(sellAsset: String, buyAsset: String): String? {
+      return prices[Pair(sellAsset, buyAsset)]?.let {
+        return it
+      }
+    }
+
+    private fun getFee(sellAsset: String, buyAsset: String): RateFee {
+      val rateFee = RateFee("0", sellAsset)
+      if (getPrice(sellAsset, buyAsset) == null) {
+        return rateFee
+      }
+
+      val sellAssetDetail = RateFeeDetail("Sell fee", "Fee related to selling the asset.", "1.00")
+      rateFee.addFeeDetail(sellAssetDetail)
+      return rateFee
+    }
+  }
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/uniqueaddress/UniqueAddressRoute.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/uniqueaddress/UniqueAddressRoute.kt
new file mode 100644
index 0000000000..751e55b1e5
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/uniqueaddress/UniqueAddressRoute.kt
@@ -0,0 +1,33 @@
+package org.stellar.reference.callbacks.uniqueaddress
+
+import io.ktor.http.*
+import io.ktor.server.application.*
+import io.ktor.server.auth.*
+import io.ktor.server.response.*
+import io.ktor.server.routing.*
+import org.stellar.anchor.api.callback.GetUniqueAddressRequest
+import org.stellar.anchor.util.GsonUtils
+import org.stellar.reference.log
+import org.stellar.reference.plugins.AUTH_CONFIG_ENDPOINT
+
+/**
+ * Defines the routes related to the unique address callback API. See
+ * [Unique Address Callbacks](https://developers.stellar.org/api/anchor-platform/callbacks/unique-address/).
+ *
+ * @param uniqueAddressService the [UniqueAddressService] to use to process the requests.
+ */
+fun Route.uniqueAddress(uniqueAddressService: UniqueAddressService) {
+  authenticate(AUTH_CONFIG_ENDPOINT) {
+    get("/unique_address") {
+      val request = GetUniqueAddressRequest(call.parameters["transaction_id"]!!)
+      try {
+        val response =
+          GsonUtils.getInstance().toJson(uniqueAddressService.getUniqueAddress(request))
+        call.respond(response)
+      } catch (e: Exception) {
+        log.error("Unexpected exception", e)
+        call.respond(HttpStatusCode.InternalServerError)
+      }
+    }
+  }
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/uniqueaddress/UniqueAddressService.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/uniqueaddress/UniqueAddressService.kt
new file mode 100644
index 0000000000..eb1de51781
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/callbacks/uniqueaddress/UniqueAddressService.kt
@@ -0,0 +1,56 @@
+package org.stellar.reference.callbacks.uniqueaddress
+
+import java.util.*
+import org.apache.commons.codec.binary.Hex
+import org.stellar.anchor.api.callback.GetUniqueAddressRequest
+import org.stellar.anchor.api.callback.GetUniqueAddressResponse
+import org.stellar.reference.data.AppSettings
+import org.stellar.sdk.KeyPair
+import org.stellar.sdk.MemoHash
+import org.stellar.sdk.MemoId
+import org.stellar.sdk.MemoText
+
+class UniqueAddressService(private val settings: AppSettings) {
+  init {
+    if (settings.distributionWallet.isBlank()) {
+      throw RuntimeException("distributionWallet is empty")
+    } else {
+      try {
+        KeyPair.fromAccountId(settings.distributionWallet)
+      } catch (e: Exception) {
+        throw RuntimeException("Invalid distributionWallet: ${settings.distributionWallet}")
+      }
+    }
+
+    val memo = settings.distributionWalletMemo
+    val memoType = settings.distributionWalletMemoType
+
+    if (memo.isNotBlank() && memoType.isNotBlank()) {
+      when (memoType) {
+        "text" -> MemoId(memo.toLong())
+        "id" -> MemoText(memo)
+        "hash" -> MemoHash(Hex.encodeHexString(Base64.getDecoder().decode(memo)))
+        else ->
+          throw RuntimeException(
+            "Invalid distributionWalletMemoType: ${settings.distributionWalletMemoType}"
+          )
+      }
+    }
+  }
+  fun getUniqueAddress(request: GetUniqueAddressRequest): GetUniqueAddressResponse {
+    val builder =
+      GetUniqueAddressResponse.UniqueAddress.builder().stellarAddress(settings.distributionWallet)
+
+    if (
+      settings.distributionWalletMemo.isBlank() || settings.distributionWalletMemoType.isBlank()
+    ) {
+      val paddedMemo = request.transactionId.take(32).padStart(32, '0')
+      val encodedMemo = Base64.getEncoder().encodeToString(paddedMemo.toByteArray())
+      builder.memoType("hash").memo(encodedMemo)
+    } else {
+      builder.memoType(settings.distributionWalletMemoType).memo(settings.distributionWalletMemo)
+    }
+
+    return GetUniqueAddressResponse.builder().uniqueAddress(builder.build()).build()
+  }
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/dao/CustomerRepository.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/dao/CustomerRepository.kt
new file mode 100644
index 0000000000..a366ed2db5
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/dao/CustomerRepository.kt
@@ -0,0 +1,114 @@
+package org.stellar.reference.dao
+
+import java.io.Closeable
+import org.jetbrains.exposed.sql.*
+import org.jetbrains.exposed.sql.SqlExpressionBuilder.eq
+import org.jetbrains.exposed.sql.transactions.transaction
+import org.stellar.reference.model.Customer
+
+interface CustomerRepository : Closeable {
+  fun get(id: String): Customer?
+  fun get(stellarAccount: String, memo: String?, memoType: String?): Customer?
+  fun create(customer: Customer): String?
+  fun update(customer: Customer)
+  fun delete(id: String)
+}
+
+class JdbcCustomerRepository(private val db: Database) : CustomerRepository {
+  init {
+    transaction(db) { SchemaUtils.create(Customers) }
+  }
+
+  override fun get(id: String): Customer? =
+    transaction(db) {
+        Customers.select { Customers.id.eq(id) }
+          .mapNotNull {
+            Customer(
+              id = id,
+              stellarAccount = it[Customers.stellarAccount],
+              memo = it[Customers.memo],
+              memoType = it[Customers.memoType],
+              firstName = it[Customers.firstName],
+              lastName = it[Customers.lastName],
+              emailAddress = it[Customers.emailAddress],
+              bankAccountNumber = it[Customers.bankAccountNumber],
+              bankAccountType = it[Customers.bankAccountType],
+              bankRoutingNumber = it[Customers.bankRoutingNumber],
+              clabeNumber = it[Customers.clabeNumber]
+            )
+          }
+      }
+      .singleOrNull()
+
+  override fun get(stellarAccount: String, memo: String?, memoType: String?): Customer? {
+    val query =
+      when {
+        memo == null && memoType == null -> Customers.stellarAccount.eq(stellarAccount)
+        else -> {
+          Customers.stellarAccount.eq(stellarAccount) and
+            Customers.memo.eq(memo!!) and
+            Customers.memoType.eq(memoType!!)
+        }
+      }
+    return transaction(db) {
+        Customers.select { query }
+          .mapNotNull {
+            Customer(
+              id = it[Customers.id],
+              stellarAccount = it[Customers.stellarAccount],
+              memo = it[Customers.memo],
+              memoType = it[Customers.memoType],
+              firstName = it[Customers.firstName],
+              lastName = it[Customers.lastName],
+              emailAddress = it[Customers.emailAddress],
+              bankAccountNumber = it[Customers.bankAccountNumber],
+              bankAccountType = it[Customers.bankAccountType],
