diff --git a/api-schema/src/test/kotlin/org/stellar/anchor/api/shared/StellarPaymentTest.kt b/api-schema/src/test/kotlin/org/stellar/anchor/api/shared/StellarPaymentTest.kt
index 31c7aed3eb..2805195882 100644
--- a/api-schema/src/test/kotlin/org/stellar/anchor/api/shared/StellarPaymentTest.kt
+++ b/api-schema/src/test/kotlin/org/stellar/anchor/api/shared/StellarPaymentTest.kt
@@ -97,7 +97,8 @@ class StellarPaymentTest {
           "source_account": "GAS4OW4HKJCC2D6VWUHVFR3MJRRVQBXBFQ3LCZJXBR7TWOOBJWE4SRWZ",
           "destination_account": "GBQC7NCZMQIPWN6ASUJYIDKDPRK34IOIZNQE5WOHPQH536VMOMQVJTN7"
       }
-    """.trimIndent()
+    """
+        .trimIndent()
     val actual = mapper.writeValueAsString(mockPayment1)
 
     JSONAssert.assertEquals(expected, actual, true)
diff --git a/api-schema/src/test/kotlin/org/stellar/anchor/api/shared/StellarTransactionTest.kt b/api-schema/src/test/kotlin/org/stellar/anchor/api/shared/StellarTransactionTest.kt
index 2dbc90efa9..634e80f4b9 100644
--- a/api-schema/src/test/kotlin/org/stellar/anchor/api/shared/StellarTransactionTest.kt
+++ b/api-schema/src/test/kotlin/org/stellar/anchor/api/shared/StellarTransactionTest.kt
@@ -53,7 +53,7 @@ class StellarTransactionTest {
           .createdAt(createdAt)
           .envelope("here_comes_the_envelope")
           .payments(listOf(mockPayment1))
-          .build()
+          .build(),
       )
 
     val wantTxList =
@@ -95,7 +95,7 @@ class StellarTransactionTest {
           .createdAt(createdAt)
           .envelope("here_comes_the_envelope")
           .payments(listOf(mockPayment1))
-          .build()
+          .build(),
       )
 
     val wantTxList =
@@ -133,7 +133,7 @@ class StellarTransactionTest {
           .createdAt(createdAt)
           .envelope("here_comes_the_envelope")
           .payments(listOf(mockPayment1))
-          .build()
+          .build(),
       )
 
     val wantTxList =
@@ -175,7 +175,7 @@ class StellarTransactionTest {
           .createdAt(createdAt)
           .envelope("here_comes_the_envelope")
           .payments(listOf(mockPayment2, mockPayment3))
-          .build()
+          .build(),
       )
 
     val wantTxList =
@@ -221,7 +221,7 @@ class StellarTransactionTest {
           .createdAt(createdAt)
           .envelope("here_comes_the_envelope")
           .payments(listOf(mockPayment3))
-          .build()
+          .build(),
       )
 
     val wantTxList =
@@ -245,7 +245,7 @@ class StellarTransactionTest {
           .createdAt(createdAt)
           .envelope("here_comes_the_envelope")
           .payments(listOf(mockPayment3))
-          .build()
+          .build(),
       )
 
     assertEquals(wantTxList, txList)
@@ -279,7 +279,8 @@ class StellarTransactionTest {
             "memo_type": "text",
             "created_at": 1690415946.788000000
         }
-    """.trimIndent()
+    """
+        .trimIndent()
     val actual =
       mapper.writeValueAsString(
         StellarTransaction.builder()
diff --git a/build.gradle.kts b/build.gradle.kts
index 349955ae02..db6e1a708d 100644
--- a/build.gradle.kts
+++ b/build.gradle.kts
@@ -53,7 +53,7 @@ subprojects {
       googleJavaFormat()
     }
 
-    kotlin { ktfmt("0.30").googleStyle() }
+    kotlin { ktfmt("0.47").googleStyle() }
   }
 
   dependencies {
@@ -118,7 +118,7 @@ subprojects {
 
 allprojects {
   group = "org.stellar.anchor-sdk"
-  version = "1.2.24"
+  version = "1.2.25"
 
   tasks.jar {
     manifest {
diff --git a/core/src/main/java/org/stellar/anchor/sep10/Sep10Service.java b/core/src/main/java/org/stellar/anchor/sep10/Sep10Service.java
index 3b1dc2942b..ded56375e8 100644
--- a/core/src/main/java/org/stellar/anchor/sep10/Sep10Service.java
+++ b/core/src/main/java/org/stellar/anchor/sep10/Sep10Service.java
@@ -175,7 +175,9 @@ public ChallengeResponse createChallenge(ChallengeRequest challengeRequest) thro
   }
 
   public ValidationResponse validateChallenge(ValidationRequest validationRequest)
-      throws IOException, InvalidSep10ChallengeException, URISyntaxException,
+      throws IOException,
+          InvalidSep10ChallengeException,
+          URISyntaxException,
           SepValidationException {
     if (validationRequest == null || validationRequest.getTransaction() == null) {
       throw new SepValidationException("{transaction} is required.");
diff --git a/core/src/main/java/org/stellar/anchor/sep24/Sep24Transaction.java b/core/src/main/java/org/stellar/anchor/sep24/Sep24Transaction.java
index 33e7ca4f85..fc863decf9 100644
--- a/core/src/main/java/org/stellar/anchor/sep24/Sep24Transaction.java
+++ b/core/src/main/java/org/stellar/anchor/sep24/Sep24Transaction.java
@@ -233,6 +233,7 @@ public interface Sep24Transaction {
   String getAmountOutAsset();
 
   void setAmountOutAsset(String amountOutAsset);
+
   /**
    * Amount of fee charged by anchor.
    *
diff --git a/core/src/main/java/org/stellar/anchor/sep24/Sep24TransactionStore.java b/core/src/main/java/org/stellar/anchor/sep24/Sep24TransactionStore.java
index 14ec9ac29c..74bc47b109 100644
--- a/core/src/main/java/org/stellar/anchor/sep24/Sep24TransactionStore.java
+++ b/core/src/main/java/org/stellar/anchor/sep24/Sep24TransactionStore.java
@@ -46,6 +46,7 @@ public interface Sep24TransactionStore {
    */
   List<Sep24Transaction> findTransactions(
       String accountId, String accountMemo, GetTransactionsRequest request) throws SepException;
+
   /**
    * Save a transaction.
    *
diff --git a/core/src/test/kotlin/org/stellar/anchor/TestHelper.kt b/core/src/test/kotlin/org/stellar/anchor/TestHelper.kt
index b57b43b4d3..f027229bb2 100644
--- a/core/src/test/kotlin/org/stellar/anchor/TestHelper.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/TestHelper.kt
@@ -13,7 +13,7 @@ class TestHelper {
       account: String = TEST_ACCOUNT,
       accountMemo: String? = null,
       hostUrl: String = "",
-      clientDomain: String = "vibrant.stellar.org"
+      clientDomain: String = "vibrant.stellar.org",
     ): JwtToken {
       val issuedAt: Long = System.currentTimeMillis() / 1000L
       return JwtToken.of(
@@ -22,7 +22,7 @@ class TestHelper {
         issuedAt,
         issuedAt + 60,
         "",
-        clientDomain
+        clientDomain,
       )
     }
   }
diff --git a/core/src/test/kotlin/org/stellar/anchor/auth/AuthHelperTest.kt b/core/src/test/kotlin/org/stellar/anchor/auth/AuthHelperTest.kt
index 9f5534d6e2..ce9755789d 100644
--- a/core/src/test/kotlin/org/stellar/anchor/auth/AuthHelperTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/auth/AuthHelperTest.kt
@@ -40,7 +40,7 @@ class AuthHelperTest {
           JwtToken.of(
             "http://localhost:8080",
             currentTimeMilliseconds / 1000L,
-            (currentTimeMilliseconds + JWT_EXPIRATION_MILLISECONDS) / 1000L
+            (currentTimeMilliseconds + JWT_EXPIRATION_MILLISECONDS) / 1000L,
           )
 
         val jwtService = JwtService("secret")
diff --git a/core/src/test/kotlin/org/stellar/anchor/auth/JwtServiceTest.kt b/core/src/test/kotlin/org/stellar/anchor/auth/JwtServiceTest.kt
index 40b825cbe4..5d4d201b44 100644
--- a/core/src/test/kotlin/org/stellar/anchor/auth/JwtServiceTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/auth/JwtServiceTest.kt
@@ -29,15 +29,7 @@ internal class JwtServiceTest {
     every { appConfig.jwtSecretKey } returns "jwt_secret"
 
     val jwtService = JwtService(appConfig)
-    val token =
-      JwtToken.of(
-        TEST_ISS,
-        TEST_SUB,
-        TEST_IAT,
-        TEST_EXP,
-        TEST_JTI,
-        TEST_CLIENT_DOMAIN,
-      )
+    val token = JwtToken.of(TEST_ISS, TEST_SUB, TEST_IAT, TEST_EXP, TEST_JTI, TEST_CLIENT_DOMAIN)
     val cipher = jwtService.encode(token)
     val dt = jwtService.decode(cipher)
 
diff --git a/core/src/test/kotlin/org/stellar/anchor/dto/sep38/InfoResponseTest.kt b/core/src/test/kotlin/org/stellar/anchor/dto/sep38/InfoResponseTest.kt
index 61a58ccb63..4daff4d9ab 100644
--- a/core/src/test/kotlin/org/stellar/anchor/dto/sep38/InfoResponseTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/dto/sep38/InfoResponseTest.kt
@@ -63,19 +63,19 @@ class InfoResponseTest {
     val wantSellDeliveryMethod =
       AssetInfo.Sep38Operation.DeliveryMethod(
         "WIRE",
-        "Send USD directly to the Anchor's bank account."
+        "Send USD directly to the Anchor's bank account.",
       )
     assertEquals(listOf(wantSellDeliveryMethod), fiatUSD.sellDeliveryMethods)
     val wantBuyDeliveryMethod =
       AssetInfo.Sep38Operation.DeliveryMethod(
         "WIRE",
-        "Have USD sent directly to your bank account."
+        "Have USD sent directly to your bank account.",
       )
     assertEquals(listOf(wantBuyDeliveryMethod), fiatUSD.buyDeliveryMethods)
     wantAssets =
       listOf(
         "stellar:JPYC:GBBD47IF6LWK7P7MDEVSCWR7DPUWV3NY3DTQEVFL4NAT4AQH3ZLLFLA5",
-        "stellar:USDC:GDQOE23CFSUMSVQK4Y5JHPPYK73VYCNHZHA7ENKCV37P6SUEO6XQBKPP"
+        "stellar:USDC:GDQOE23CFSUMSVQK4Y5JHPPYK73VYCNHZHA7ENKCV37P6SUEO6XQBKPP",
       )
     assertTrue(fiatUSD.exchangeableAssetNames.containsAll(wantAssets))
     assertTrue(wantAssets.containsAll(fiatUSD.exchangeableAssetNames))
diff --git a/core/src/test/kotlin/org/stellar/anchor/sep10/Sep10ServiceTest.kt b/core/src/test/kotlin/org/stellar/anchor/sep10/Sep10ServiceTest.kt
index 2c5943b8f1..d16bfbab56 100644
--- a/core/src/test/kotlin/org/stellar/anchor/sep10/Sep10ServiceTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/sep10/Sep10ServiceTest.kt
@@ -54,7 +54,7 @@ internal class TestSigner(
   @SerializedName("key") val key: String,
   @SerializedName("type") val type: String,
   @SerializedName("weight") val weight: Int,
-  @SerializedName("sponsor") val sponsor: String
+  @SerializedName("sponsor") val sponsor: String,
 ) {
   fun toSigner(): AccountResponse.Signer {
     val gson = GsonUtils.getInstance()
@@ -181,7 +181,7 @@ internal class Sep10ServiceTest {
 
     val transaction =
       TransactionBuilder(AccountConverter.enableMuxed(), sourceAccount, Network.TESTNET)
-        .addTimeBounds(TimeBounds.expiresAfter(900))
+        .setTimeout(900)
         .setBaseFee(100)
         .addOperation(op1DomainNameMandatory)
         .addOperation(op2WebAuthDomainMandatory)
@@ -272,7 +272,7 @@ internal class Sep10ServiceTest {
 
     val transaction =
       TransactionBuilder(AccountConverter.enableMuxed(), sourceAccount, Network.TESTNET)
-        .addTimeBounds(TimeBounds.expiresAfter(900))
+        .setTimeout(900)
         .setBaseFee(100)
         .addOperation(op1DomainNameMandatory)
         .addOperation(op2WebAuthDomainMandatory)
@@ -345,7 +345,7 @@ internal class Sep10ServiceTest {
 
     val transaction =
       TransactionBuilder(AccountConverter.enableMuxed(), sourceAccount, Network.TESTNET)
-        .addTimeBounds(TimeBounds.expiresAfter(900))
+        .setTimeout(900)
         .setBaseFee(100)
         .addOperation(op1DomainNameMandatory)
         .addOperation(op2WebAuthDomainMandatory)
@@ -396,7 +396,7 @@ internal class Sep10ServiceTest {
         any(),
         any(),
         any(),
-        any()
+        any(),
       )
     }
   }
@@ -415,7 +415,7 @@ internal class Sep10ServiceTest {
         TimeBounds(now, now + 900),
         clientDomain,
         if (clientDomain.isEmpty()) "" else clientDomainKeyPair.accountId,
-        memo
+        memo,
       )
     txn.sign(clientKeyPair)
     if (clientDomain.isNotEmpty() && signWithClientDomain) {
@@ -448,7 +448,7 @@ internal class Sep10ServiceTest {
     val signers =
       arrayOf(
         TestSigner(clientKeyPair.accountId, "ed25519_public_key", 1, "").toSigner(),
-        TestSigner(clientDomainKeyPair.accountId, "ed25519_public_key", 1, "").toSigner()
+        TestSigner(clientDomainKeyPair.accountId, "ed25519_public_key", 1, "").toSigner(),
       )
 
     every { accountResponse.signers } returns signers
diff --git a/core/src/test/kotlin/org/stellar/anchor/sep24/Sep24ServiceTest.kt b/core/src/test/kotlin/org/stellar/anchor/sep24/Sep24ServiceTest.kt
index ff57c11251..5065035874 100644
--- a/core/src/test/kotlin/org/stellar/anchor/sep24/Sep24ServiceTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/sep24/Sep24ServiceTest.kt
@@ -110,7 +110,7 @@ internal class Sep24ServiceTest {
     assertEquals(slotTxn.captured.assetCode, "USDC")
     assertEquals(
       slotTxn.captured.assetIssuer,
-      "GDQOE23CFSUMSVQK4Y5JHPPYK73VYCNHZHA7ENKCV37P6SUEO6XQBKPP"
+      "GDQOE23CFSUMSVQK4Y5JHPPYK73VYCNHZHA7ENKCV37P6SUEO6XQBKPP",
     )
     assertEquals(slotTxn.captured.sep10Account, TEST_ACCOUNT)
     assertEquals(slotTxn.captured.fromAccount, TEST_ACCOUNT)
@@ -135,10 +135,7 @@ internal class Sep24ServiceTest {
     assertEquals(tokenStrings.size, 1)
     tokenString = tokenStrings[0].value
     decodedToken = jwtService.decode(tokenString)
-    assertEquals(
-      "$TEST_ACCOUNT:$TEST_MEMO",
-      decodedToken.sub,
-    )
+    assertEquals("$TEST_ACCOUNT:$TEST_MEMO", decodedToken.sub)
     assertEquals(TEST_CLIENT_DOMAIN, decodedToken.clientDomain)
   }
 