+              bankRoutingNumber = it[Customers.bankRoutingNumber],
+              clabeNumber = it[Customers.clabeNumber]
+            )
+          }
+      }
+      .singleOrNull()
+  }
+
+  override fun create(customer: Customer): String? =
+    transaction(db) {
+        Customers.insert {
+          it[id] = customer.id!!
+          it[stellarAccount] = customer.stellarAccount
+          it[memo] = customer.memo
+          it[memoType] = customer.memoType
+          it[firstName] = customer.firstName
+          it[lastName] = customer.lastName
+          it[emailAddress] = customer.emailAddress
+          it[bankAccountNumber] = customer.bankAccountNumber
+          it[bankAccountType] = customer.bankAccountType
+          it[bankRoutingNumber] = customer.bankRoutingNumber
+          it[clabeNumber] = customer.clabeNumber
+        }
+      }
+      .resultedValues
+      ?.firstOrNull()
+      ?.get(Customers.id)
+
+  override fun update(customer: Customer): Unit =
+    transaction(db) {
+      Customers.update({ Customers.id.eq(customer.id!!) }) {
+        it[stellarAccount] = customer.stellarAccount
+        it[memo] = customer.memo
+        it[memoType] = customer.memoType
+        it[firstName] = customer.firstName
+        it[lastName] = customer.lastName
+        it[emailAddress] = customer.emailAddress
+        it[bankAccountNumber] = customer.bankAccountNumber
+        it[bankAccountType] = customer.bankAccountType
+        it[bankRoutingNumber] = customer.bankRoutingNumber
+        it[clabeNumber] = customer.clabeNumber
+      }
+    }
+
+  override fun delete(id: String): Unit =
+    transaction(db) { Customers.deleteWhere { Customers.id.eq(id) } }
+
+  override fun close() {}
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/dao/Customers.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/dao/Customers.kt
new file mode 100644
index 0000000000..55e9e860d7
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/dao/Customers.kt
@@ -0,0 +1,18 @@
+package org.stellar.reference.dao
+
+import org.jetbrains.exposed.sql.Table
+
+/** Exposed table for the Customer model. */
+object Customers : Table() {
+  val id = varchar("id", 255).uniqueIndex()
+  val stellarAccount = varchar("stellar_account", 255).index().nullable()
+  val memo = varchar("memo", 255).nullable()
+  val memoType = varchar("memo_type", 255).nullable()
+  val firstName = varchar("first_name", 255).nullable()
+  val lastName = varchar("last_name", 255).nullable()
+  val emailAddress = varchar("email_address", 255).nullable()
+  val bankAccountNumber = varchar("bank_account_number", 255).nullable()
+  val bankAccountType = varchar("bank_account_type", 255).nullable()
+  val bankRoutingNumber = varchar("bank_routing_number", 255).nullable()
+  val clabeNumber = varchar("clabe_number", 255).nullable()
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/dao/QuoteRepository.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/dao/QuoteRepository.kt
new file mode 100644
index 0000000000..5525f98460
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/dao/QuoteRepository.kt
@@ -0,0 +1,75 @@
+package org.stellar.reference.dao
+
+import java.io.Closeable
+import java.time.Instant
+import org.jetbrains.exposed.sql.Database
+import org.jetbrains.exposed.sql.SchemaUtils
+import org.jetbrains.exposed.sql.insert
+import org.jetbrains.exposed.sql.select
+import org.jetbrains.exposed.sql.transactions.transaction
+import org.stellar.anchor.util.GsonUtils
+import org.stellar.reference.model.Quote
+import org.stellar.reference.model.RateFee
+
+interface QuoteRepository : Closeable {
+  fun get(id: String): Quote?
+  fun create(quote: Quote): String?
+}
+
+class JdbcQuoteRepository(private val db: Database) : QuoteRepository {
+  init {
+    transaction(db) { SchemaUtils.create(Quotes) }
+  }
+
+  override fun get(id: String): Quote? =
+    transaction(db) {
+      Quotes.select { Quotes.id.eq(id) }
+        .mapNotNull { it ->
+          Quote(
+            id = id,
+            price = it[Quotes.price],
+            totalPrice = it[Quotes.totalPrice],
+            expiresAt = it[Quotes.expiresAt]?.let { ts -> Instant.ofEpochMilli(ts) },
+            createdAt = it[Quotes.createdAt]?.let { ts -> Instant.ofEpochMilli(ts) },
+            sellAsset = it[Quotes.sellAsset],
+            sellAmount = it[Quotes.sellAmount],
+            sellDeliveryMethod = it[Quotes.sellDeliveryMethod],
+            buyAsset = it[Quotes.buyAsset],
+            buyAmount = it[Quotes.buyAmount],
+            buyDeliveryMethod = it[Quotes.buyDeliveryMethod],
+            countryCode = it[Quotes.countryCode],
+            clientId = it[Quotes.clientId],
+            fee =
+              it[Quotes.fee]?.let { fee ->
+                GsonUtils.getInstance().fromJson(fee, RateFee::class.java)
+              }
+          )
+        }
+        .singleOrNull()
+    }
+
+  override fun create(quote: Quote): String? =
+    transaction(db) {
+        Quotes.insert {
+          it[id] = quote.id
+          it[price] = quote.price
+          it[totalPrice] = quote.totalPrice
+          it[expiresAt] = quote.expiresAt?.toEpochMilli()
+          it[createdAt] = quote.createdAt?.toEpochMilli()
+          it[sellAsset] = quote.sellAsset
+          it[sellAmount] = quote.sellAmount
+          it[sellDeliveryMethod] = quote.sellDeliveryMethod
+          it[buyAsset] = quote.buyAsset
+          it[buyAmount] = quote.buyAmount
+          it[buyDeliveryMethod] = quote.buyDeliveryMethod
+          it[countryCode] = quote.countryCode
+          it[clientId] = quote.clientId
+          it[fee] = GsonUtils.getInstance().toJson(quote.fee)
+        }
+      }
+      .resultedValues
+      ?.firstOrNull()
+      ?.get(Quotes.id)
+
+  override fun close() {}
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/dao/Quotes.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/dao/Quotes.kt
new file mode 100644
index 0000000000..2a76a9d7dc
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/dao/Quotes.kt
@@ -0,0 +1,21 @@
+package org.stellar.reference.dao
+
+import org.jetbrains.exposed.sql.Table
+
+object Quotes : Table() {
+  val id = varchar("id", 255).uniqueIndex()
+  val price = varchar("price", 255).nullable()
+  val totalPrice = varchar("total_price", 255).nullable()
+  val expiresAt = long("expires_at").nullable()
+  val createdAt = long("created_at").nullable()
+  val sellAsset = varchar("sell_asset", 255).nullable()
+  val sellAmount = varchar("sell_amount", 255).nullable()
+  val sellDeliveryMethod = varchar("sell_delivery_method", 255).nullable()
+  val buyAsset = varchar("buy_asset", 255).nullable()
+  val buyAmount = varchar("buy_amount", 255).nullable()
+  val buyDeliveryMethod = varchar("buy_delivery_method", 255).nullable()
+  val countryCode = varchar("country_code", 255).nullable()
+  val clientId = varchar("client_id", 255).nullable()
+  val transactionId = varchar("transaction_id", 255).nullable()
+  val fee = varchar("fee", 255).nullable()
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/data/Config.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/data/Config.kt
index b79be22638..ab310ad8f9 100644
--- a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/data/Config.kt
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/data/Config.kt
@@ -1,20 +1,39 @@
 package org.stellar.reference.data
 
+import com.sksamuel.hoplite.ConfigAlias
 import org.stellar.sdk.KeyPair
 
 data class LocationConfig(val ktReferenceServerConfig: String)
 
 data class Config(
-  val sep24: Sep24,
+  @ConfigAlias("app") val appSettings: AppSettings,
+  @ConfigAlias("auth") val authSettings: AuthSettings,
+  val sep24: Sep24
 )
 
-data class Sep24(
+data class Sep24(val enableTest: Boolean, val secret: String, val interactiveJwtKey: String) {
+  val keyPair = KeyPair.fromSecretSeed(secret)
+}
+
+data class AppSettings(
+  val version: String,
   val port: Int,
-  val enableTest: Boolean,
-  val anchorPlatformUrl: String,
-  val horizonUrl: String,
-  val secret: String,
-  val interactiveJwtKey: String
+  val horizonEndpoint: String,
+  val platformApiEndpoint: String,
+  val distributionWallet: String,
+  val distributionWalletMemo: String,
+  val distributionWalletMemoType: String,
+)
+
+data class AuthSettings(
+  val type: Type,
+  val platformToAnchorSecret: String,
+  val anchorToPlatformSecret: String,
+  val expirationMilliseconds: Long
 ) {
-  val keyPair = KeyPair.fromSecretSeed(secret)
+  enum class Type {
+    NONE,
+    API_KEY,
+    JWT
+  }
 }
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/EventRoute.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/event/EventRoute.kt
similarity index 95%
rename from kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/EventRoute.kt
rename to kotlin-reference-server/src/main/kotlin/org/stellar/reference/event/EventRoute.kt
index 0834a71e43..e52fb41ce7 100644
--- a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/EventRoute.kt
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/event/EventRoute.kt
@@ -1,4 +1,4 @@
-package org.stellar.reference.plugins
+package org.stellar.reference.event
 
 import com.google.gson.Gson
 import io.ktor.http.*
@@ -10,7 +10,6 @@ import org.apache.http.HttpStatus
 import org.stellar.anchor.api.callback.SendEventResponse
 import org.stellar.anchor.util.GsonUtils
 import org.stellar.reference.data.SendEventRequest
-import org.stellar.reference.event.EventService
 