@@ -151,7 +148,7 @@ internal class Sep24ServiceTest {
       "amount" to "123.4",
       "email_address" to "jamie@stellar.org",
       "first_name" to "Jamie",
-      "last_name" to "Li"
+      "last_name" to "Li",
     )
   }
 
@@ -249,10 +246,7 @@ internal class Sep24ServiceTest {
     assertEquals(tokenStrings.size, 1)
     val tokenString = tokenStrings[0].value
     val decodedToken = jwtService.decode(tokenString)
-    assertEquals(
-      "$TEST_ACCOUNT:$TEST_MEMO",
-      decodedToken.sub,
-    )
+    assertEquals("$TEST_ACCOUNT:$TEST_MEMO", decodedToken.sub)
     assertEquals(TEST_CLIENT_DOMAIN, decodedToken.clientDomain)
   }
 
@@ -354,7 +348,7 @@ internal class Sep24ServiceTest {
           10,
           "2021-12-20T19:30:58+00:00",
           "1",
-          "en-US"
+          "en-US",
         )
       sep24Service.findTransactions(createJwtToken(), gtr)
     }
diff --git a/core/src/test/kotlin/org/stellar/anchor/sep31/RefundsTest.kt b/core/src/test/kotlin/org/stellar/anchor/sep31/RefundsTest.kt
index deee947e50..09cf5b6462 100644
--- a/core/src/test/kotlin/org/stellar/anchor/sep31/RefundsTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/sep31/RefundsTest.kt
@@ -69,7 +69,7 @@ class RefundsTest {
               .id("B")
               .amount("50")
               .fee("4")
-              .build()
+              .build(),
           )
         )
         .build()
@@ -118,7 +118,7 @@ class RefundsTest {
               .fee(Amount("4", stellarUSDC))
               .refundedAt(null)
               .refundedAt(null)
-              .build()
+              .build(),
           )
         )
         .build()
@@ -152,7 +152,7 @@ class RefundsTest {
               .fee(Amount("4", stellarUSDC))
               .refundedAt(Instant.now())
               .refundedAt(Instant.now())
-              .build()
+              .build(),
           )
         )
         .build()
diff --git a/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31HelperTest.kt b/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31HelperTest.kt
index 41e9c63f91..e23f42edf6 100644
--- a/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31HelperTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31HelperTest.kt
@@ -38,7 +38,8 @@ class Sep31HelperTest {
         "pending_sender",
         "completed",
         "expired",
-        "error"]
+        "error",
+      ]
   )
   fun `test validate status`(status: String) {
     val txn = PojoSep31Transaction()
diff --git a/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31ServiceTest.kt b/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31ServiceTest.kt
index 3010eefa72..7cb8a8fd54 100644
--- a/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31ServiceTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31ServiceTest.kt
@@ -351,9 +351,7 @@ class Sep31ServiceTest {
   @Test
   fun `test quotes supported and required validation`() {
     val assetServiceQuotesNotSupported: AssetService =
-      ResourceJsonAssetService(
-        "test_assets.json.quotes_required_but_not_supported",
-      )
+      ResourceJsonAssetService("test_assets.json.quotes_required_but_not_supported")
     val ex: AnchorException = assertThrows {
       Sep31Service(
         appConfig,
@@ -368,10 +366,7 @@ class Sep31ServiceTest {
       )
     }
     assertInstanceOf(SepValidationException::class.java, ex)
-    assertEquals(
-      "if quotes_required is true, quotes_supported must also be true",
-      ex.message,
-    )
+    assertEquals("if quotes_required is true, quotes_supported must also be true", ex.message)
   }
 
   @Test
@@ -611,7 +606,7 @@ class Sep31ServiceTest {
     assertInstanceOf(Sep31CustomerInfoNeededException::class.java, ex)
     assertEquals(
       "[sep31-receiver, sep31-foreign-receiver]",
-      (ex as Sep31CustomerInfoNeededException).type
+      (ex as Sep31CustomerInfoNeededException).type,
     )
 
     // receiver status is not ACCEPTED
@@ -625,7 +620,7 @@ class Sep31ServiceTest {
     assertInstanceOf(Sep31CustomerInfoNeededException::class.java, ex)
     assertEquals(
       "[sep31-receiver, sep31-foreign-receiver]",
-      (ex as Sep31CustomerInfoNeededException).type
+      (ex as Sep31CustomerInfoNeededException).type,
     )
 
     // missing sender_id
@@ -641,7 +636,7 @@ class Sep31ServiceTest {
     assertInstanceOf(Sep31CustomerInfoNeededException::class.java, ex)
     assertEquals(
       "[sep31-sender, sep31-large-sender, sep31-foreign-sender]",
-      (ex as Sep31CustomerInfoNeededException).type
+      (ex as Sep31CustomerInfoNeededException).type,
     )
 
     // sender status is not ACCEPTED
@@ -655,7 +650,7 @@ class Sep31ServiceTest {
     assertInstanceOf(Sep31CustomerInfoNeededException::class.java, ex)
     assertEquals(
       "[sep31-sender, sep31-large-sender, sep31-foreign-sender]",
-      (ex as Sep31CustomerInfoNeededException).type
+      (ex as Sep31CustomerInfoNeededException).type,
     )
 
     // ----- QUOTE_ID IS USED ⬇️ -----
@@ -742,7 +737,7 @@ class Sep31ServiceTest {
           "receiver_account_number" to "1",
           "type" to "1",
           "receiver_routing_number" to "SWIFT",
-        ),
+        )
       )
 
     // Make sure we can get the sender and receiver customers
@@ -826,7 +821,8 @@ class Sep31ServiceTest {
       "creator": {
         "account": "GBJDSMTMG4YBP27ZILV665XBISBBNRP62YB7WZA2IQX2HIPK7ABLF4C2"
       }
-    }""".trimMargin()
+    }"""
+        .trimMargin()
     JSONAssert.assertEquals(wantTx, gotTx, true)
 
     // validate event response
@@ -858,13 +854,13 @@ class Sep31ServiceTest {
         .customers(
           Customers(
             StellarId.builder().id(senderId).build(),
-            StellarId.builder().id(receiverId).build()
+            StellarId.builder().id(receiverId).build(),
           )
         )
         .creator(
           StellarId.builder()
             .account("GBJDSMTMG4YBP27ZILV665XBISBBNRP62YB7WZA2IQX2HIPK7ABLF4C2")
-            .build(),
+            .build()
         )
         .build()
     assertEquals(wantEvent, txEventSlot.captured)
@@ -897,7 +893,7 @@ class Sep31ServiceTest {
           "receiver_account_number" to "1",
           "type" to "1",
           "receiver_routing_number" to "SWIFT",
-        ),
+        )
       )
 
     // Make sure we can get the sender and receiver customers
@@ -943,7 +939,7 @@ class Sep31ServiceTest {
           "receiver_account_number" to "1",
           "type" to "1",
           "receiver_routing_number" to "SWIFT",
-        ),
+        )
       )
 
     // Make sure we can get the sender and receiver customers
@@ -991,9 +987,7 @@ class Sep31ServiceTest {
       }
 
     val assetServiceQuotesNotSupported: AssetService =
-      ResourceJsonAssetService(
-        "test_assets.json.quotes_not_supported",
-      )
+      ResourceJsonAssetService("test_assets.json.quotes_not_supported")
     sep31Service =
       Sep31Service(
         appConfig,
@@ -1021,17 +1015,11 @@ class Sep31ServiceTest {
           "receiver_account_number" to "1",
           "type" to "1",
           "receiver_routing_number" to "SWIFT",
-        ),
+        )
       )
 
     // Provide fee response.
-    every { feeIntegration.getFee(any()) } returns
-      GetFeeResponse(
-        Amount(
-          "2",
-          "stellar:USDC",
-        ),
-      )
+    every { feeIntegration.getFee(any()) } returns GetFeeResponse(Amount("2", "stellar:USDC"))
 
     // Make sure we can get the sender and receiver customers
     val mockCustomer = Sep12GetCustomerResponse()
@@ -1056,12 +1044,14 @@ class Sep31ServiceTest {
   val jpycJson =
     """
     {"enabled":true,"quotes_supported":true,"quotes_required":true,"fee_fixed":0,"fee_percent":0,"min_amount":1,"max_amount":1000000,"sep12":{"sender":{"types":{"sep31-sender":{"description":"Japanese citizens"}}},"receiver":{"types":{"sep31-receiver":{"description":"Japanese citizens receiving USD"}}}},"fields":{"transaction":{"receiver_routing_number":{"description":"routing number of the destination bank account","optional":false},"receiver_account_number":{"description":"bank account number of the destination","optional":false},"type":{"description":"type of deposit to make","choices":["ACH","SWIFT","WIRE"],"optional":false}}}}
-  """.trimIndent()
+  """
+      .trimIndent()
 
   val usdcJson =
     """
     {"enabled":true,"quotes_supported":true,"quotes_required":true,"fee_fixed":0,"fee_percent":0,"min_amount":1,"max_amount":1000000,"sep12":{"sender":{"types":{"sep31-sender":{"description":"U.S. citizens limited to sending payments of less than ${'$'}10,000 in value"},"sep31-large-sender":{"description":"U.S. citizens that do not have sending limits"},"sep31-foreign-sender":{"description":"non-U.S. citizens sending payments of less than ${'$'}10,000 in value"}}},"receiver":{"types":{"sep31-receiver":{"description":"U.S. citizens receiving USD"},"sep31-foreign-receiver":{"description":"non-U.S. citizens receiving USD"}}}},"fields":{"transaction":{"receiver_routing_number":{"description":"routing number of the destination bank account","optional":false},"receiver_account_number":{"description":"bank account number of the destination","optional":false},"type":{"description":"type of deposit to make","choices":["SEPA","SWIFT"],"optional":false}}}}
-  """.trimIndent()
+  """
+      .trimIndent()
 
   @Test
   fun `test INFO response`() {
@@ -1102,7 +1092,7 @@ class Sep31ServiceTest {
         "type" to
           AssetInfo.Sep31TxnFieldSpec("type of deposit to make", listOf("SEPA", "SWIFT"), false),
         "receiver_routing_number" to
-          AssetInfo.Sep31TxnFieldSpec("routing number of the destination bank account", null, false)
+          AssetInfo.Sep31TxnFieldSpec("routing number of the destination bank account", null, false),
       )
     assertEquals(wantMissingFields, ex4.missingFields)
 
diff --git a/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31TransactionBuilderTest.kt b/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31TransactionBuilderTest.kt
index 5cabfefeba..965f977963 100644
--- a/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31TransactionBuilderTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31TransactionBuilderTest.kt
@@ -31,7 +31,7 @@ class Sep31TransactionBuilderTest {
           .id("aa762cda-a193-4961-861e-57b31fed6eb3")
           .amount("20")
           .fee("1")
-          .build())
+          .build()),
       )
 
     val refunds =
diff --git a/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31TransactionTest.kt b/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31TransactionTest.kt
index b88fd2639a..4d69abc300 100644
--- a/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31TransactionTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/sep31/Sep31TransactionTest.kt
@@ -71,7 +71,7 @@ class Sep31TransactionTest {
     mockMissingFields.transaction =
       mapOf(
         "receiver_account_number" to
-          AssetInfo.Sep31TxnFieldSpec("bank account number of the destination", null, false),
+          AssetInfo.Sep31TxnFieldSpec("bank account number of the destination", null, false)
       )
 
     stellarTransaction =
@@ -158,7 +158,7 @@ class Sep31TransactionTest {
               .fee(Amount("4.0000", fiatUSD))
               .requestedAt(null)
               .refundedAt(null)
-              .build()
+              .build(),
           )
         )
         .build()
@@ -185,7 +185,7 @@ class Sep31TransactionTest {
         .customers(
           Customers(
             StellarId("6c1770b0-0ea4-11ed-861d-0242ac120002", null),
-            StellarId("31212353-f265-4dba-9eb4-0bbeda3ba7f2", null)
+            StellarId("31212353-f265-4dba-9eb4-0bbeda3ba7f2", null),
           )
         )
         .creator(StellarId("141ee445-f32c-4c38-9d25-f4475d6c5558", null))
@@ -204,7 +204,7 @@ class Sep31TransactionTest {
         .payments(
           listOf<Sep31RefundPayment>(
             Sep31RefundPayment.builder().id("1111").amount("50.0000").fee("4.0000").build(),
-            Sep31RefundPayment.builder().id("2222").amount("40.0000").fee("4.0000").build()
+            Sep31RefundPayment.builder().id("2222").amount("40.0000").fee("4.0000").build(),
           )
         )
         .build()
diff --git a/core/src/test/kotlin/org/stellar/anchor/sep38/Sep38ServiceTest.kt b/core/src/test/kotlin/org/stellar/anchor/sep38/Sep38ServiceTest.kt
index c2c7b6fc85..ee1136f391 100644
--- a/core/src/test/kotlin/org/stellar/anchor/sep38/Sep38ServiceTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/sep38/Sep38ServiceTest.kt
@@ -121,13 +121,13 @@ class Sep38ServiceTest {
     val wantSellDeliveryMethod =
       AssetInfo.Sep38Operation.DeliveryMethod(
         "WIRE",
-        "Send USD directly to the Anchor's bank account."
+        "Send USD directly to the Anchor's bank account.",
       )
     assertEquals(listOf(wantSellDeliveryMethod), fiatUSD.sellDeliveryMethods)
     val wantBuyDeliveryMethod =
       AssetInfo.Sep38Operation.DeliveryMethod(
         "WIRE",
-        "Have USD sent directly to your bank account."
+        "Have USD sent directly to your bank account.",
       )
     assertEquals(listOf(wantBuyDeliveryMethod), fiatUSD.buyDeliveryMethods)
     wantAssets =
@@ -153,7 +153,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         null,
-        null
+        null,
       )
 
     val token = createJwtToken("GDJLBYYKMCXNVVNABOE66NYXQGIA5AC5D223Z2KF6ZEYK4UBCA7FKLTG")
@@ -230,7 +230,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         null,
-        null
+        null,
       )
 
     // test happy path with the minimum parameters
@@ -279,7 +279,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         null,
-        null
+        null,
       )
 
     // test happy path with all the parameters
@@ -315,7 +315,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         null,
-        null
+        null,
       )
 
     // test happy path with the minimum parameters and specify buy_delivery_method
@@ -347,7 +347,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         null,
-        null
+        null,
       )
 
     // empty sell_asset
@@ -469,7 +469,7 @@ class Sep38ServiceTest {
         "1.03",
         "102000000",
         "100000000",
-        mockSellAssetFee(fiatUSD)
+        mockSellAssetFee(fiatUSD),
       )
     ex = assertThrows { sep38Service.getPrice(sep10Token, getPriceRequestBuilder.build()) }
     assertInstanceOf(BadRequestException::class.java, ex)
@@ -507,7 +507,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         null,
-        null
+        null,
       )
 
     // test happy path with the minimum parameters using sellAmount
@@ -554,7 +554,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         null,
-        null
+        null,
       )
 