 fun Route.event(eventService: EventService) {
   val gson: Gson = GsonUtils.getInstance()
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/model/Customer.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/model/Customer.kt
new file mode 100644
index 0000000000..5ca6878309
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/model/Customer.kt
@@ -0,0 +1,26 @@
+package org.stellar.reference.model
+
+import kotlinx.serialization.SerialName
+import kotlinx.serialization.Serializable
+
+@Serializable
+data class Customer(
+  val id: String? = null,
+  @SerialName("stellar_account") val stellarAccount: String? = null,
+  val memo: String? = null,
+  val memoType: String? = null,
+  @SerialName("first_name") val firstName: String? = null,
+  @SerialName("last_name") val lastName: String? = null,
+  @SerialName("email_address") val emailAddress: String? = null,
+  @SerialName("bank_account_number") val bankAccountNumber: String? = null,
+  @SerialName("bank_account_type") val bankAccountType: String? = null,
+  @SerialName("bank_routing_number") val bankRoutingNumber: String? = null,
+  @SerialName("clabe_number") val clabeNumber: String? = null,
+)
+
+enum class Status {
+  NEEDS_INFO,
+  ACCEPTED,
+  PROCESSING,
+  ERROR,
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/model/Quote.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/model/Quote.kt
new file mode 100644
index 0000000000..817c38705f
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/model/Quote.kt
@@ -0,0 +1,30 @@
+package org.stellar.reference.model
+
+import java.time.Instant
+import kotlinx.serialization.Contextual
+import kotlinx.serialization.SerialName
+import kotlinx.serialization.Serializable
+
+@Serializable
+data class Quote(
+  val id: String,
+  val price: String?,
+  @SerialName("total_price") val totalPrice: String?,
+  @SerialName("expires_at") @Contextual val expiresAt: Instant?,
+  @SerialName("created_at") @Contextual val createdAt: Instant?,
+  @SerialName("sell_asset") val sellAsset: String?,
+  @SerialName("sell_amount") val sellAmount: String?,
+  @SerialName("sell_delivery_method") val sellDeliveryMethod: String?,
+  @SerialName("buy_asset") val buyAsset: String?,
+  @SerialName("buy_amount") val buyAmount: String?,
+  @SerialName("buy_delivery_method") val buyDeliveryMethod: String?,
+  @SerialName("country_code") val countryCode: String?,
+  @SerialName("client_id") val clientId: String?,
+  val fee: RateFee?,
+)
+
+@Serializable
+data class RateFee(val total: String?, val asset: String, val details: List<RateFeeDetail>?)
+
+@Serializable
+data class RateFeeDetail(val name: String, val description: String, val amount: String?)
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/ConfigureAuth.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/ConfigureAuth.kt
new file mode 100644
index 0000000000..322f9d58dd
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/ConfigureAuth.kt
@@ -0,0 +1,42 @@
+package org.stellar.reference.plugins
+
+import com.auth0.jwt.JWT
+import com.auth0.jwt.algorithms.Algorithm
+import io.ktor.http.*
+import io.ktor.server.application.*
+import io.ktor.server.auth.*
+import io.ktor.server.auth.jwt.*
+import io.ktor.server.response.*
+import org.stellar.reference.data.AuthSettings
+import org.stellar.reference.data.Config
+
+const val AUTH_CONFIG_ENDPOINT = "endpoint-auth"
+
+fun Application.configureAuth(cfg: Config) {
+  when (cfg.authSettings.type) {
+    AuthSettings.Type.JWT ->
+      authentication {
+        jwt(AUTH_CONFIG_ENDPOINT) {
+          verifier(JWT.require(Algorithm.HMAC256(cfg.authSettings.platformToAnchorSecret)).build())
+          validate { credential ->
+            val principal = JWTPrincipal(credential.payload)
+            if (principal.payload.expiresAt.time < System.currentTimeMillis()) {
+              null
+            } else {
+              principal
+            }
+          }
+          challenge { _, _ ->
+            call.respond(HttpStatusCode.Unauthorized, "Token is invalid or expired")
+          }
+        }
+      }
+    AuthSettings.Type.API_KEY -> {
+      TODO("API key auth not implemented yet")
+    }
+    AuthSettings.Type.NONE -> {
+      log.warn("Authentication is disabled. Endpoints are not secured.")
+      authentication { basic(AUTH_CONFIG_ENDPOINT) { skipWhen { true } } }
+    }
+  }
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/ConfigureRouting.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/ConfigureRouting.kt
new file mode 100644
index 0000000000..73d7b9e243
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/ConfigureRouting.kt
@@ -0,0 +1,56 @@
+package org.stellar.reference.plugins
+
+import io.ktor.server.application.*
+import io.ktor.server.routing.*
+import org.jetbrains.exposed.sql.Database
+import org.stellar.reference.callbacks.customer.CustomerService
+import org.stellar.reference.callbacks.customer.customer
+import org.stellar.reference.callbacks.fee.FeeService
+import org.stellar.reference.callbacks.fee.fee
+import org.stellar.reference.callbacks.interactive.sep24Interactive
+import org.stellar.reference.callbacks.rate.RateService
+import org.stellar.reference.callbacks.rate.rate
+import org.stellar.reference.callbacks.uniqueaddress.UniqueAddressService
+import org.stellar.reference.callbacks.uniqueaddress.uniqueAddress
+import org.stellar.reference.dao.JdbcCustomerRepository
+import org.stellar.reference.dao.JdbcQuoteRepository
+import org.stellar.reference.data.Config
+import org.stellar.reference.event.EventService
+import org.stellar.reference.event.event
+import org.stellar.reference.sep24.DepositService
+import org.stellar.reference.sep24.Sep24Helper
+import org.stellar.reference.sep24.WithdrawalService
+import org.stellar.reference.sep24.sep24
+import org.stellar.reference.sep24.testSep24
+
+fun Application.configureRouting(cfg: Config) = routing {
+  val helper = Sep24Helper(cfg)
+  val depositService = DepositService(cfg)
+  val withdrawalService = WithdrawalService(cfg)
+  val eventService = EventService()
+  val database =
+    Database.connect(
+      "jdbc:h2:mem:test;DB_CLOSE_DELAY=-1",
+      driver = "org.h2.Driver",
+      user = "sa",
+      password = ""
+    )
+  val customerRepo = JdbcCustomerRepository(database)
+  val quotesRepo = JdbcQuoteRepository(database)
+  val customerService = CustomerService(customerRepo)
+  val feeService = FeeService(customerRepo)
+  val rateService = RateService(quotesRepo)
+  val uniqueAddressService = UniqueAddressService(cfg.appSettings)
+
+  sep24(helper, depositService, withdrawalService, cfg.sep24.interactiveJwtKey)
+  event(eventService)
+  customer(customerService)
+  fee(feeService)
+  rate(rateService)
+  uniqueAddress(uniqueAddressService)
+  sep24Interactive()
+
+  if (cfg.sep24.enableTest) {
+    testSep24(helper, depositService, withdrawalService, cfg.sep24.interactiveJwtKey)
+  }
+}
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/RequestLoggerPlugin.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/RequestLoggerPlugin.kt
new file mode 100644
index 0000000000..8a15b4a7c7
--- /dev/null
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/RequestLoggerPlugin.kt
@@ -0,0 +1,23 @@
+package org.stellar.reference.plugins
+
+import io.ktor.server.application.*
+import io.ktor.server.request.*
+import io.ktor.util.*
+import org.stellar.reference.log
+
+val RequestLoggerPlugin =
+  createApplicationPlugin(name = "RequestLoggerPlugin") {
+    val onCallTimeKey = AttributeKey<Long>("onCallTimeKey")
+    onCall { call ->
+      val onCallTime = System.currentTimeMillis()
+      call.attributes.put(onCallTimeKey, onCallTime)
+    }
+
+    onCallRespond { call ->
+      val onCallTime = call.attributes[onCallTimeKey]
+      val onCallReceiveTime = System.currentTimeMillis()
+      log.info(
+        "${call.request.httpMethod.value} ${call.request.local.uri} (${onCallReceiveTime - onCallTime}ms)"
+      )
+    }
+  }
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/sep24/Sep24Helper.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/sep24/Sep24Helper.kt
index 69cc6a7387..d3347e42bb 100644
--- a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/sep24/Sep24Helper.kt
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/sep24/Sep24Helper.kt
@@ -25,21 +25,15 @@ class Sep24Helper(private val cfg: Config) {
     install(ContentNegotiation) { json(Json { ignoreUnknownKeys = true }) }
   }
 
-  val baseUrl = cfg.sep24.anchorPlatformUrl
+  val baseUrl = cfg.appSettings.platformApiEndpoint
 
-  val server = Server(cfg.sep24.horizonUrl)
+  val server = Server(cfg.appSettings.horizonEndpoint)
 