     // test happy path with the minimum parameters using buyAmount
@@ -603,7 +603,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         null,
-        null
+        null,
       )
 
     // test happy path with all the parameters using sellAmount
@@ -655,7 +655,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         null,
-        null
+        null,
       )
 
     // test happy path with all the parameters using buyAmount
@@ -698,7 +698,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         null,
-        null
+        null,
       )
 
     // empty sep38QuoteStore should throw an error
@@ -713,7 +713,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         quoteStore,
-        null
+        null,
       )
 
     // empty token
@@ -734,256 +734,236 @@ class Sep38ServiceTest {
     assertEquals("sell_asset cannot be empty", ex.message)
 
     // nonexistent sell_asset
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder().sellAssetName("foo:bar").build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder().sellAssetName("foo:bar").build(),
+      )
+    }
     assertInstanceOf(NotFoundException::class.java, ex)
     assertEquals("sell_asset not found", ex.message)
 
     // empty buy_asset
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder().sellAssetName(fiatUSD).build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(token, Sep38PostQuoteRequest.builder().sellAssetName(fiatUSD).build())
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("buy_asset cannot be empty", ex.message)
 
     // nonexistent buy_asset
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder().sellAssetName(fiatUSD).buyAssetName("foo:bar").build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder().sellAssetName(fiatUSD).buyAssetName("foo:bar").build(),
+      )
+    }
     assertInstanceOf(NotFoundException::class.java, ex)
     assertEquals("buy_asset not found", ex.message)
 
     // both sell_amount & buy_amount are empty
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder().sellAssetName(fiatUSD).buyAssetName(stellarUSDC).build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder().sellAssetName(fiatUSD).buyAssetName(stellarUSDC).build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("Please provide either sell_amount or buy_amount", ex.message)
 
     // both sell_amount & buy_amount are filled
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .sellAmount("100")
-            .buyAssetName(stellarUSDC)
-            .buyAmount("100")
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .sellAmount("100")
+          .buyAssetName(stellarUSDC)
+          .buyAmount("100")
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("Please provide either sell_amount or buy_amount", ex.message)
 
     // invalid (not a number) sell_amount
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .sellAmount("foo")
-            .buyAssetName(stellarUSDC)
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .sellAmount("foo")
+          .buyAssetName(stellarUSDC)
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("sell_amount is invalid", ex.message)
 
     // sell_amount should be positive
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .sellAmount("-0.01")
-            .buyAssetName(stellarUSDC)
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .sellAmount("-0.01")
+          .buyAssetName(stellarUSDC)
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("sell_amount should be positive", ex.message)
 
     // sell_amount should be positive
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .sellAmount("0")
-            .buyAssetName(stellarUSDC)
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .sellAmount("0")
+          .buyAssetName(stellarUSDC)
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("sell_amount should be positive", ex.message)
 
     // invalid (not a number) buy_amount
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .buyAssetName(stellarUSDC)
-            .buyAmount("bar")
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .buyAssetName(stellarUSDC)
+          .buyAmount("bar")
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("buy_amount is invalid", ex.message)
 
     // buy_amount should be positive
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .buyAssetName(stellarUSDC)
-            .buyAmount("-0.02")
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .buyAssetName(stellarUSDC)
+          .buyAmount("-0.02")
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("buy_amount should be positive", ex.message)
 
     // buy_amount should be positive
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .buyAssetName(stellarUSDC)
-            .buyAmount("0")
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .buyAssetName(stellarUSDC)
+          .buyAmount("0")
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("buy_amount should be positive", ex.message)
 
     // unsupported sell_delivery_method
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .sellAmount("1.23")
-            .sellDeliveryMethod("FOO")
-            .buyAssetName(stellarUSDC)
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .sellAmount("1.23")
+          .sellDeliveryMethod("FOO")
+          .buyAssetName(stellarUSDC)
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("Unsupported sell delivery method", ex.message)
 
     // unsupported buy_delivery_method
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .sellAmount("1.23")
-            .sellDeliveryMethod("WIRE")
-            .buyAssetName(stellarUSDC)
-            .buyDeliveryMethod("BAR")
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .sellAmount("1.23")
+          .sellDeliveryMethod("WIRE")
+          .buyAssetName(stellarUSDC)
+          .buyDeliveryMethod("BAR")
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("Unsupported buy delivery method", ex.message)
 
     // unsupported country_code
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .sellAmount("1.23")
-            .sellDeliveryMethod("WIRE")
-            .buyAssetName(stellarUSDC)
-            .countryCode("BRA")
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .sellAmount("1.23")
+          .sellDeliveryMethod("WIRE")
+          .buyAssetName(stellarUSDC)
+          .countryCode("BRA")
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("Unsupported country code", ex.message)
 
     // unsupported expire_after
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .sellAmount("1.23")
-            .sellDeliveryMethod("WIRE")
-            .buyAssetName(stellarUSDC)
-            .countryCode("USA")
-            .expireAfter("2022-04-18T23:33:24.629719Z")
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .sellAmount("1.23")
+          .sellDeliveryMethod("WIRE")
+          .buyAssetName(stellarUSDC)
+          .countryCode("USA")
+          .expireAfter("2022-04-18T23:33:24.629719Z")
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("Unsupported context. Should be one of [sep6, sep31].", ex.message)
 
     // sell_amount should be within limit
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .sellAmount("100000000")
-            .sellDeliveryMethod("WIRE")
-            .context(SEP31)
-            .buyAssetName(stellarUSDC)
-            .countryCode("USA")
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .sellAmount("100000000")
+          .sellDeliveryMethod("WIRE")
+          .context(SEP31)
+          .buyAssetName(stellarUSDC)
+          .countryCode("USA")
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("sell_amount exceeds max limit", ex.message)
 
     // sell_amount should be positive
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .sellAmount("0.5")
-            .sellDeliveryMethod("WIRE")
-            .context(SEP31)
-            .buyAssetName(stellarUSDC)
-            .countryCode("USA")
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .sellAmount("0.5")
+          .sellDeliveryMethod("WIRE")
+          .context(SEP31)
+          .buyAssetName(stellarUSDC)
+          .countryCode("USA")
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("sell_amount less than min limit", ex.message)
 
@@ -994,22 +974,21 @@ class Sep38ServiceTest {
         "1.03",
         "102000000",
         "100000000",
-        mockSellAssetFee(fiatUSD)
+        mockSellAssetFee(fiatUSD),
       )
-    ex =
-      assertThrows {
-        sep38Service.postQuote(
-          token,
-          Sep38PostQuoteRequest.builder()
-            .sellAssetName(fiatUSD)
-            .sellDeliveryMethod("WIRE")
-            .context(SEP31)
-            .buyAssetName(stellarUSDC)
-            .buyAmount("100000000")
-            .countryCode("USA")
-            .build()
-        )
-      }
+    ex = assertThrows {
+      sep38Service.postQuote(
+        token,
+        Sep38PostQuoteRequest.builder()
+          .sellAssetName(fiatUSD)
+          .sellDeliveryMethod("WIRE")
+          .context(SEP31)
+          .buyAssetName(stellarUSDC)
+          .buyAmount("100000000")
+          .countryCode("USA")
+          .build(),
+      )
+    }
     assertInstanceOf(BadRequestException::class.java, ex)
     assertEquals("sell_amount exceeds max limit", ex.message)
   }
@@ -1049,7 +1028,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         quoteStore,
-        eventService
+        eventService,
       )
 
     val slotQuote = slot<Sep38Quote>()
@@ -1071,7 +1050,7 @@ class Sep38ServiceTest {
             .sellAssetName(fiatUSD)
             .sellAmount("103")
             .buyAssetName(stellarUSDC)
-            .build()
+            .build(),
         )
     }
     val wantResponse =
@@ -1182,7 +1161,7 @@ class Sep38ServiceTest {
             .sellAssetName(fiatUSD)
             .buyAssetName(stellarUSDC)
             .buyAmount("100")
-            .build()
+            .build(),
         )
     }
     val wantResponse =
@@ -1274,7 +1253,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         quoteStore,
-        eventService
+        eventService,
       )
 
     val slotQuote = slot<Sep38Quote>()
@@ -1299,7 +1278,7 @@ class Sep38ServiceTest {
             .buyAssetName(stellarUSDC)
             .countryCode("USA")
             .expireAfter(now.toString())
-            .build()
+            .build(),
         )
     }
     val wantResponse =
@@ -1393,7 +1372,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         quoteStore,
-        eventService
+        eventService,
       )
 
     val slotQuote = slot<Sep38Quote>()
@@ -1418,7 +1397,7 @@ class Sep38ServiceTest {
             .buyAmount("100")
             .countryCode("USA")
             .expireAfter(now.toString())
-            .build()
+            .build(),
         )
     }
     val wantResponse =
@@ -1518,7 +1497,7 @@ class Sep38ServiceTest {
         sep38Service.assetService,
         mockRateIntegration,
         quoteStore,
-        eventService
+        eventService,
       )
 
     val slotQuote = slot<Sep38Quote>()
@@ -1543,7 +1522,7 @@ class Sep38ServiceTest {
             .buyAmount(requestBuyAmount)
             .countryCode("USA")
             .expireAfter(now.toString())
-            .build()
+            .build(),
         )
     }
     val wantResponse =
diff --git a/core/src/test/kotlin/org/stellar/anchor/util/ExponentialBackoffTimerTest.kt b/core/src/test/kotlin/org/stellar/anchor/util/ExponentialBackoffTimerTest.kt
index 0ef3bf505d..e4ada48ef2 100644
--- a/core/src/test/kotlin/org/stellar/anchor/util/ExponentialBackoffTimerTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/util/ExponentialBackoffTimerTest.kt
@@ -18,7 +18,7 @@ internal class ExponentialBackoffTimerTest {
     ex = assertThrows { ExponentialBackoffTimer(1, 0) }
     assertEquals(
       "The formula 'maxSleepSeconds >= initialSleepSeconds' is not being respected.",
-      ex.message
+      ex.message,
     )
 
     // constructor with all parameters works
@@ -31,11 +31,11 @@ internal class ExponentialBackoffTimerTest {
     assertDoesNotThrow { exponentialBackoffTimer = ExponentialBackoffTimer() }
     assertEquals(
       ExponentialBackoffTimer.DEFAULT_INITIAL_SLEEP_SECONDS,
-      exponentialBackoffTimer.initialSleepSeconds
+      exponentialBackoffTimer.initialSleepSeconds,
     )
     assertEquals(
       ExponentialBackoffTimer.DEFAULT_MAX_SLEEP_SECONDS,
-      exponentialBackoffTimer.maxSleepSeconds
+      exponentialBackoffTimer.maxSleepSeconds,
     )
   }
 
diff --git a/core/src/test/kotlin/org/stellar/anchor/util/MathHelperTest.kt b/core/src/test/kotlin/org/stellar/anchor/util/MathHelperTest.kt
index b152ce64e8..fbd6b6ec28 100644
--- a/core/src/test/kotlin/org/stellar/anchor/util/MathHelperTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/util/MathHelperTest.kt
@@ -30,7 +30,7 @@ class MathHelperTest {
     assertInstanceOf(NumberFormatException::class.java, ex)
     assertEquals(
       "Character a is neither a decimal digit number, decimal point, nor \"e\" notation exponential mark.",
-      ex.message
+      ex.message,
     )
   }
 }
diff --git a/core/src/test/kotlin/org/stellar/anchor/util/OkHttpUtilTest.kt b/core/src/test/kotlin/org/stellar/anchor/util/OkHttpUtilTest.kt
index daafaaf3e5..a5d949f509 100644
--- a/core/src/test/kotlin/org/stellar/anchor/util/OkHttpUtilTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/util/OkHttpUtilTest.kt
@@ -10,6 +10,7 @@ internal class OkHttpUtilTest {
     val TEST_URL = "https://www.stellar.org"
     val TEST_JSON = "{}"
   }
+
   @Test
   fun `test buildClient() ok`() {
     val client = OkHttpUtil.buildClient()
diff --git a/core/src/test/kotlin/org/stellar/anchor/util/SepLanguageHelperTest.kt b/core/src/test/kotlin/org/stellar/anchor/util/SepLanguageHelperTest.kt
index 257494e744..a60b886971 100644
--- a/core/src/test/kotlin/org/stellar/anchor/util/SepLanguageHelperTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/util/SepLanguageHelperTest.kt
@@ -17,6 +17,7 @@ class SepLanguageHelperTest {
     MockKAnnotations.init(this, relaxUnitFun = true)
     SepLanguageHelper.reset()
   }
+
   @Test
   fun `test validateLanguage()`() {
     every { appConfig.languages } returns
@@ -31,7 +32,7 @@ class SepLanguageHelperTest {
         "fr-CA",
         "zh-TW",
         "zh-CN",
-        "uk-UA"
+        "uk-UA",
       )
 
     Assertions.assertEquals("en", validateLanguage(appConfig, "pt"))
diff --git a/gradle/libs.versions.toml b/gradle/libs.versions.toml
index 28518d111d..1119d43b01 100644
--- a/gradle/libs.versions.toml
+++ b/gradle/libs.versions.toml
@@ -16,7 +16,7 @@ httpclient = "4.5.13"
 h2database = "1.4.200"
 hibernate-types = "2.18.0"
 jackson-dataformat-yaml = "2.13.2"
-java-stellar-sdk = "0.42.0"
+java-stellar-sdk = "0.43.0"
 javax-jaxb-api = "2.3.1"
 javax-transaction-api = "1.3"
 jjwt = "0.9.1"
@@ -25,13 +25,13 @@ junit = "5.8.2"
 junit-suite-engine = "1.8.2"
 kafka = "3.1.0"
 kafka-json-schema = "7.0.1"
-kotlin = "1.6.20"
+kotlin = "1.9.23"
 log4j = "2.17.1"
 log4j-template-json = "2.14.1"
 lombok = "1.18.22"
 mockk = "1.12.2"
 micrometer-prometheus = "1.9.0"
-okhttp3 = "4.9.3"
+okhttp3 = "4.12.0"
 postgresql = "42.3.5"
 reactor-core = "3.4.14"
 reactor-netty = "1.0.15"
@@ -44,7 +44,7 @@ toml4j = "0.7.2"
 