-  internal suspend fun patchTransaction(
-    patchRecord: org.stellar.reference.data.PatchTransactionTransaction
-  ) {
+  internal suspend fun patchTransaction(patchRecord: PatchTransactionTransaction) {
     val resp =
       client.patch("$baseUrl/transactions") {
         contentType(ContentType.Application.Json)
-        setBody(
-          org.stellar.reference.data.PatchTransactionsRequest(
-            listOf(org.stellar.reference.data.PatchTransactionRecord(patchRecord))
-          )
-        )
+        setBody(PatchTransactionsRequest(listOf(PatchTransactionRecord(patchRecord))))
       }
 
     if (resp.status != HttpStatusCode.OK) {
@@ -56,9 +50,7 @@ class Sep24Helper(private val cfg: Config) {
     newStatus: String,
     message: String? = null
   ) {
-    patchTransaction(
-      org.stellar.reference.data.PatchTransactionTransaction(transactionId, newStatus, message)
-    )
+    patchTransaction(PatchTransactionTransaction(transactionId, newStatus, message))
   }
 
   internal suspend fun getTransaction(transactionId: String): Transaction {
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/Sep24Route.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/sep24/Sep24Route.kt
similarity index 96%
rename from kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/Sep24Route.kt
rename to kotlin-reference-server/src/main/kotlin/org/stellar/reference/sep24/Sep24Route.kt
index 6df68376c6..d3c59f5b28 100644
--- a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/Sep24Route.kt
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/sep24/Sep24Route.kt
@@ -1,4 +1,4 @@
-package org.stellar.reference.plugins
+package org.stellar.reference.sep24
 
 import io.ktor.server.application.*
 import io.ktor.server.request.*
@@ -15,9 +15,6 @@ import org.stellar.reference.data.ErrorResponse
 import org.stellar.reference.data.Success
 import org.stellar.reference.data.WithdrawalRequest
 import org.stellar.reference.jwt.JwtDecoder
-import org.stellar.reference.sep24.DepositService
-import org.stellar.reference.sep24.Sep24Helper
-import org.stellar.reference.sep24.WithdrawalService
 
 private val log = KotlinLogging.logger {}
 
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/Sep24TestRoute.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/sep24/Sep24TestRoute.kt
similarity index 95%
rename from kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/Sep24TestRoute.kt
rename to kotlin-reference-server/src/main/kotlin/org/stellar/reference/sep24/Sep24TestRoute.kt
index d2264a860c..dfab758fd9 100644
--- a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/plugins/Sep24TestRoute.kt
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/sep24/Sep24TestRoute.kt
@@ -1,4 +1,4 @@
-package org.stellar.reference.plugins
+package org.stellar.reference.sep24
 
 import io.ktor.http.*
 import io.ktor.server.application.*
@@ -11,9 +11,6 @@ import kotlinx.coroutines.launch
 import mu.KotlinLogging
 import org.stellar.reference.ClientException
 import org.stellar.reference.jwt.JwtDecoder
-import org.stellar.reference.sep24.DepositService
-import org.stellar.reference.sep24.Sep24Helper
-import org.stellar.reference.sep24.WithdrawalService
 
 private val log = KotlinLogging.logger {}
 
diff --git a/kotlin-reference-server/src/main/resources/default-config.yaml b/kotlin-reference-server/src/main/resources/default-config.yaml
index 7598916c8e..c3387130ae 100644
--- a/kotlin-reference-server/src/main/resources/default-config.yaml
+++ b/kotlin-reference-server/src/main/resources/default-config.yaml
@@ -1,10 +1,37 @@
-sep24:
-  #  Port this server is being ran on
+app:
+  version: 0.0.1
+  # The port on which the server will listen for requests.
   port: 8091
-  #  URL for anchor platform server
-  anchorPlatformUrl: "http://localhost:8085"
-  #  URL for horizon server
-  horizonUrl: "https://horizon-testnet.stellar.org"
+  # The URL of the Stellar network to which the Anchor will connect.
+  horizonEndpoint: https://horizon-testnet.stellar.org
+  # The URL of the platform server.
+  platformApiEndpoint: http://localhost:8085
+  # The Stellar wallet to which the customer will send the Stellar assets.
+  distributionWallet: GBN4NNCDGJO4XW4KQU3CBIESUJWFVBUZPOKUZHT7W7WRB7CWOA7BXVQF
+  distributionWalletMemo:
+  distributionWalletMemoType:
+
+# These are secrets shared between Anchor and Platform that are used to safely communicate from `Platform->Anchor`
+# and `Anchor->Platform`, especially when they are in different clusters.
+#
+# When the receiving part decodes the incoming request token, it needs to verify if the token is still valid (and not expired).
+auth:
+  # authType: used to determine how the authentication will happen between Anchor and Platform. Can be one of the following:
+  #     NONE: no authentication is used
+  #     API_KEY: the authentication is done using an API key added to the `X-Api-Key` header.
+  #     JWT: the authentication is done using a JWT token added to the `Authorization` header. this token is generated from the secret key.
+  type: NONE
+  # CallbackAPI requests (`Platform->Anchor`) will contain an authentication header whose token was built using this
+  # secret. The Anchor Backend will also store this same secret and use it to decode the incoming token to verify it
+  # came from the Platform.
+  platformToAnchorSecret: myPlatformToAnchorSecret
+  # PlatformAPI requests (`Anchor->Platform`) will contain an authentication header whose token was built using this
+  # secret. The Platform Server will use this secret to decode the incoming token to verify it came from the Anchor.
+  anchorToPlatformSecret: myAnchorToPlatformSecret
+  # Expiration time, in milliseconds, that will be used to build and validate the JWT tokens
+  expirationMilliseconds: 30000
+
+sep24:
   # Secret key used to send funds to user accounts.
   # Public key: GABCKCYPAGDDQMSCTMSBO7C2L34NU3XXCW7LR4VVSWCCXMAJY3B4YCZP
   secret: "SAJW2O2NH5QMMVWYAN352OEXS2RUY675A2HPK5HEG2FRR2NXPYA4OLYN"
diff --git a/platform/build.gradle.kts b/platform/build.gradle.kts
index 68d0d3ebb7..71af6036dd 100644
--- a/platform/build.gradle.kts
+++ b/platform/build.gradle.kts
@@ -47,7 +47,6 @@ dependencies {
   // From projects
   implementation(project(":api-schema"))
   implementation(project(":core"))
-  implementation(project(":anchor-reference-server"))
 
   testImplementation("org.springframework.boot:spring-boot-starter-test")
   testImplementation(libs.okhttp3.mockserver)
diff --git a/platform/src/main/java/org/stellar/anchor/platform/data/JdbcSep31Transaction.java b/platform/src/main/java/org/stellar/anchor/platform/data/JdbcSep31Transaction.java
index 7bc1d683e6..c355359d06 100644
--- a/platform/src/main/java/org/stellar/anchor/platform/data/JdbcSep31Transaction.java
+++ b/platform/src/main/java/org/stellar/anchor/platform/data/JdbcSep31Transaction.java
@@ -14,7 +14,6 @@
 import org.stellar.anchor.SepTransaction;
 import org.stellar.anchor.api.sep.operation.Sep31Operation;
 import org.stellar.anchor.api.shared.StellarId;
-import org.stellar.anchor.reference.model.StellarIdConverter;
 import org.stellar.anchor.sep31.Sep31Refunds;
 import org.stellar.anchor.sep31.Sep31Transaction;
 
diff --git a/platform/src/main/java/org/stellar/anchor/platform/data/JdbcSep38Quote.java b/platform/src/main/java/org/stellar/anchor/platform/data/JdbcSep38Quote.java
index bcb4a6536c..d0155417ef 100644
--- a/platform/src/main/java/org/stellar/anchor/platform/data/JdbcSep38Quote.java
+++ b/platform/src/main/java/org/stellar/anchor/platform/data/JdbcSep38Quote.java
@@ -5,7 +5,6 @@
 import javax.persistence.*;
 import lombok.Data;
 import org.stellar.anchor.api.sep.sep38.RateFee;
-import org.stellar.anchor.reference.model.RateFeeConverter;
 import org.stellar.anchor.sep38.Sep38Quote;
 
 @Data
diff --git a/platform/src/main/java/org/stellar/anchor/platform/data/RateFeeConverter.java b/platform/src/main/java/org/stellar/anchor/platform/data/RateFeeConverter.java
new file mode 100644
index 0000000000..d28f4b8895
--- /dev/null
+++ b/platform/src/main/java/org/stellar/anchor/platform/data/RateFeeConverter.java
@@ -0,0 +1,25 @@
+package org.stellar.anchor.platform.data;
+
+import com.google.gson.Gson;
+import java.lang.reflect.Type;
+import javax.persistence.AttributeConverter;
+import javax.persistence.Converter;
+import org.stellar.anchor.api.sep.sep38.RateFee;
+import org.stellar.anchor.util.GsonUtils;
+import shadow.com.google.common.reflect.TypeToken;
+
+@Converter
+public class RateFeeConverter implements AttributeConverter<RateFee, String> {
+  private static final Gson gson = GsonUtils.getInstance();
+
+  @Override
+  public String convertToDatabaseColumn(RateFee priceDetails) {
+    return gson.toJson(priceDetails);
+  }
+
+  @Override
+  public RateFee convertToEntityAttribute(String customerInfoJSON) {
+    Type type = new TypeToken<RateFee>() {}.getType();
+    return gson.fromJson(customerInfoJSON, type);
+  }
+}
diff --git a/platform/src/main/java/org/stellar/anchor/platform/data/StellarIdConverter.java b/platform/src/main/java/org/stellar/anchor/platform/data/StellarIdConverter.java
new file mode 100644
index 0000000000..fb23bc64eb
--- /dev/null
+++ b/platform/src/main/java/org/stellar/anchor/platform/data/StellarIdConverter.java
@@ -0,0 +1,22 @@
+package org.stellar.anchor.platform.data;
+
+import com.google.gson.Gson;
+import javax.persistence.AttributeConverter;
+import javax.persistence.Converter;
+import org.stellar.anchor.api.shared.StellarId;
+import org.stellar.anchor.util.GsonUtils;
+
+@Converter
+public class StellarIdConverter implements AttributeConverter<StellarId, String> {
+  private static final Gson gson = GsonUtils.getInstance();
+
+  @Override
+  public String convertToDatabaseColumn(StellarId stellarId) {
+    return gson.toJson(stellarId);
+  }
+
+  @Override
+  public StellarId convertToEntityAttribute(String stellarIdJson) {
+    return gson.fromJson(stellarIdJson, StellarId.class);
+  }
+}
diff --git a/service-runner/build.gradle.kts b/service-runner/build.gradle.kts
index 68c5fee8ab..935d33d0fa 100644
--- a/service-runner/build.gradle.kts
+++ b/service-runner/build.gradle.kts
@@ -26,7 +26,6 @@ dependencies {
   implementation(project(":api-schema"))
   implementation(project(":core"))
   implementation(project(":platform"))
-  implementation(project(":anchor-reference-server"))
   implementation(project(":kotlin-reference-server"))
   implementation(project(":wallet-reference-server"))
 }
diff --git a/service-runner/src/main/java/org/stellar/anchor/platform/ServiceRunner.java b/service-runner/src/main/java/org/stellar/anchor/platform/ServiceRunner.java
index 6a8d6b5a17..cc0850c1e5 100644
--- a/service-runner/src/main/java/org/stellar/anchor/platform/ServiceRunner.java
+++ b/service-runner/src/main/java/org/stellar/anchor/platform/ServiceRunner.java
@@ -5,8 +5,7 @@
 import java.util.Map;
 import org.apache.commons.cli.*;
 import org.springframework.context.ConfigurableApplicationContext;
-import org.stellar.anchor.reference.AnchorReferenceServer;
-import org.stellar.reference.RefenreceServerStartKt;
+import org.stellar.reference.ReferenceServerStartKt;
 import org.stellar.reference.wallet.WalletServerStartKt;
 
 public class ServiceRunner {
@@ -51,11 +50,6 @@ public static void main(String[] args) {
         anyServerStarted = true;
       }
 
-      if (cmd.hasOption("anchor-reference-server") || cmd.hasOption("all")) {
-        startAnchorReferenceServer(null);
-        anyServerStarted = true;
-      }
-
       if (cmd.hasOption("kotlin-reference-server") || cmd.hasOption("all")) {
         startKotlinReferenceServer(null, false);
         anyServerStarted = true;
@@ -95,20 +89,8 @@ public static ConfigurableApplicationContext startEventProcessingServer(Map<Stri
     return new EventProcessingServer().start(env);
   }
 