 
 # Plugin versions
-spotless = "6.2.1"
+spotless = "6.24.0"
 spring-boot = "2.6.3"
 spring-dependency-management = "1.0.11.RELEASE"
 
diff --git a/gradle/wrapper/gradle-wrapper.properties b/gradle/wrapper/gradle-wrapper.properties
index ae04661ee7..a595206642 100644
--- a/gradle/wrapper/gradle-wrapper.properties
+++ b/gradle/wrapper/gradle-wrapper.properties
@@ -1,5 +1,5 @@
 distributionBase=GRADLE_USER_HOME
 distributionPath=wrapper/dists
-distributionUrl=https\://services.gradle.org/distributions/gradle-7.5.1-bin.zip
+distributionUrl=https\://services.gradle.org/distributions/gradle-8.5-bin.zip
 zipStoreBase=GRADLE_USER_HOME
 zipStorePath=wrapper/dists
diff --git a/integration-tests/src/main/kotlin/org/stellar/anchor/platform/Sep10Client.kt b/integration-tests/src/main/kotlin/org/stellar/anchor/platform/Sep10Client.kt
index a019e85762..6c8f3a3a6d 100644
--- a/integration-tests/src/main/kotlin/org/stellar/anchor/platform/Sep10Client.kt
+++ b/integration-tests/src/main/kotlin/org/stellar/anchor/platform/Sep10Client.kt
@@ -14,13 +14,13 @@ class Sep10Client(
   private val endpoint: String,
   private val serverAccount: String,
   private val walletAccount: String,
-  private val signingKeys: Array<String>
+  private val signingKeys: Array<String>,
 ) : SepClient() {
   constructor(
     endpoint: String,
     serverAccount: String,
     walletAccount: String,
-    signingSeed: String
+    signingSeed: String,
   ) : this(endpoint, serverAccount, walletAccount, arrayOf(signingSeed))
 
   fun auth(): String {
@@ -41,7 +41,7 @@ class Sep10Client(
   private fun sign(
     challengeResponse: ChallengeResponse,
     signingKeys: Array<String>,
-    serverAccount: String
+    serverAccount: String,
   ): String {
     val url = URL(endpoint)
     val webAuthDomain = url.authority
@@ -51,7 +51,7 @@ class Sep10Client(
         serverAccount,
         Network(challengeResponse.networkPassphrase),
         webAuthDomain, // TODO: home domain may be different than WEB_AUTH_DOMAIN
-        webAuthDomain
+        webAuthDomain,
       )
     for (signingKey in signingKeys) {
       challengeTransaction.transaction.sign(KeyPair.fromSecretSeed(signingKey))
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 4685c7f0ea..dc99ff2d5c 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
@@ -31,7 +31,7 @@ class Sep12Client(private val endpoint: String, private val jwt: String) : SepCl
 
   fun putCustomer(
     customerRequest: Sep12PutCustomerRequest,
-    mediaType: MediaType = TYPE_JSON
+    mediaType: MediaType = TYPE_JSON,
   ): Sep12PutCustomerResponse? {
     val body: RequestBody?
     when (mediaType) {
diff --git a/integration-tests/src/main/kotlin/org/stellar/anchor/platform/Sep38Client.kt b/integration-tests/src/main/kotlin/org/stellar/anchor/platform/Sep38Client.kt
index ef15f32256..4ac2108f46 100644
--- a/integration-tests/src/main/kotlin/org/stellar/anchor/platform/Sep38Client.kt
+++ b/integration-tests/src/main/kotlin/org/stellar/anchor/platform/Sep38Client.kt
@@ -36,7 +36,7 @@ class Sep38Client(private val endpoint: String, private val jwt: String) : SepCl
     sellAsset: String,
     sellAmount: String,
     buyAsset: String,
-    context: Sep38Context
+    context: Sep38Context,
   ): GetPriceResponse {
     // build URL
     val urlBuilder =
@@ -59,7 +59,7 @@ class Sep38Client(private val endpoint: String, private val jwt: String) : SepCl
     sellAmount: String,
     buyAsset: String,
     context: Sep38Context = SEP31,
-    expireAfter: Instant? = null
+    expireAfter: Instant? = null,
   ): Sep38QuoteResponse {
     // build URL
     println("$endpoint/quote")
diff --git a/integration-tests/src/main/kotlin/org/stellar/anchor/platform/SepClient.kt b/integration-tests/src/main/kotlin/org/stellar/anchor/platform/SepClient.kt
index af1c1f794d..50449868c7 100644
--- a/integration-tests/src/main/kotlin/org/stellar/anchor/platform/SepClient.kt
+++ b/integration-tests/src/main/kotlin/org/stellar/anchor/platform/SepClient.kt
@@ -56,8 +56,9 @@ open class SepClient {
     println("statusCode: " + response.code)
     println("responseBody: $responseBody")
     when (response.code) {
-      HttpStatus.OK.value(), HttpStatus.CREATED.value(), HttpStatus.ACCEPTED.value() ->
-        return responseBody
+      HttpStatus.OK.value(),
+      HttpStatus.CREATED.value(),
+      HttpStatus.ACCEPTED.value() -> return responseBody
       HttpStatus.FORBIDDEN.value() -> throw SepNotAuthorizedException("Forbidden")
       HttpStatus.NOT_FOUND.value() -> {
         val sepException = gson.fromJson(responseBody, SepExceptionResponse::class.java)
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AnchorPlatformIntegrationTest.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AnchorPlatformIntegrationTest.kt
index 0aebac8494..e8257456fb 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AnchorPlatformIntegrationTest.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/AnchorPlatformIntegrationTest.kt
@@ -47,7 +47,7 @@ class AnchorPlatformIntegrationTest {
       AuthHelper.forJwtToken(
         platformToAnchorJwtService,
         JWT_EXPIRATION_MILLISECONDS,
-        "http://localhost:$SEP_SERVER_PORT"
+        "http://localhost:$SEP_SERVER_PORT",
       )
 
     private lateinit var toml: Sep1Helper.TomlContent
@@ -64,7 +64,7 @@ class AnchorPlatformIntegrationTest {
         "http://localhost:$REFERENCE_SERVER_PORT",
         httpClient,
         authHelper,
-        gson
+        gson,
       )
     private val rri =
       RestRateIntegration("http://localhost:$REFERENCE_SERVER_PORT", httpClient, authHelper, gson)
@@ -166,7 +166,8 @@ class AnchorPlatformIntegrationTest {
         "sell_amount": "100",
         "buy_amount": "98.0392"
       }
-    }""".trimMargin()
+    }"""
+        .trimMargin()
     JSONAssert.assertEquals(wantBody, gson.toJson(result), true)
   }
 
@@ -202,14 +203,16 @@ class AnchorPlatformIntegrationTest {
           ]
         }
       }
-    }""".trimMargin()
+    }"""
+        .trimMargin()
     JSONAssert.assertEquals(wantBody, gson.toJson(result), true)
   }
 
   @Test
   fun testRate_firm() {
     val rate =
-      rri.getRate(
+      rri
+        .getRate(
           GetRateRequest.builder()
             .type(FIRM)
             .context(SEP31)
@@ -265,7 +268,8 @@ class AnchorPlatformIntegrationTest {
           ]
         }
       }
-    }""".trimMargin()
+    }"""
+        .trimMargin()
     JSONAssert.assertEquals(wantBody, gson.toJson(gotQuote), true)
   }
 
@@ -302,7 +306,7 @@ class AnchorPlatformIntegrationTest {
           "amount": "0.30"
         }
       }""",
-      true
+      true,
     )
   }
 
@@ -320,7 +324,7 @@ class AnchorPlatformIntegrationTest {
         "sep38.quoteIntegrationEndPoint" to "http://localhost:8081",
         "payment-gateway.circle.name" to "circle",
         "payment-gateway.circle.enabled" to "true",
-        "logging.level.root" to "INFO"
+        "logging.level.root" to "INFO",
       )
 
     tests.forEach { assertEquals(it.value, platformServerContext.environment[it.key]) }
@@ -355,7 +359,7 @@ class AnchorPlatformIntegrationTest {
     assertEquals(86400, sep10Config.jwtTimeout)
     assertEquals(
       "SAX3AH622R2XT6DXWWSRIDCMMUCCMATBZ5U6XKJWDO7M2EJUBFC3AW5X",
-      sep10Config.signingSeed
+      sep10Config.signingSeed,
     )
   }
 
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/ApiKeyAuthIntegrationTest.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/ApiKeyAuthIntegrationTest.kt
index c12400ac18..cdc5f190ea 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/ApiKeyAuthIntegrationTest.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/ApiKeyAuthIntegrationTest.kt
@@ -68,7 +68,7 @@ class ApiKeyAuthIntegrationTest {
     account: String,
     accountMemo: String? = null,
     hostUrl: String = "",
-    clientDomain: String = "vibrant.stellar.org"
+    clientDomain: String = "vibrant.stellar.org",
   ): JwtToken {
     val issuedAt: Long = System.currentTimeMillis() / 1000L
     return JwtToken.of(
@@ -77,7 +77,7 @@ class ApiKeyAuthIntegrationTest {
       issuedAt,
       issuedAt + 60,
       "",
-      clientDomain
+      clientDomain,
     )
   }
 
@@ -110,7 +110,7 @@ class ApiKeyAuthIntegrationTest {
         PLATFORM_SERVER_PORT,
         "/",
         mapOf("stellar.anchor.config" to "file:${newFilePath.toStr()}"),
-        true
+        true,
       )
   }
 
@@ -130,7 +130,8 @@ class ApiKeyAuthIntegrationTest {
         "PATCH,/transactions",
         "GET,/transactions/my_id",
         "GET,/exchange/quotes",
-        "GET,/exchange/quotes/id"]
+        "GET,/exchange/quotes/id",
+      ]
   )
   fun test_incomingPlatformAuth_emptyApiKey_authFails(method: String, endpoint: String) {
     val httpRequest =
@@ -151,7 +152,8 @@ class ApiKeyAuthIntegrationTest {
         "PATCH,/transactions",
         "GET,/transactions/my_id",
         "GET,/exchange/quotes",
-        "GET,/exchange/quotes/id"]
+        "GET,/exchange/quotes/id",
+      ]
   )
   fun test_incomingPlatformAuth_apiKey_authPasses(method: String, endpoint: String) {
     val httpRequest =
@@ -183,7 +185,8 @@ class ApiKeyAuthIntegrationTest {
           "asset": "iso4217:USD"
         }
       }
-    }""".trimMargin()
+    }"""
+            .trimMargin()
         )
     )
     val sep38Service = platformServerContext.getBean(Sep38Service::class.java)
@@ -220,10 +223,8 @@ class ApiKeyAuthIntegrationTest {
         &sell_amount=100
         &buy_asset=stellar%3AUSDC%3AGDQOE23CFSUMSVQK4Y5JHPPYK73VYCNHZHA7ENKCV37P6SUEO6XQBKPP
         &client_id=GDJLBYYKMCXNVVNABOE66NYXQGIA5AC5D223Z2KF6ZEYK4UBCA7FKLTG
-        """.replace(
-        "\n        ",
-        ""
-      )
+        """
+        .replace("\n        ", "")
     MatcherAssert.assertThat(request.path, CoreMatchers.endsWith(wantEndpoint))
     assertEquals("", request.body.readUtf8())
   }
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/PlatformTests.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/PlatformTests.kt
index e87160798e..08e928e15d 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/PlatformTests.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/PlatformTests.kt
@@ -162,11 +162,11 @@ fun testSep31UnhappyPath() {
   assertEquals(postTxResponse.id, gotSep31TxResponse.transaction.id)
   assertEquals(
     TransactionEvent.Status.PENDING_CUSTOMER_INFO_UPDATE.status,
-    gotSep31TxResponse.transaction.status
+    gotSep31TxResponse.transaction.status,
   )
   assertEquals(
     "The receiving customer clabe_number is invalid!",
-    gotSep31TxResponse.transaction.requiredInfoMessage
+    gotSep31TxResponse.transaction.requiredInfoMessage,
   )
   assertNull(gotSep31TxResponse.transaction.completedAt)
 
@@ -206,6 +206,6 @@ fun testSep31UnhappyPath() {
   assertNull(gotSep31TxResponse.transaction.requiredInfoMessage)
   assertEquals(
     patchedTx.completedAt.truncatedTo(SECONDS),
-    gotSep31TxResponse.transaction.completedAt.truncatedTo(SECONDS)
+    gotSep31TxResponse.transaction.completedAt.truncatedTo(SECONDS),
   )
 }
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/RestFeeIntegrationTest.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/RestFeeIntegrationTest.kt
index 811902d24b..e3e08cf3d4 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/RestFeeIntegrationTest.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/RestFeeIntegrationTest.kt
@@ -37,9 +37,10 @@ class RestFeeIntegrationTest {
       AuthHelper.forJwtToken(
         platformToAnchorJwtService,
         JWT_EXPIRATION_MILLISECONDS,
-        "http://localhost:8080"
+        "http://localhost:8080",
       )
   }
+
   private lateinit var server: MockWebServer
   private lateinit var feeIntegration: RestFeeIntegration
   private lateinit var mockJwtToken: String
@@ -54,7 +55,7 @@ class RestFeeIntegrationTest {
         server.url("").toString(),
         OkHttpUtil.buildClient(),
         authHelper,
-        GsonUtils.getInstance()
+        GsonUtils.getInstance(),
       )
 
     // Mock calendar to guarantee the jwt token format
@@ -70,7 +71,7 @@ class RestFeeIntegrationTest {
       JwtToken.of(
         "http://localhost:8080",
         currentTimeMilliseconds / 1000L,
-        (currentTimeMilliseconds + JWT_EXPIRATION_MILLISECONDS) / 1000L
+        (currentTimeMilliseconds + JWT_EXPIRATION_MILLISECONDS) / 1000L,
       )
     mockJwtToken = platformToAnchorJwtService.encode(jwtToken)
   }
@@ -81,15 +82,8 @@ class RestFeeIntegrationTest {
     unmockkAll()
   }
 
-  private fun mockGetFeeResponse(
-    amount: String,
-    asset: String,
-  ): MockResponse {
-    val fee =
-      hashMapOf(
-        "amount" to amount,
-        "asset" to asset,
-      )
+  private fun mockGetFeeResponse(amount: String, asset: String): MockResponse {
+    val fee = hashMapOf("amount" to amount, "asset" to asset)
 
     val bodyMap = hashMapOf("fee" to fee)
     return MockResponse()
@@ -129,40 +123,38 @@ class RestFeeIntegrationTest {
         &send_amount=10
         &client_id=%3Cclient-id%3E
         &sender_id=%3Csender-id%3E
-        &receiver_id=%3Creceiver-id%3E""".replace(
-          "\n        ",
-          ""
-        )
-      )
+        &receiver_id=%3Creceiver-id%3E"""
+          .replace("\n        ", "")
+      ),
     )
   }
 
   @Test
   fun test_getFee_errorHandling() {
     val validateRequest =
-        { statusCode: Int, responseBody: String?, wantException: AnchorException ->
-      // mock response
-      var mockResponse =
-        MockResponse().addHeader("Content-Type", "application/json").setResponseCode(statusCode)
-      if (responseBody != null) mockResponse = mockResponse.setBody(responseBody)
-      server.enqueue(mockResponse)
-
-      // execute command
-      val dummyRequest = GetFeeRequest.builder().build()
-      val ex = assertThrows<AnchorException> { feeIntegration.getFee(dummyRequest) }
-
-      // validate exception
-      assertEquals(wantException.javaClass, ex.javaClass)
-      assertEquals(wantException.message, ex.message)
-
-      // validateRequest
-      val request = server.takeRequest()
-      assertEquals("GET", request.method)
-      assertEquals("application/json", request.headers["Content-Type"])
-      assertEquals("Bearer $mockJwtToken", request.headers["Authorization"])
-      MatcherAssert.assertThat(request.path, CoreMatchers.endsWith("/fee"))
-      assertEquals("", request.body.readUtf8())
-    }
+      { statusCode: Int, responseBody: String?, wantException: AnchorException ->
+        // mock response
+        var mockResponse =
+          MockResponse().addHeader("Content-Type", "application/json").setResponseCode(statusCode)
+        if (responseBody != null) mockResponse = mockResponse.setBody(responseBody)
+        server.enqueue(mockResponse)
+
+        // execute command
+        val dummyRequest = GetFeeRequest.builder().build()
+        val ex = assertThrows<AnchorException> { feeIntegration.getFee(dummyRequest) }
+
+        // validate exception
+        assertEquals(wantException.javaClass, ex.javaClass)
+        assertEquals(wantException.message, ex.message)
+
+        // validateRequest
+        val request = server.takeRequest()
+        assertEquals("GET", request.method)
+        assertEquals("application/json", request.headers["Content-Type"])
+        assertEquals("Bearer $mockJwtToken", request.headers["Authorization"])
+        MatcherAssert.assertThat(request.path, CoreMatchers.endsWith("/fee"))
+        assertEquals("", request.body.readUtf8())
+      }
 