-  public static ConfigurableApplicationContext startAnchorReferenceServer(Map<String, String> env) {
-    String strPort = System.getProperty("ANCHOR_REFERENCE_SERVER_PORT");
-
-    int port = DEFAULT_ANCHOR_REFERENCE_SERVER_PORT;
-
-    if (strPort != null) {
-      port = Integer.parseInt(strPort);
-    }
-
-    return AnchorReferenceServer.start(env, port, "/");
-  }
-
   public static void startKotlinReferenceServer(Map<String, String> envMap, boolean wait) {
-    RefenreceServerStartKt.start(envMap, wait);
+    ReferenceServerStartKt.start(envMap, wait);
   }
 
   public static void startWalletServer(Map<String, String> envMap, boolean wait) {
diff --git a/service-runner/src/main/kotlin/org/stellar/anchor/platform/ResourceHelper.kt b/service-runner/src/main/kotlin/org/stellar/anchor/platform/ResourceHelper.kt
index 8e8bd65368..afccf85ef3 100644
--- a/service-runner/src/main/kotlin/org/stellar/anchor/platform/ResourceHelper.kt
+++ b/service-runner/src/main/kotlin/org/stellar/anchor/platform/ResourceHelper.kt
@@ -36,7 +36,9 @@ fun getResourceFile(resourceName: String): File {
   return if (resourceTempDir != null) {
     File(resourceTempDir, resourceName)
   } else {
-    val resourceUrl: URL? = {}::class.java.classLoader.getResource(fixedResourcePath)
+    val resourceUrl: URL =
+      {}::class.java.classLoader.getResource(fixedResourcePath)
+        ?: throw RuntimeException("Resource $resourceName not found")
     File(resourceUrl!!.toURI())
   }
 }
diff --git a/service-runner/src/main/kotlin/org/stellar/anchor/platform/TestProfileRunner.kt b/service-runner/src/main/kotlin/org/stellar/anchor/platform/TestProfileRunner.kt
index 2ede115e7a..9a005e72a6 100644
--- a/service-runner/src/main/kotlin/org/stellar/anchor/platform/TestProfileRunner.kt
+++ b/service-runner/src/main/kotlin/org/stellar/anchor/platform/TestProfileRunner.kt
@@ -20,7 +20,6 @@ const val RUN_PLATFORM_SERVER = "run_platform_server"
 const val RUN_EVENT_PROCESSING_SERVER = "run_event_processing_server"
 const val RUN_PAYMENT_OBSERVER = "run_observer"
 const val RUN_KOTLIN_REFERENCE_SERVER = "run_kotlin_reference_server"
-const val RUN_REFERENCE_SERVER = "run_reference_server"
 const val RUN_WALLET_SERVER = "run_wallet_server"
 
 lateinit var testProfileExecutor: TestProfileExecutor
@@ -50,7 +49,6 @@ class TestProfileExecutor(val config: TestConfig) {
   private var shouldStartAllServers: Boolean = false
   private var shouldStartSepServer: Boolean = false
   private var shouldStartPlatformServer: Boolean = false
-  private var shouldStartReferenceServer: Boolean = false
   private var shouldStartWalletServer: Boolean = false
   private var shouldStartObserver: Boolean = false
   private var shouldStartEventProcessingServer: Boolean = false
@@ -69,7 +67,6 @@ class TestProfileExecutor(val config: TestConfig) {
     shouldStartObserver = config.env[RUN_PAYMENT_OBSERVER].toBoolean()
     shouldStartEventProcessingServer = config.env[RUN_EVENT_PROCESSING_SERVER].toBoolean()
     shouldStartKotlinReferenceServer = config.env[RUN_KOTLIN_REFERENCE_SERVER].toBoolean()
-    shouldStartReferenceServer = config.env[RUN_REFERENCE_SERVER].toBoolean()
     shouldStartWalletServer = config.env[RUN_WALLET_SERVER].toBoolean()
 
     startDocker()
@@ -103,22 +100,15 @@ class TestProfileExecutor(val config: TestConfig) {
         info("Starting wallet server...")
         jobs += scope.launch { ServiceRunner.startWalletServer(envMap, wait) }
       }
-      if (shouldStartAllServers || shouldStartReferenceServer) {
-        info("Starting Java reference server...")
-        jobs +=
-          scope.launch { runningServers.add(ServiceRunner.startAnchorReferenceServer(envMap)) }
-      }
       if (shouldStartAllServers || shouldStartObserver) {
         info("Starting observer...")
         jobs += scope.launch { runningServers.add(ServiceRunner.startStellarObserver(envMap)) }
       }
-
       if (shouldStartAllServers || shouldStartEventProcessingServer) {
         info("Starting event processing server...")
         jobs +=
           scope.launch { runningServers.add(ServiceRunner.startEventProcessingServer(envMap)) }
       }
-
       if (shouldStartAllServers || shouldStartSepServer) {
         info("Starting SEP server...")
         jobs += scope.launch { runningServers.add(ServiceRunner.startSepServer(envMap)) }
diff --git a/service-runner/src/main/kotlin/org/stellar/anchor/platform/run_profiles/RunReferenceServer.kt b/service-runner/src/main/kotlin/org/stellar/anchor/platform/run_profiles/RunReferenceServer.kt
deleted file mode 100644
index 3fa14e5afc..0000000000
--- a/service-runner/src/main/kotlin/org/stellar/anchor/platform/run_profiles/RunReferenceServer.kt
+++ /dev/null
@@ -1,17 +0,0 @@
-@file:JvmName("RunReferenceServer")
-
-package org.stellar.anchor.platform.run_profiles
-
-import kotlinx.coroutines.launch
-import kotlinx.coroutines.runBlocking
-import org.stellar.anchor.platform.*
-
-fun main() = runBlocking {
-  testProfileExecutor = TestProfileExecutor(TestConfig(testProfileName = "default"))
-  launch { registerShutdownHook(testProfileExecutor) }
-  testProfileExecutor.start(true) {
-    it.env[RUN_DOCKER] = "false"
-    it.env[RUN_ALL_SERVERS] = "false"
-    it.env[RUN_REFERENCE_SERVER] = "true"
-  }
-}
diff --git a/service-runner/src/main/kotlin/org/stellar/anchor/platform/run_profiles/RunSEP24NoFrontend.kt b/service-runner/src/main/kotlin/org/stellar/anchor/platform/run_profiles/RunSEP24NoFrontend.kt
index dcdefe3e11..52294efe3f 100644
--- a/service-runner/src/main/kotlin/org/stellar/anchor/platform/run_profiles/RunSEP24NoFrontend.kt
+++ b/service-runner/src/main/kotlin/org/stellar/anchor/platform/run_profiles/RunSEP24NoFrontend.kt
@@ -9,11 +9,11 @@ import org.stellar.anchor.platform.TestProfileExecutor
 import org.stellar.anchor.platform.testProfileExecutor
 