     // 400 without body
     validateRequest(400, null, BadRequestException("Bad Request"))
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/RestRateIntegrationTest.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/RestRateIntegrationTest.kt
index 23f56412db..9c3dfc9ca5 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/RestRateIntegrationTest.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/RestRateIntegrationTest.kt
@@ -40,9 +40,10 @@ class RestRateIntegrationTest {
       AuthHelper.forJwtToken(
         platformToAnchorJwtService,
         JWT_EXPIRATION_MILLISECONDS,
-        "http://localhost:8080"
+        "http://localhost:8080",
       )
   }
+
   private lateinit var server: MockWebServer
   private lateinit var rateIntegration: RestRateIntegration
   private lateinit var mockJwtToken: String
@@ -57,7 +58,7 @@ class RestRateIntegrationTest {
         server.url("").toString(),
         OkHttpUtil.buildClient(),
         authHelper,
-        GsonUtils.getInstance()
+        GsonUtils.getInstance(),
       )
 
     // Mock calendar to guarantee the jwt token format
@@ -73,7 +74,7 @@ class RestRateIntegrationTest {
       JwtToken.of(
         "http://localhost:8080",
         currentTimeMilliseconds / 1000L,
-        (currentTimeMilliseconds + JWT_EXPIRATION_MILLISECONDS) / 1000L
+        (currentTimeMilliseconds + JWT_EXPIRATION_MILLISECONDS) / 1000L,
       )
     mockJwtToken = platformToAnchorJwtService.encode(jwtToken)
   }
@@ -91,7 +92,7 @@ class RestRateIntegrationTest {
     totalPrice: String? = null,
     id: String? = null,
     fee: RateFee? = null,
-    expiresAt: String? = null
+    expiresAt: String? = null,
   ): MockResponse {
     val rate =
       hashMapOf<String, Any>(
@@ -144,7 +145,7 @@ class RestRateIntegrationTest {
           totalPrice = "1.02",
           id = "my-id",
           expiresAt = "2022-04-30T02:15:44.000Z",
-          fee = fee
+          fee = fee,
         ) // This is a dummy response, we're not testing its values
       )
 
@@ -175,11 +176,9 @@ class RestRateIntegrationTest {
         &sell_asset=iso4217%3AUSD
         &sell_amount=100
         &sell_delivery_method=WIRE
-        &country_code=USA""".replace(
-        "\n        ",
-        ""
-      ),
-      getRateRequest
+        &country_code=USA"""
+        .replace("\n        ", ""),
+      getRateRequest,
     )
 
     // getPrice parameters
@@ -203,11 +202,9 @@ class RestRateIntegrationTest {
         &sell_delivery_method=WIRE
         &buy_asset=stellar%3AUSDC%3AGA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN
         &buy_delivery_method=CASH
-        &country_code=USA""".replace(
-        "\n        ",
-        ""
-      ),
-      getRateRequest
+        &country_code=USA"""
+        .replace("\n        ", ""),
+      getRateRequest,
     )
 
     // postQuote parameters
@@ -231,11 +228,9 @@ class RestRateIntegrationTest {
         &sell_delivery_method=WIRE
         &buy_asset=stellar%3AUSDC%3AGA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN
         &buy_delivery_method=CASH
-        &country_code=USA""".replace(
-        "\n        ",
-        ""
-      ),
-      getRateRequest
+        &country_code=USA"""
+        .replace("\n        ", ""),
+      getRateRequest,
     )
 
     // all parameters
@@ -265,44 +260,42 @@ class RestRateIntegrationTest {
         &buy_delivery_method=WIRE
         &country_code=USA
         &expire_after=2022-04-30T02%3A15%3A44.000Z
-        &client_id=GDGWTSQKQQAT2OXRSFLADMN4F6WJQMPJ5MIOKIZ2AMBYUI67MJA4WRLA""".replace(
-        "\n        ",
-        ""
-      ),
-      getRateRequest
+        &client_id=GDGWTSQKQQAT2OXRSFLADMN4F6WJQMPJ5MIOKIZ2AMBYUI67MJA4WRLA"""
+        .replace("\n        ", ""),
+      getRateRequest,
     )
   }
 
   @Test
   fun test_getRate_errorHandling() {
     val validateRequest =
-        {
-      statusCode: Int,
-      responseBody: String?,
-      wantException: AnchorException,
-      type: GetRateRequest.Type ->
-      // mock response
-      var mockResponse =
-        MockResponse().addHeader("Content-Type", "application/json").setResponseCode(statusCode)
-      if (responseBody != null) mockResponse = mockResponse.setBody(responseBody)
-      server.enqueue(mockResponse)
-
-      // execute command
-      val dummyRequest = GetRateRequest.builder().type(type).build()
-      val ex = assertThrows<AnchorException> { rateIntegration.getRate(dummyRequest) }
-
-      // validate exception
-      assertEquals(wantException.javaClass, ex.javaClass)
-      assertEquals(wantException.message, ex.message)
-
-      // validateRequest
-      val request = server.takeRequest()
-      assertEquals("GET", request.method)
-      assertEquals("application/json", request.headers["Content-Type"])
-      assertEquals("Bearer $mockJwtToken", request.headers["Authorization"])
-      MatcherAssert.assertThat(request.path, CoreMatchers.endsWith("/rate?type=$type"))
-      assertEquals("", request.body.readUtf8())
-    }
+      {
+        statusCode: Int,
+        responseBody: String?,
+        wantException: AnchorException,
+        type: GetRateRequest.Type ->
+        // mock response
+        var mockResponse =
+          MockResponse().addHeader("Content-Type", "application/json").setResponseCode(statusCode)
+        if (responseBody != null) mockResponse = mockResponse.setBody(responseBody)
+        server.enqueue(mockResponse)
+
+        // execute command
+        val dummyRequest = GetRateRequest.builder().type(type).build()
+        val ex = assertThrows<AnchorException> { rateIntegration.getRate(dummyRequest) }
+
+        // validate exception
+        assertEquals(wantException.javaClass, ex.javaClass)
+        assertEquals(wantException.message, ex.message)
+
+        // validateRequest
+        val request = server.takeRequest()
+        assertEquals("GET", request.method)
+        assertEquals("application/json", request.headers["Content-Type"])
+        assertEquals("Bearer $mockJwtToken", request.headers["Authorization"])
+        MatcherAssert.assertThat(request.path, CoreMatchers.endsWith("/rate?type=$type"))
+        assertEquals("", request.body.readUtf8())
+      }
 
     // 400 without body
     validateRequest(400, null, BadRequestException("Bad Request"), INDICATIVE_PRICES)
@@ -312,7 +305,7 @@ class RestRateIntegrationTest {
       400,
       """{"error": "foo 400"}""",
       BadRequestException("foo 400"),
-      INDICATIVE_PRICES
+      INDICATIVE_PRICES,
     )
 
     // 404 without body
@@ -323,7 +316,7 @@ class RestRateIntegrationTest {
       404,
       """{"error": "foo 404"}""",
       NotFoundException("foo 404"),
-      INDICATIVE_PRICES
+      INDICATIVE_PRICES,
     )
 
     // 422 without body
@@ -334,7 +327,7 @@ class RestRateIntegrationTest {
       422,
       """{"error": "foo 422"}""",
       BadRequestException("foo 422"),
-      INDICATIVE_PRICES
+      INDICATIVE_PRICES,
     )
 
     // 500
@@ -342,7 +335,7 @@ class RestRateIntegrationTest {
       500,
       """{"error": "foo 500"}""",
       ServerErrorException("internal server error"),
-      INDICATIVE_PRICES
+      INDICATIVE_PRICES,
     )
 
     // 200 with invalid body
@@ -351,7 +344,7 @@ class RestRateIntegrationTest {
       200,
       """{"rate": {"price": "invalid json",}}""",
       serverErrorException,
-      INDICATIVE_PRICES
+      INDICATIVE_PRICES,
     )
 
     // 200 where getRateResponse is missing "price"
@@ -366,13 +359,13 @@ class RestRateIntegrationTest {
       200,
       """{"rate": {"price": "1", "total_price": "1.01"} }""",
       serverErrorException,
-      FIRM
+      FIRM,
     )
     validateRequest(
       200,
       """{"rate": {"price": "1", "total_price": "1.01"} }""",
       serverErrorException,
-      INDICATIVE_PRICE
+      INDICATIVE_PRICE,
     )
 
     // 200 for type=firm|indicative_price where getRateResponse is missing "total_price"
@@ -385,7 +378,8 @@ class RestRateIntegrationTest {
           "asset": "iso4217:USD"
         }
       }
-    }""".trimMargin()
+    }"""
+        .trimMargin()
     validateRequest(200, body, serverErrorException, FIRM)
     validateRequest(200, body, serverErrorException, INDICATIVE_PRICE)
 
@@ -400,7 +394,8 @@ class RestRateIntegrationTest {
           "asset": "iso4217:USD"
         }
       }
-    }""".trimMargin()
+    }"""
+        .trimMargin()
     validateRequest(200, body, serverErrorException, FIRM)
 
     // 200 for type=firm where getRateResponse is missing "id" but contains "expires_at"
@@ -415,7 +410,8 @@ class RestRateIntegrationTest {
           "asset": "iso4217:USD"
         }
       }
-    }""".trimMargin()
+    }"""
+        .trimMargin()
     validateRequest(200, body, serverErrorException, FIRM)
 
     // 200 for type=firm where getRateResponse is missing "expires_at"
@@ -430,7 +426,8 @@ class RestRateIntegrationTest {
           "asset": "iso4217:USD"
         }
       }
-    }""".trimMargin()
+    }"""
+        .trimMargin()
     validateRequest(200, body, serverErrorException, FIRM)
 
     // 200 for type=firm where getRateResponse's "expires_at" is invalid
@@ -446,7 +443,8 @@ class RestRateIntegrationTest {
           "asset": "iso4217:USD"
         }
       }
-    }""".trimMargin()
+    }"""
+        .trimMargin()
     validateRequest(200, body, serverErrorException, FIRM)
   }
 
@@ -455,29 +453,29 @@ class RestRateIntegrationTest {
     val fee = mockSellAssetFee("iso4217:USD")
 
     val validateRequest =
-        { type: GetRateRequest.Type, responseBody: String, wantResponse: GetRateResponse ->
-      // mock response
-      val mockResponse =
-        MockResponse()
-          .addHeader("Content-Type", "application/json")
-          .setResponseCode(200)
-          .setBody(responseBody)
-      server.enqueue(mockResponse)
-
-      // execute command
-      val dummyRequest = GetRateRequest.builder().type(type).build()
-      var gotResponse: GetRateResponse? = null
-      assertDoesNotThrow { gotResponse = rateIntegration.getRate(dummyRequest) }
-      assertEquals(wantResponse, gotResponse)
-
-      // validateRequest
-      val request = server.takeRequest()
-      assertEquals("GET", request.method)
-      assertEquals("application/json", request.headers["Content-Type"])
-      assertEquals("Bearer $mockJwtToken", request.headers["Authorization"])
-      MatcherAssert.assertThat(request.path, CoreMatchers.endsWith("/rate?type=$type"))
-      assertEquals("", request.body.readUtf8())
-    }
+      { type: GetRateRequest.Type, responseBody: String, wantResponse: GetRateResponse ->
+        // mock response
+        val mockResponse =
+          MockResponse()
+            .addHeader("Content-Type", "application/json")
+            .setResponseCode(200)
+            .setBody(responseBody)
+        server.enqueue(mockResponse)
+
+        // execute command
+        val dummyRequest = GetRateRequest.builder().type(type).build()
+        var gotResponse: GetRateResponse? = null
+        assertDoesNotThrow { gotResponse = rateIntegration.getRate(dummyRequest) }
+        assertEquals(wantResponse, gotResponse)
+
+        // validateRequest
+        val request = server.takeRequest()
+        assertEquals("GET", request.method)
+        assertEquals("application/json", request.headers["Content-Type"])
+        assertEquals("Bearer $mockJwtToken", request.headers["Authorization"])
+        MatcherAssert.assertThat(request.path, CoreMatchers.endsWith("/rate?type=$type"))
+        assertEquals("", request.body.readUtf8())
+      }
 
     // indicative_prices quote successful response
     var wantGetRateResponse = GetRateResponse.indicativePrices("1.02", "102", "100")
@@ -489,8 +487,9 @@ class RestRateIntegrationTest {
           "sell_amount": "102",
           "buy_amount": "100"
         }
-      }""".trimMargin(),
-      wantGetRateResponse
+      }"""
+        .trimMargin(),
+      wantGetRateResponse,
     )
 
     // indicative_price quote successful response
@@ -514,8 +513,9 @@ class RestRateIntegrationTest {
             ]
           }
         }
-      }""".trimMargin(),
-      wantGetRateResponse
+      }"""
+        .trimMargin(),
+      wantGetRateResponse,
     )
 
     // firm quote
@@ -554,8 +554,9 @@ class RestRateIntegrationTest {
             ]
           }
         }
-      }""".trimMargin(),
-      wantGetRateResponse
+      }"""
+        .trimMargin(),
+      wantGetRateResponse,
     )
     verify(atLeast = 1) { Instant.now() }
   }
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep10Tests.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep10Tests.kt
index c8f09d6d7f..db5be5e2e7 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep10Tests.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep10Tests.kt
@@ -20,7 +20,7 @@ fun sep10TestAll(toml: Sep1Helper.TomlContent): String {
       toml.getString("WEB_AUTH_ENDPOINT"),
       toml.getString("SIGNING_KEY"),
       CLIENT_WALLET_ACCOUNT,
-      CLIENT_WALLET_SECRET
+      CLIENT_WALLET_SECRET,
     )
 
   sep10ClientMultiSig =
@@ -31,8 +31,8 @@ fun sep10TestAll(toml: Sep1Helper.TomlContent): String {
       arrayOf(
         CLIENT_WALLET_SECRET,
         CLIENT_WALLET_EXTRA_SIGNER_1_SECRET,
-        CLIENT_WALLET_EXTRA_SIGNER_2_SECRET
-      )
+        CLIENT_WALLET_EXTRA_SIGNER_2_SECRET,
+      ),
     )
 
   val jwt = testOk()
@@ -55,6 +55,6 @@ fun testUnsignedChallenge() {
 
   assertFailsWith(
     exceptionClass = SepNotAuthorizedException::class,
-    block = { sep10Client.validate(ValidationRequest.of(challenge.transaction)) }
+    block = { sep10Client.validate(ValidationRequest.of(challenge.transaction)) },
   )
 }
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep24Tests.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep24Tests.kt
index 4d8949dc4b..e511a3c764 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep24Tests.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep24Tests.kt
@@ -44,6 +44,6 @@ fun testSep24PostInteractive() {
   assertFalse(savedTxn.transaction.refunded)
   assertEquals(
     "GAIUIZPHLIHQEMNJGSZKCEUWHAZVGUZDBDMO2JXNAJZZZVNSVHQCEWJ4",
-    savedTxn.transaction.from
+    savedTxn.transaction.from,
   )
 }
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep31Tests.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep31Tests.kt
index 77cdd997f9..33403ce785 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep31Tests.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep31Tests.kt
@@ -73,7 +73,7 @@ fun testSep31PostAndGetTransaction() {
   val postTxResponse = sep31Client.postTransaction(txnRequest)
   assertEquals(
     "GBN4NNCDGJO4XW4KQU3CBIESUJWFVBUZPOKUZHT7W7WRB7CWOA7BXVQF",
-    postTxResponse.stellarAccountId
+    postTxResponse.stellarAccountId,
   )
 
   // GET Sep31 transaction
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep38Tests.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep38Tests.kt
index 108299c349..e7e37d41d7 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep38Tests.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/Sep38Tests.kt
@@ -37,7 +37,7 @@ fun sep38TestHappyPath() {
       "iso4217:USD",
       "100",
       "stellar:USDC:GDQOE23CFSUMSVQK4Y5JHPPYK73VYCNHZHA7ENKCV37P6SUEO6XQBKPP",
-      SEP31
+      SEP31,
     )
   printResponse(price)
 
@@ -48,7 +48,7 @@ fun sep38TestHappyPath() {
       "iso4217:USD",
       "100",
       "stellar:USDC:GDQOE23CFSUMSVQK4Y5JHPPYK73VYCNHZHA7ENKCV37P6SUEO6XQBKPP",
-      SEP31
+      SEP31,
     )
   printResponse(postQuote)
 
@@ -61,7 +61,7 @@ fun sep38TestHappyPath() {
       "100",
       "stellar:USDC:GDQOE23CFSUMSVQK4Y5JHPPYK73VYCNHZHA7ENKCV37P6SUEO6XQBKPP",
       SEP31,
-      expireAfter = expireAfter
+      expireAfter = expireAfter,
     )
   printResponse(postQuote)
 
@@ -82,7 +82,7 @@ fun testSellOverAssetLimit() {
         "iso4217:USD",
         "10000000000",
         "stellar:USDC:GDQOE23CFSUMSVQK4Y5JHPPYK73VYCNHZHA7ENKCV37P6SUEO6XQBKPP",
-        SEP31
+        SEP31,
       )
   }
 }
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/SepTestSuite.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/SepTestSuite.kt
index 286656ce0b..0bd9426c57 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/SepTestSuite.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/SepTestSuite.kt
@@ -22,7 +22,7 @@ fun main(args: Array<String>) {
     "r",
     "start-anchor-reference-server",
     false,
-    "Start anchor reference test server."
+    "Start anchor reference test server.",
   )
   options.addOption("t", "sep1-toml", true, "The path where the SEP1 TOML file can be read.")
   val sepTestOptions =
@@ -30,7 +30,7 @@ fun main(args: Array<String>) {
       "p",
       "tests",
       false,
-      "Tests to be performed. One or multiple of [sep1,sep10,sep12,sep24,sep31,ref,platform]"
+      "Tests to be performed. One or multiple of [sep1,sep10,sep12,sep24,sep31,ref,platform]",
     )
   sepTestOptions.isRequired = true
   sepTestOptions.args = Option.UNLIMITED_VALUES
@@ -103,7 +103,7 @@ fun getOrCreateJwt(tomlContent: TomlContent): String? {
         issuedAt,
         issuedAt + 60,
         "",
-        null
+        null,
       )
     jwt = jwtService.encode(token)
   }
diff --git a/platform/src/main/java/org/stellar/anchor/platform/controller/CirclePaymentObserverController.java b/platform/src/main/java/org/stellar/anchor/platform/controller/CirclePaymentObserverController.java
index d6102d5677..eca2e1da68 100644
--- a/platform/src/main/java/org/stellar/anchor/platform/controller/CirclePaymentObserverController.java
+++ b/platform/src/main/java/org/stellar/anchor/platform/controller/CirclePaymentObserverController.java
@@ -53,7 +53,9 @@ public void handleCircleNotificationJson(
       method = {RequestMethod.POST, RequestMethod.GET, RequestMethod.HEAD},
       consumes = {MediaType.TEXT_PLAIN_VALUE})
   public void handleCircleNotificationTextPlain(@RequestBody(required = false) String jsonBodyStr)
-      throws UnprocessableEntityException, BadRequestException, ServerErrorException,
+      throws UnprocessableEntityException,
+          BadRequestException,
+          ServerErrorException,
           EventPublishException {
     CircleNotification circleNotification = gson.fromJson(jsonBodyStr, CircleNotification.class);
     circlePaymentObserverService.handleCircleNotification(circleNotification);
diff --git a/platform/src/main/java/org/stellar/anchor/platform/controller/Sep10Controller.java b/platform/src/main/java/org/stellar/anchor/platform/controller/Sep10Controller.java
index 105452734e..b1a3e6bf1a 100644
--- a/platform/src/main/java/org/stellar/anchor/platform/controller/Sep10Controller.java
+++ b/platform/src/main/java/org/stellar/anchor/platform/controller/Sep10Controller.java
@@ -66,7 +66,9 @@ public ChallengeResponse createChallenge(
       consumes = {MediaType.APPLICATION_FORM_URLENCODED_VALUE},
       method = {RequestMethod.POST})
   public ValidationResponse validateChallenge(@RequestParam String transaction)
-      throws InvalidSep10ChallengeException, IOException, URISyntaxException,
+      throws InvalidSep10ChallengeException,
+          IOException,
+          URISyntaxException,
           SepValidationException {
     debugF("POST /auth transaction={}", transaction);
     return validateChallenge(ValidationRequest.of(transaction));
@@ -79,7 +81,9 @@ public ValidationResponse validateChallenge(@RequestParam String transaction)
       method = {RequestMethod.POST})
   public ValidationResponse validateChallenge(
       @RequestBody(required = false) ValidationRequest validationRequest)
-      throws InvalidSep10ChallengeException, IOException, URISyntaxException,
+      throws InvalidSep10ChallengeException,
+          IOException,
+          URISyntaxException,
           SepValidationException {
     debug("POST /auth details:", validationRequest);
     return sep10Service.validateChallenge(validationRequest);
diff --git a/platform/src/main/java/org/stellar/anchor/platform/controller/Sep38Controller.java b/platform/src/main/java/org/stellar/anchor/platform/controller/Sep38Controller.java
index b06856bbf8..956afa6240 100644
--- a/platform/src/main/java/org/stellar/anchor/platform/controller/Sep38Controller.java
+++ b/platform/src/main/java/org/stellar/anchor/platform/controller/Sep38Controller.java
@@ -33,6 +33,7 @@ public class Sep38Controller {
   public Sep38Controller(Sep38Service sep38Service) {
     this.sep38Service = sep38Service;
   }
+
   // TODO: add integration tests
 
   @CrossOrigin(origins = "*")
diff --git a/platform/src/main/java/org/stellar/anchor/platform/payment/common/Balance.java b/platform/src/main/java/org/stellar/anchor/platform/payment/common/Balance.java
index 7a555625bd..70a1c17906 100644
--- a/platform/src/main/java/org/stellar/anchor/platform/payment/common/Balance.java
+++ b/platform/src/main/java/org/stellar/anchor/platform/payment/common/Balance.java
@@ -5,6 +5,7 @@
 @Data
 public class Balance {
   String amount;
+
   /**
    * The name of the currency that will be ultimately credited into the beneficiary user account. It
    * should obey the {scheme}:{identifier} format described in <a
diff --git a/platform/src/main/java/org/stellar/anchor/platform/payment/common/Payment.java b/platform/src/main/java/org/stellar/anchor/platform/payment/common/Payment.java
index de7c77cc04..838925e8ed 100644
--- a/platform/src/main/java/org/stellar/anchor/platform/payment/common/Payment.java
+++ b/platform/src/main/java/org/stellar/anchor/platform/payment/common/Payment.java
@@ -10,6 +10,7 @@ public class Payment {
   String idTag;
   Account sourceAccount;
   Account destinationAccount;
+
   /** The balance currency name contains the scheme of the destination network of the payment. */
   Balance balance;
 
diff --git a/platform/src/main/java/org/stellar/anchor/platform/payment/observer/circle/CirclePaymentObserverService.java b/platform/src/main/java/org/stellar/anchor/platform/payment/observer/circle/CirclePaymentObserverService.java
index 0dce3f7d48..4e8072adb2 100644
--- a/platform/src/main/java/org/stellar/anchor/platform/payment/observer/circle/CirclePaymentObserverService.java
+++ b/platform/src/main/java/org/stellar/anchor/platform/payment/observer/circle/CirclePaymentObserverService.java
@@ -60,7 +60,9 @@ public CirclePaymentObserverService(
   }
 
   public void handleCircleNotification(CircleNotification circleNotification)
-      throws UnprocessableEntityException, BadRequestException, ServerErrorException,
+      throws UnprocessableEntityException,
+          BadRequestException,
+          ServerErrorException,
           EventPublishException {
     String type = Objects.toString(circleNotification.getType(), "");
 
@@ -134,7 +136,9 @@ public void handleSubscriptionConfirmationNotification(CircleNotification circle
    * @throws ServerErrorException when there's an error trying to fetch the Stellar network.
    */
   public void handleTransferNotification(CircleNotification circleNotification)
-      throws BadRequestException, UnprocessableEntityException, ServerErrorException,
+      throws BadRequestException,
+          UnprocessableEntityException,
+          ServerErrorException,
           EventPublishException {
     if (circleNotification.getMessage() == null) {
       throw new BadRequestException("Notification body of type Notification is missing a message.");
diff --git a/platform/src/test/kotlin/org/stellar/anchor/paymentservice/circle/CirclePaymentServiceTest.kt b/platform/src/test/kotlin/org/stellar/anchor/paymentservice/circle/CirclePaymentServiceTest.kt
index 90aa053b63..aa87931f54 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/paymentservice/circle/CirclePaymentServiceTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/paymentservice/circle/CirclePaymentServiceTest.kt
@@ -88,7 +88,7 @@ class CirclePaymentServiceTest {
     Account(
       PaymentNetwork.CIRCLE,
       "1000066041",
-      Account.Capabilities(PaymentNetwork.CIRCLE, PaymentNetwork.STELLAR, PaymentNetwork.BANK_WIRE)
+      Account.Capabilities(PaymentNetwork.CIRCLE, PaymentNetwork.STELLAR, PaymentNetwork.BANK_WIRE),
     )
 
   private fun getDistAccountIdMockResponse(masterWalletId: String = "1000066041"): MockResponse {
@@ -382,7 +382,7 @@ class CirclePaymentServiceTest {
     assertEquals(PaymentNetwork.CIRCLE, account?.paymentNetwork)
     assertEquals(
       Account.Capabilities(PaymentNetwork.CIRCLE, PaymentNetwork.STELLAR, PaymentNetwork.BANK_WIRE),
-      account?.capabilities
+      account?.capabilities,
     )
     assertNull(account?.idTag)
     assertEquals(1, account?.balances?.size)
@@ -469,64 +469,61 @@ class CirclePaymentServiceTest {
             Account(PaymentNetwork.STELLAR, "123", Account.Capabilities()),
             Account(PaymentNetwork.CIRCLE, "123", Account.Capabilities()),
             "",
-            BigDecimal(0)
+            BigDecimal(0),
           )
           .block()
       }
     assertEquals(
       HttpException(400, "the only supported network for the source account is circle"),
-      ex
+      ex,
     )
 
     // missing beneficiary email when destination is a wire bank account
-    ex =
-      assertThrows {
-        service
-          .sendPayment(
-            Account(PaymentNetwork.CIRCLE, "123", Account.Capabilities()),
-            Account(PaymentNetwork.BANK_WIRE, "123", "invalidEmail", Account.Capabilities()),
-            "",
-            BigDecimal(0)
-          )
-          .block()
-      }
+    ex = assertThrows {
+      service
+        .sendPayment(
+          Account(PaymentNetwork.CIRCLE, "123", Account.Capabilities()),
+          Account(PaymentNetwork.BANK_WIRE, "123", "invalidEmail", Account.Capabilities()),
+          "",
+          BigDecimal(0),
+        )
+        .block()
+    }
     assertEquals(
       HttpException(
         400,
-        "for bank transfers, please provide a valid beneficiary email address in the destination idTag"
+        "for bank transfers, please provide a valid beneficiary email address in the destination idTag",
       ),
-      ex
+      ex,
     )
 
     // invalid currency name schema
-    ex =
-      assertThrows {
-        service
-          .sendPayment(
-            Account(PaymentNetwork.CIRCLE, "123", Account.Capabilities()),
-            Account(PaymentNetwork.CIRCLE, "456", Account.Capabilities()),
-            "invalidSchema:USD",
-            BigDecimal(0)
-          )
-          .block()
-      }
+    ex = assertThrows {
+      service
+        .sendPayment(
+          Account(PaymentNetwork.CIRCLE, "123", Account.Capabilities()),
+          Account(PaymentNetwork.CIRCLE, "456", Account.Capabilities()),
+          "invalidSchema:USD",
+          BigDecimal(0),
+        )
+        .block()
+    }
     assertEquals(
       HttpException(400, "the currency to be sent must contain the destination network schema"),
-      ex
+      ex,
     )
 
     // invalid currency name
-    ex =
-      assertThrows {
-        service
-          .sendPayment(
-            Account(PaymentNetwork.CIRCLE, "123", Account.Capabilities()),
-            Account(PaymentNetwork.BANK_WIRE, "456", "email@test.com", Account.Capabilities()),
-            "iso4217:ABC",
-            BigDecimal(0)
-          )
-          .block()
-      }
+    ex = assertThrows {
+      service
+        .sendPayment(
+          Account(PaymentNetwork.CIRCLE, "123", Account.Capabilities()),
+          Account(PaymentNetwork.BANK_WIRE, "456", "email@test.com", Account.Capabilities()),
+          "iso4217:ABC",
+          BigDecimal(0),
+        )
+        .block()
+    }
     val wantException =
       HttpException(
         400,
@@ -534,8 +531,8 @@ class CirclePaymentServiceTest {
           "the only supported currencies are %s, %s and %s.",
           "circle:USD",
           "iso4217:USD",
-          CircleAsset.stellarUSDC(Network.TESTNET)
-        )
+          CircleAsset.stellarUSDC(Network.TESTNET),
+        ),
       )
     assertEquals(wantException, ex)
   }
@@ -544,12 +541,14 @@ class CirclePaymentServiceTest {
   fun test_private_validateSendPaymentInput_supportedCurrencies() {
     // Let's use reflection to access the private method
     val validateSendPaymentInputMethod: Method =
-      CirclePaymentService::class.java.getDeclaredMethod(
-        "validateSendPaymentInput",
-        Account::class.java,
-        Account::class.java,
-        String::class.java
-      )
+      CirclePaymentService::class
+        .java
+        .getDeclaredMethod(
+          "validateSendPaymentInput",
+          Account::class.java,
+          Account::class.java,
+          String::class.java,
+        )
     assert(validateSendPaymentInputMethod.trySetAccessible())
 