 fun main() = runBlocking {
-  testProfileExecutor = TestProfileExecutor(TestConfig(testProfileName = "sep24"))
+  testProfileExecutor = TestProfileExecutor(TestConfig(testProfileName = "default"))
   launch { registerShutdownHook(testProfileExecutor) }
   testProfileExecutor.start(true) {
     it.env["run_docker"] = "false"
     it.env["run_all_servers"] = "false"
-    it.env["run_reference_server"] = "true"
+    it.env["run_kotlin_reference_server"] = "true"
   }
 }
diff --git a/service-runner/src/main/resources/profiles/default/config.env b/service-runner/src/main/resources/profiles/default/config.env
index ab21e1fc17..270d19e068 100644
--- a/service-runner/src/main/resources/profiles/default/config.env
+++ b/service-runner/src/main/resources/profiles/default/config.env
@@ -15,7 +15,7 @@ events.enabled=true
 events.queue.type=kafka
 events.queue.kafka.bootstrap_server=kafka:29092
 # callback API endpoint
-callback_api.base_url=http://reference-server:8081/
+callback_api.base_url=http://reference-server:8091/
 # platform API endpoint
 platform_api.base_url=http://platform:8085/
 # data
@@ -36,10 +36,14 @@ sep12.enabled=true
 sep31.enabled=true
 sep38.enabled=true
 sep24.enabled=true
-sep24.interactive_url.base_url=http://localhost:3000
-sep24.more_info_url.base_url=http://localhost:3000
+sep24.interactive_url.base_url=http://localhost:8091/sep24/interactive
+sep24.more_info_url.base_url=http://localhost:8091/sep24/transaction/more_info
 # clients
 clients[0].name=reference
 clients[0].type=noncustodial
 clients[0].domain=wallet-server:8092
 clients[0].callback_url=http://wallet-server:8092/callbacks
+clients[1].name=referenceCustodial
+clients[1].type=custodial
+clients[1].signing_key=GDJLBYYKMCXNVVNABOE66NYXQGIA5AC5D223Z2KF6ZEYK4UBCA7FKLTG
+clients[1].callback_url=http://wallet-server:8092/callbacks
\ No newline at end of file
diff --git a/service-runner/src/main/resources/profiles/default/test.env b/service-runner/src/main/resources/profiles/default/test.env
index 3cdac1ebae..25cf41b2b3 100644
--- a/service-runner/src/main/resources/profiles/default/test.env
+++ b/service-runner/src/main/resources/profiles/default/test.env
@@ -1,7 +1,7 @@
 # Test configurations
 anchor.domain=http://localhost:8080
 sep.server.url=http://localhost:8080
-reference.server.url=http://localhost:8081
+reference.server.url=http://localhost:8091
 observer.server.url=http://localhost:8083
 platform.server.url=http://localhost:8085
 wallet.server.url=http://localhost:8092
diff --git a/service-runner/src/main/resources/profiles/sep24/config.env b/service-runner/src/main/resources/profiles/sep24/config.env
deleted file mode 100644
index 4d7adf9ce4..0000000000
--- a/service-runner/src/main/resources/profiles/sep24/config.env
+++ /dev/null
@@ -1,49 +0,0 @@
-# secrets
-secret.data.username=postgres
-secret.data.password=password
-secret.platform_api.auth_secret=myAnchorToPlatformSecret
-secret.callback_api.auth_secret=myPlatformToAnchorSecret
-secret.sep10.jwt_secret=secret_sep10_secret
-secret.sep10.signing_seed=SAX3AH622R2XT6DXWWSRIDCMMUCCMATBZ5U6XKJWDO7M2EJUBFC3AW5X
-secret.sep24.interactive_url.jwt_secret=secret_sep24_interactive_url_jwt_secret
-secret.sep24.more_info_url.jwt_secret=secret_sep24_more_info_url_jwt_secret
-# logging
-app_logging.stellar_level=DEBUG
-app_logging.request_logger_enabled=true
-# events
-events.enabled=true
-events.queue.type=kafka
-events.queue.kafka.bootstrap_server=kafka:29092
-# callback API endpoint
-callback_api.base_url=http://reference-server:8091/
-# platform API endpoint
-platform_api.base_url=http://platform:8085/
-# data
-data.type=postgres
-data.server=db:5432
-data.database=postgres
-data.flyway_enabled=true
-# assets
-assets.type=file
-assets.value=/config/assets.yaml
-# seps
-sep1.enabled=true
-sep1.toml.type=file
-sep1.toml.value=/config/stellar.localhost.toml
-sep6.enabled=true
-sep10.enabled=true
-sep12.enabled=true
-sep31.enabled=true
-sep38.enabled=true
-sep24.enabled=true
-sep24.interactive_url.base_url=http://localhost:8091/sep24/interactive
-sep24.more_info_url.base_url=http://localhost:8080/sep24/transaction/more_info
-# clients
-clients[0].name=reference
-clients[0].type=noncustodial
-clients[0].domain=wallet-server:8092
-clients[0].callback_url=http://wallet-server:8092/callbacks
-clients[1].name=referenceCustodial
-clients[1].type=custodial
-clients[1].signing_key=GDJLBYYKMCXNVVNABOE66NYXQGIA5AC5D223Z2KF6ZEYK4UBCA7FKLTG
-clients[1].callback_url=http://wallet-server:8092/callbacks
\ No newline at end of file
diff --git a/service-runner/src/main/resources/profiles/sep24/test.env b/service-runner/src/main/resources/profiles/sep24/test.env
deleted file mode 100644
index 25cf41b2b3..0000000000
--- a/service-runner/src/main/resources/profiles/sep24/test.env
+++ /dev/null
@@ -1,13 +0,0 @@
-# Test configurations
-anchor.domain=http://localhost:8080
-sep.server.url=http://localhost:8080
-reference.server.url=http://localhost:8091
-observer.server.url=http://localhost:8083
-platform.server.url=http://localhost:8085
-wallet.server.url=http://localhost:8092
-run_docker=true
-run_all_servers=true
-
-# Enable the test flows in the kotlin reference server
-sep24.enableTest=true
-sep24.interactiveJwtKey=secret_sep24_interactive_url_jwt_secret
\ No newline at end of file
diff --git a/settings.gradle.kts b/settings.gradle.kts
index b6bd43c19e..4c8bdb5794 100644
--- a/settings.gradle.kts
+++ b/settings.gradle.kts
@@ -9,8 +9,7 @@ include("core")
 /** Anchor Platform */
 include("platform")
 
-/** Anchor Reference Server */
-include("anchor-reference-server")
+/** Reference Server */
 include("kotlin-reference-server")
 include("wallet-reference-server")