     // "circle:USD" succeeds
@@ -559,7 +558,7 @@ class CirclePaymentServiceTest {
         service,
         Account(PaymentNetwork.CIRCLE, "123", Account.Capabilities()),
         Account(PaymentNetwork.CIRCLE, "456", Account.Capabilities()),
-        "circle:USD"
+        "circle:USD",
       )
     }
 
@@ -570,7 +569,7 @@ class CirclePaymentServiceTest {
         service,
         Account(PaymentNetwork.CIRCLE, "123", Account.Capabilities()),
         Account(PaymentNetwork.STELLAR, "G...", Account.Capabilities()),
-        "stellar:USDC:GBBD47IF6LWK7P7MDEVSCWR7DPUWV3NY3DTQEVFL4NAT4AQH3ZLLFLA5"
+        "stellar:USDC:GBBD47IF6LWK7P7MDEVSCWR7DPUWV3NY3DTQEVFL4NAT4AQH3ZLLFLA5",
       )
     }
 
@@ -581,7 +580,7 @@ class CirclePaymentServiceTest {
         service,
         Account(PaymentNetwork.CIRCLE, "123", Account.Capabilities()),
         Account(PaymentNetwork.BANK_WIRE, "456", "email@test.com", Account.Capabilities()),
-        "iso4217:USD"
+        "iso4217:USD",
       )
     }
   }
@@ -616,7 +615,8 @@ class CirclePaymentServiceTest {
                                 "status":"pending",
                                 "createDate":"2022-01-01T01:01:01.544Z"
                             }
-                        }""".trimIndent()
+                        }"""
+                    .trimIndent()
                 )
           }
           return MockResponse().setResponseCode(404)
@@ -628,7 +628,7 @@ class CirclePaymentServiceTest {
       Account(
         PaymentNetwork.CIRCLE,
         "1000067536",
-        Account.Capabilities(PaymentNetwork.CIRCLE, PaymentNetwork.STELLAR)
+        Account.Capabilities(PaymentNetwork.CIRCLE, PaymentNetwork.STELLAR),
       )
     var payment: Payment? = null
     assertDoesNotThrow {
@@ -638,7 +638,7 @@ class CirclePaymentServiceTest {
             merchantAccount,
             destination,
             CircleAsset.circleUSD(),
-            BigDecimal.valueOf(0.91)
+            BigDecimal.valueOf(0.91),
           )
           .block()
     }
@@ -647,7 +647,7 @@ class CirclePaymentServiceTest {
     assertEquals(merchantAccount, payment?.sourceAccount)
     assertEquals(
       Account(PaymentNetwork.CIRCLE, "1000067536", CircleWallet.defaultCapabilities()),
-      payment?.destinationAccount
+      payment?.destinationAccount,
     )
     assertEquals(Balance("0.91", "circle:USD"), payment?.balance)
     assertEquals(Payment.Status.PENDING, payment?.status)
@@ -661,16 +661,8 @@ class CirclePaymentServiceTest {
       hashMapOf<String, Any>(
         "id" to "c58e2613-a808-4075-956c-e576787afb3b",
         "source" to hashMapOf<String, Any>("id" to "1000066041", "type" to "wallet"),
-        "destination" to
-          hashMapOf<String, Any>(
-            "id" to "1000067536",
-            "type" to "wallet",
-          ),
-        "amount" to
-          hashMapOf<String, Any>(
-            "amount" to "0.91",
-            "currency" to "USD",
-          ),
+        "destination" to hashMapOf<String, Any>("id" to "1000067536", "type" to "wallet"),
+        "amount" to hashMapOf<String, Any>("amount" to "0.91", "currency" to "USD"),
         "status" to "pending",
         "createDate" to "2022-01-01T01:01:01.544Z",
       )
@@ -704,7 +696,8 @@ class CirclePaymentServiceTest {
                 "amount": "0.91",
                 "currency": "USD"
             }
-        }""".trimIndent()
+        }"""
+        .trimIndent()
     JSONAssert.assertEquals(wantBody, gotBody, false)
   }
 
@@ -740,7 +733,8 @@ class CirclePaymentServiceTest {
                                 "status":"pending",
                                 "createDate":"2022-01-01T01:01:01.544Z"
                             }
-                        }""".trimIndent()
+                        }"""
+                    .trimIndent()
                 )
           }
           return MockResponse().setResponseCode(404)
@@ -754,7 +748,7 @@ class CirclePaymentServiceTest {
         PaymentNetwork.STELLAR,
         "GBG7VGZFH4TU2GS7WL5LMPYFNP64ZFR23XEGAV7GPEEXKWOR2DKCYPCK",
         "test tag",
-        Account.Capabilities()
+        Account.Capabilities(),
       )
     var payment: Payment? = null
     assertDoesNotThrow {
@@ -764,7 +758,7 @@ class CirclePaymentServiceTest {
             source,
             destination,
             "stellar:USDC:GBBD47IF6LWK7P7MDEVSCWR7DPUWV3NY3DTQEVFL4NAT4AQH3ZLLFLA5",
-            BigDecimal.valueOf(0.91)
+            BigDecimal.valueOf(0.91),
           )
           .block()
     }
@@ -776,13 +770,13 @@ class CirclePaymentServiceTest {
         PaymentNetwork.STELLAR,
         "GBG7VGZFH4TU2GS7WL5LMPYFNP64ZFR23XEGAV7GPEEXKWOR2DKCYPCK",
         "test tag",
-        Account.Capabilities(PaymentNetwork.STELLAR)
+        Account.Capabilities(PaymentNetwork.STELLAR),
       ),
-      payment?.destinationAccount
+      payment?.destinationAccount,
     )
     assertEquals(
       Balance("0.91", "stellar:USDC:GBBD47IF6LWK7P7MDEVSCWR7DPUWV3NY3DTQEVFL4NAT4AQH3ZLLFLA5"),
-      payment?.balance
+      payment?.balance,
     )
     assertEquals(Payment.Status.PENDING, payment?.status)
     assertNull(payment?.errorCode)
@@ -794,11 +788,7 @@ class CirclePaymentServiceTest {
     val wantOriginalResponse =
       hashMapOf<String, Any>(
         "id" to "c58e2613-a808-4075-956c-e576787afb3b",
-        "source" to
-          hashMapOf<String, Any>(
-            "id" to "1000066041",
-            "type" to "wallet",
-          ),
+        "source" to hashMapOf<String, Any>("id" to "1000066041", "type" to "wallet"),
         "destination" to
           hashMapOf<String, Any>(
             "address" to "GBG7VGZFH4TU2GS7WL5LMPYFNP64ZFR23XEGAV7GPEEXKWOR2DKCYPCK",
@@ -806,11 +796,7 @@ class CirclePaymentServiceTest {
             "type" to "blockchain",
             "chain" to "XLM",
           ),
-        "amount" to
-          hashMapOf<String, Any>(
-            "amount" to "0.91",
-            "currency" to "USD",
-          ),
+        "amount" to hashMapOf<String, Any>("amount" to "0.91", "currency" to "USD"),
         "status" to "pending",
         "createDate" to "2022-01-01T01:01:01.544Z",
       )
@@ -846,7 +832,8 @@ class CirclePaymentServiceTest {
                 "amount": "0.91",
                 "currency": "USD"
             }
-        }""".trimIndent()
+        }"""
+        .trimIndent()
     JSONAssert.assertEquals(wantBody, gotBody, false)
   }
 
@@ -883,7 +870,8 @@ class CirclePaymentServiceTest {
                                         "createDate":"2021-11-25T15:43:03.477Z",
                                         "updateDate":"2021-11-25T16:10:01.618Z"
                                     }
-                            }""".trimIndent()
+                            }"""
+                    .trimIndent()
                 )
           }
           return MockResponse().setResponseCode(404)
@@ -897,7 +885,7 @@ class CirclePaymentServiceTest {
         PaymentNetwork.BANK_WIRE,
         "6c87da10-feb8-484f-822c-2083ed762d25",
         "test@mail.com",
-        Account.Capabilities()
+        Account.Capabilities(),
       )
     var payment: Payment? = null
     assertDoesNotThrow {
@@ -913,9 +901,9 @@ class CirclePaymentServiceTest {
       Account(
         PaymentNetwork.BANK_WIRE,
         "6c87da10-feb8-484f-822c-2083ed762d25",
-        Account.Capabilities(PaymentNetwork.BANK_WIRE)
+        Account.Capabilities(PaymentNetwork.BANK_WIRE),
       ),
-      payment?.destinationAccount
+      payment?.destinationAccount,
     )
     assertEquals(Balance("0.91", "iso4217:USD"), payment?.balance)
     assertEquals(Payment.Status.PENDING, payment?.status)
@@ -937,7 +925,7 @@ class CirclePaymentServiceTest {
                 put("amount", "0.91")
                 put("currency", "USD")
               }
-            }
+            },
           )
           put(
             "fees",
@@ -946,7 +934,7 @@ class CirclePaymentServiceTest {
                 put("amount", "0.09")
                 put("currency", "USD")
               }
-            }
+            },
           )
           put("status", "pending")
           put("sourceWalletId", "1000066041")
@@ -958,7 +946,7 @@ class CirclePaymentServiceTest {
                 put("id", "6c87da10-feb8-484f-822c-2083ed762d25")
                 put("name", "JPMORGAN CHASE BANK, NA ****6789")
               }
-            }
+            },
           )
           put("createDate", "2021-11-25T15:43:03.477Z")
           put("updateDate", "2021-11-25T16:10:01.618Z")
@@ -990,7 +978,8 @@ class CirclePaymentServiceTest {
             "metadata": {
                 "beneficiaryEmail": "test@mail.com"
             }
-        }""".trimIndent()
+        }"""
+        .trimIndent()
     JSONAssert.assertEquals(wantBody, gotBody, false)
   }
 
@@ -1028,7 +1017,8 @@ class CirclePaymentServiceTest {
                       $mockStellarToWalletTransferJson,
                       $mockWalletToStellarTransferJson
                     ]
-                  }""".trimIndent()
+                  }"""
+                    .trimIndent()
                 )
             "/v1/configuration" -> return getDistAccountIdMockResponse()
             "/transactions/fb8947c67856d8eb444211c1927d92bcf14abcfb34cdd27fc9e604b15d208fd1/payments" ->
@@ -1073,7 +1063,7 @@ class CirclePaymentServiceTest {
       Account(
         PaymentNetwork.STELLAR,
         "GAC2OWWDD75GCP4II35UCLYA7JB6LDDZUBZQLYANAVIHIRJAAQBSCL2S",
-        Account.Capabilities(PaymentNetwork.STELLAR)
+        Account.Capabilities(PaymentNetwork.STELLAR),
       )
     p2.destinationAccount = merchantAccount
     p2.balance = Balance("1.50", "circle:USD")
@@ -1091,7 +1081,7 @@ class CirclePaymentServiceTest {
       Account(
         PaymentNetwork.STELLAR,
         "GAC2OWWDD75GCP4II35UCLYA7JB6LDDZUBZQLYANAVIHIRJAAQBSCL2S",
-        Account.Capabilities(PaymentNetwork.STELLAR)
+        Account.Capabilities(PaymentNetwork.STELLAR),
       )
     p3.balance =
       Balance("1.00", "stellar:USDC:GBBD47IF6LWK7P7MDEVSCWR7DPUWV3NY3DTQEVFL4NAT4AQH3ZLLFLA5")
@@ -1121,7 +1111,8 @@ class CirclePaymentServiceTest {
                       $mockWalletToWalletTransferJson,
                       $mockWalletToStellarTransferJson
                     ]
-                  }""".trimIndent()
+                  }"""
+                    .trimIndent()
                 )
             "/v1/configuration" -> return getDistAccountIdMockResponse()
           }
@@ -1164,7 +1155,7 @@ class CirclePaymentServiceTest {
       Account(
         PaymentNetwork.STELLAR,
         "GAC2OWWDD75GCP4II35UCLYA7JB6LDDZUBZQLYANAVIHIRJAAQBSCL2S",
-        Account.Capabilities(PaymentNetwork.STELLAR)
+        Account.Capabilities(PaymentNetwork.STELLAR),
       )
     p2.balance =
       Balance("1.00", "stellar:USDC:GBBD47IF6LWK7P7MDEVSCWR7DPUWV3NY3DTQEVFL4NAT4AQH3ZLLFLA5")
@@ -1193,7 +1184,8 @@ class CirclePaymentServiceTest {
                     "data": [
                       $mockWalletToWirePayoutJson
                     ]
-                  }""".trimIndent()
+                  }"""
+                    .trimIndent()
                 )
             "/v1/configuration" -> return getDistAccountIdMockResponse()
           }
@@ -1218,7 +1210,7 @@ class CirclePaymentServiceTest {
       Account(
         PaymentNetwork.BANK_WIRE,
         "6c87da10-feb8-484f-822c-2083ed762d25",
-        Account.Capabilities(PaymentNetwork.BANK_WIRE)
+        Account.Capabilities(PaymentNetwork.BANK_WIRE),
       )
     p.balance = Balance("3.00", "iso4217:USD")
     p.status = Payment.Status.SUCCESSFUL
@@ -1247,7 +1239,8 @@ class CirclePaymentServiceTest {
                     "data": [
                       $mockWalletToWirePayoutJson
                     ]
-                  }""".trimIndent()
+                  }"""
+                    .trimIndent()
                 )
             "/v1/configuration" -> return getDistAccountIdMockResponse()
           }
@@ -1273,7 +1266,7 @@ class CirclePaymentServiceTest {
       Account(
         PaymentNetwork.BANK_WIRE,
         "6c87da10-feb8-484f-822c-2083ed762d25",
-        Account.Capabilities(PaymentNetwork.BANK_WIRE)
+        Account.Capabilities(PaymentNetwork.BANK_WIRE),
       )
     p.balance = Balance("3.00", "iso4217:USD")
     p.status = Payment.Status.SUCCESSFUL
@@ -1302,7 +1295,8 @@ class CirclePaymentServiceTest {
                     "data": [
                       $mockWireToWalletPaymentJson
                     ]
-                  }""".trimIndent()
+                  }"""
+                    .trimIndent()
                 )
             "/v1/configuration" -> return getDistAccountIdMockResponse()
           }
@@ -1327,7 +1321,7 @@ class CirclePaymentServiceTest {
       Account(
         PaymentNetwork.BANK_WIRE,
         "a4e76642-81c5-47ca-9229-ebd64efd74a7",
-        Account.Capabilities(PaymentNetwork.BANK_WIRE)
+        Account.Capabilities(PaymentNetwork.BANK_WIRE),
       )
     p.destinationAccount = merchantAccount
     p.balance = Balance("1000.00", "circle:USD")
@@ -1357,7 +1351,8 @@ class CirclePaymentServiceTest {
                     "data": [
                       $mockWireToWalletPaymentJson
                     ]
-                  }""".trimIndent()
+                  }"""
+                    .trimIndent()
                 )
             "/v1/configuration" -> return getDistAccountIdMockResponse()
           }
@@ -1383,7 +1378,7 @@ class CirclePaymentServiceTest {
       Account(
         PaymentNetwork.BANK_WIRE,
         "a4e76642-81c5-47ca-9229-ebd64efd74a7",
-        Account.Capabilities(PaymentNetwork.BANK_WIRE)
+        Account.Capabilities(PaymentNetwork.BANK_WIRE),
       )
     p.destinationAccount = merchantAccount
     p.balance = Balance("1000.00", "circle:USD")
@@ -1419,7 +1414,7 @@ class CirclePaymentServiceTest {
   fun test_getTransfersOrPayoutsOrPayments_paginationRequestUri(
     uri: String,
     beforeCursor: String?,
-    afterCursor: String?
+    afterCursor: String?,
   ) {
     val dispatcher =
       object : Dispatcher() {
@@ -1428,9 +1423,12 @@ class CirclePaymentServiceTest {
           if (request.path!!.startsWith("/v1/$uri")) {
             return MockResponse()
               .addHeader("Content-Type", "application/json")
-              .setBody("""{
+              .setBody(
+                """{
                 "data": []
-              }""".trimIndent())
+              }"""
+                  .trimIndent()
+              )
           }
 
           if (request.path.equals("/v1/configuration")) {
@@ -1448,8 +1446,8 @@ class CirclePaymentServiceTest {
         assertDoesNotThrow {
           paymentHistory =
             (service as CirclePaymentService)
-                .getTransfers("1000066041", beforeCursor, afterCursor, 1)
-                .block()!!
+              .getTransfers("1000066041", beforeCursor, afterCursor, 1)
+              .block()!!
               .toPaymentHistory(1, merchantAccount, "1000066041")
         }
       }
@@ -1457,8 +1455,8 @@ class CirclePaymentServiceTest {
         assertDoesNotThrow {
           paymentHistory =
             (service as CirclePaymentService)
-                .getPayouts("1000066041", beforeCursor, afterCursor, 1)
-                .block()!!
+              .getPayouts("1000066041", beforeCursor, afterCursor, 1)
+              .block()!!
               .toPaymentHistory(1, merchantAccount)
         }
       }
@@ -1466,8 +1464,8 @@ class CirclePaymentServiceTest {
         assertDoesNotThrow {
           paymentHistory =
             (service as CirclePaymentService)
-                .getIncomingPayments("1000066041", beforeCursor, afterCursor, 1)
-                .block()!!
+              .getIncomingPayments("1000066041", beforeCursor, afterCursor, 1)
+              .block()!!
               .toPaymentHistory(1, merchantAccount)
         }
       }
@@ -1502,7 +1500,8 @@ class CirclePaymentServiceTest {
                         $mockStellarToWalletTransferJson,
                         $mockWalletToStellarTransferJson
                       ]
-                    }""".trimIndent()
+                    }"""
+                    .trimIndent()
                 )
             "/v1/payouts?pageSize=50&source=1000066041" ->
               return MockResponse()
@@ -1512,7 +1511,8 @@ class CirclePaymentServiceTest {
                       "data": [
                         $mockWalletToWirePayoutJson
                       ]
-                    }""".trimIndent()
+                    }"""
+                    .trimIndent()
                 )
             "/v1/payments?pageSize=50" ->
               return MockResponse()
@@ -1522,7 +1522,8 @@ class CirclePaymentServiceTest {
                       "data": [
                         $mockWireToWalletPaymentJson
                       ]
-                    }""".trimIndent()
+                    }"""
+                    .trimIndent()
                 )
             "/transactions/fb8947c67856d8eb444211c1927d92bcf14abcfb34cdd27fc9e604b15d208fd1/payments" ->
               return MockResponse()
@@ -1551,7 +1552,7 @@ class CirclePaymentServiceTest {
       Account(
         PaymentNetwork.BANK_WIRE,
         "a4e76642-81c5-47ca-9229-ebd64efd74a7",
-        Account.Capabilities(PaymentNetwork.BANK_WIRE)
+        Account.Capabilities(PaymentNetwork.BANK_WIRE),
       )
     p0.destinationAccount = merchantAccount
     p0.balance = Balance("1000.00", "circle:USD")
@@ -1579,7 +1580,7 @@ class CirclePaymentServiceTest {
       Account(
         PaymentNetwork.STELLAR,
         "GAC2OWWDD75GCP4II35UCLYA7JB6LDDZUBZQLYANAVIHIRJAAQBSCL2S",
-        Account.Capabilities(PaymentNetwork.STELLAR)
+        Account.Capabilities(PaymentNetwork.STELLAR),
       )
     p2.destinationAccount = merchantAccount
     p2.balance = Balance("1.50", "circle:USD")
@@ -1597,7 +1598,7 @@ class CirclePaymentServiceTest {
       Account(
         PaymentNetwork.BANK_WIRE,
         "6c87da10-feb8-484f-822c-2083ed762d25",
-        Account.Capabilities(PaymentNetwork.BANK_WIRE)
+        Account.Capabilities(PaymentNetwork.BANK_WIRE),
       )
     p3.balance = Balance("3.00", "iso4217:USD")
     p3.status = Payment.Status.SUCCESSFUL
@@ -1613,7 +1614,7 @@ class CirclePaymentServiceTest {
       Account(
         PaymentNetwork.STELLAR,
         "GAC2OWWDD75GCP4II35UCLYA7JB6LDDZUBZQLYANAVIHIRJAAQBSCL2S",
-        Account.Capabilities(PaymentNetwork.STELLAR)
+        Account.Capabilities(PaymentNetwork.STELLAR),
       )
     p4.balance =
       Balance("1.00", "stellar:USDC:GBBD47IF6LWK7P7MDEVSCWR7DPUWV3NY3DTQEVFL4NAT4AQH3ZLLFLA5")
@@ -1654,7 +1655,7 @@ class CirclePaymentServiceTest {
         "GAYF33NNNMI2Z6VNRFXQ64D4E4SF77PM46NW3ZUZEEU5X7FCHAZCMHKU",
         "2454278437550473431",
         "USD",
-        "XLM"
+        "XLM",
       )
     )
     wantAddresses.add(
@@ -1662,7 +1663,7 @@ class CirclePaymentServiceTest {
         "GAYF33NNNMI2Z6VNRFXQ64D4E4SF77PM46NW3ZUZEEU5X7FCHAZCMHKU",
         "4560730744420812493",
         "USD",
-        "XLM"
+        "XLM",
       )
     )
     wantAddresses.add(
@@ -1707,7 +1708,7 @@ class CirclePaymentServiceTest {
         "GAYF33NNNMI2Z6VNRFXQ64D4E4SF77PM46NW3ZUZEEU5X7FCHAZCMHKU",
         "2454278437550473431",
         "USD",
-        "XLM"
+        "XLM",
       )
 
     assertEquals(wantResponse, response)
@@ -1755,7 +1756,7 @@ class CirclePaymentServiceTest {
         "GAYF33NNNMI2Z6VNRFXQ64D4E4SF77PM46NW3ZUZEEU5X7FCHAZCMHKU",
         "2454278437550473431",
         "USD",
-        "XLM"
+        "XLM",
       )
     assertEquals(wantAddress, address)
 
@@ -1834,7 +1835,7 @@ class CirclePaymentServiceTest {
     val wireInstructionsRequest = server.takeRequest()
     assertThat(
       wireInstructionsRequest.path,
-      CoreMatchers.endsWith("/v1/banks/wires/bank-id-here/instructions")
+      CoreMatchers.endsWith("/v1/banks/wires/bank-id-here/instructions"),
     )
     assertEquals("GET", wireInstructionsRequest.method)
     assertEquals("application/json", wireInstructionsRequest.headers["Content-Type"])
@@ -1876,7 +1877,7 @@ class CirclePaymentServiceTest {
     ex = assertThrows { service.getDepositInstructions(config).block() }
     assertEquals(
       HttpException(400, "the only receiving currency in a circle account is \"circle:USD\""),
-      ex
+      ex,
     )
 
     // missing bank id
@@ -1886,9 +1887,9 @@ class CirclePaymentServiceTest {
     assertEquals(
       HttpException(
         400,
-        "please provide a valid Circle bank id for the intermediaryAccountId field when requesting instructions for bank wire deposits"
+        "please provide a valid Circle bank id for the intermediaryAccountId field when requesting instructions for bank wire deposits",
       ),
-      ex
+      ex,
     )
   }
 
@@ -1897,7 +1898,7 @@ class CirclePaymentServiceTest {
   @EnumSource(
     value = PaymentNetwork::class,
     mode = EnumSource.Mode.EXCLUDE,
-    names = ["STELLAR", "CIRCLE", "BANK_WIRE"]
+    names = ["STELLAR", "CIRCLE", "BANK_WIRE"],
   )
   fun test_getDepositInstructions_parameterValidation_supportedNetworks(
     paymentNetwork: PaymentNetwork?
@@ -1908,9 +1909,9 @@ class CirclePaymentServiceTest {
     assertEquals(
       HttpException(
         400,
-        """the only supported intermediary payment networks are "stellar", "circle" and "bank_wire""""
+        """the only supported intermediary payment networks are "stellar", "circle" and "bank_wire"""",
       ),
-      ex
+      ex,
     )
   }
 
@@ -1930,7 +1931,7 @@ class CirclePaymentServiceTest {
         null,
         PaymentNetwork.CIRCLE,
         "circle:USD",
-        null
+        null,
       )
     assertEquals(wantInstructions, instructions)
     assertEquals(0, server.requestCount)
@@ -1974,7 +1975,7 @@ class CirclePaymentServiceTest {
         "2454278437550473431",
         PaymentNetwork.STELLAR,
         CircleAsset.stellarUSDC(Network.TESTNET),
-        null
+        null,
       )
     assertEquals(wantInstructions, instructions)
 
@@ -2021,7 +2022,7 @@ class CirclePaymentServiceTest {
         null,
         PaymentNetwork.BANK_WIRE,
         "bank-id-here",
-        CircleAsset.circleUSD()
+        CircleAsset.circleUSD(),
       )
     assertDoesNotThrow { instructions = service.getDepositInstructions(config).block() }
 
@@ -2040,7 +2041,7 @@ class CirclePaymentServiceTest {
             mapOf(
               "name" to "CIRCLE INTERNET FINANCIAL INC",
               "address1" to "1 MAIN STREET",
-              "address2" to "SUITE 1"
+              "address2" to "SUITE 1",
             ),
           "beneficiaryBank" to
             mapOf(
@@ -2051,9 +2052,9 @@ class CirclePaymentServiceTest {
               "country" to "US",
               "swiftCode" to "CRYPTO99",
               "routingNumber" to "999999999",
-              "accountNumber" to "1000000001"
-            )
-        )
+              "accountNumber" to "1000000001",
+            ),
+        ),
       )
     assertEquals(wantInstructions, instructions)
 
@@ -2068,7 +2069,7 @@ class CirclePaymentServiceTest {
     val wireInstructionsRequest = server.takeRequest()
     assertThat(
       wireInstructionsRequest.path,
-      CoreMatchers.endsWith("/v1/banks/wires/bank-id-here/instructions")
+      CoreMatchers.endsWith("/v1/banks/wires/bank-id-here/instructions"),
     )
     assertEquals("GET", wireInstructionsRequest.method)
     assertEquals("application/json", wireInstructionsRequest.headers["Content-Type"])
@@ -2145,13 +2146,13 @@ class CirclePaymentServiceTest {
     validateErrHandling(
       ErrorHandlingTestCase(
         service.getAccount("random_id"),
-        listOf(validateSecretKeyResponse, badRequestResponse)
+        listOf(validateSecretKeyResponse, badRequestResponse),
       )
     )
     validateErrHandling(
       ErrorHandlingTestCase(
         getMerchantAccountUnsettledBalancesMethod.invoke(service) as Mono<*>,
-        listOf(badRequestResponse)
+        listOf(badRequestResponse),
       )
     )
     validateErrHandling(
@@ -2160,7 +2161,7 @@ class CirclePaymentServiceTest {
     validateErrHandling(
       ErrorHandlingTestCase(
         getCircleWalletMethod.invoke(service, "random_id") as Mono<*>,
-        listOf(badRequestResponse)
+        listOf(badRequestResponse),
       )
     )
     validateErrHandling(
@@ -2169,25 +2170,25 @@ class CirclePaymentServiceTest {
     validateErrHandling(
       ErrorHandlingTestCase(
         (service as CirclePaymentService).getListOfAddresses("any_id"),
-        listOf(badRequestResponse)
+        listOf(badRequestResponse),
       )
     )
     validateErrHandling(
       ErrorHandlingTestCase(
         (service as CirclePaymentService).createNewStellarAddress("any_id"),
-        listOf(badRequestResponse)
+        listOf(badRequestResponse),
       )
     )
     validateErrHandling(
       ErrorHandlingTestCase(
         (service as CirclePaymentService).getOrCreateStellarAddress("any_id"),
-        listOf(emptyListResponse, badRequestResponse)
+        listOf(emptyListResponse, badRequestResponse),
       )
     )
     validateErrHandling(
       ErrorHandlingTestCase(
         (service as CirclePaymentService).getWireDepositInstructions("1000066041", "any_bank_id"),
-        listOf(badRequestResponse)
+        listOf(badRequestResponse),
       )
     )
     validateErrHandling(
@@ -2195,7 +2196,7 @@ class CirclePaymentServiceTest {
         service.getDepositInstructions(
           DepositRequirements("1000066041", PaymentNetwork.STELLAR, CircleAsset.circleUSD())
         ),
-        listOf(badRequestResponse)
+        listOf(badRequestResponse),
       )
     )
     validateErrHandling(
@@ -2206,10 +2207,10 @@ class CirclePaymentServiceTest {
             null,
             PaymentNetwork.BANK_WIRE,
             "bank-id-here",
-            CircleAsset.circleUSD()
+            CircleAsset.circleUSD(),
           )
         ),
-        listOf(badRequestResponse)
+        listOf(badRequestResponse),
       )
     )
     // --- tests with async/parallel requests ---
@@ -2223,8 +2224,8 @@ class CirclePaymentServiceTest {
         hashMapOf(
           "/v1/configuration" to validateSecretKeyResponse,
           "/v1/businessAccount/balances" to mainAccountResponse,
-          "/v1/wallets/1000066041" to badRequestResponse
-        )
+          "/v1/wallets/1000066041" to badRequestResponse,
+        ),
       )
     )
     validateErrHandling(
@@ -2233,12 +2234,12 @@ class CirclePaymentServiceTest {
           Account(PaymentNetwork.CIRCLE, "1000066041", Account.Capabilities()),
           Account(PaymentNetwork.CIRCLE, "1000067536", Account.Capabilities()),
           CircleAsset.circleUSD(),
-          BigDecimal.valueOf(1)
+          BigDecimal.valueOf(1),
         ),
         hashMapOf(
           "/v1/configuration" to validateSecretKeyResponse,
-          "/v1/transfers" to badRequestResponse
-        )
+          "/v1/transfers" to badRequestResponse,
+        ),
       )
     )
     validateErrHandling(
@@ -2249,15 +2250,15 @@ class CirclePaymentServiceTest {
             PaymentNetwork.STELLAR,
             "GBG7VGZFH4TU2GS7WL5LMPYFNP64ZFR23XEGAV7GPEEXKWOR2DKCYPCK",
             "test tag",
-            Account.Capabilities(PaymentNetwork.CIRCLE, PaymentNetwork.STELLAR)
+            Account.Capabilities(PaymentNetwork.CIRCLE, PaymentNetwork.STELLAR),
           ),
           "stellar:USDC:GBBD47IF6LWK7P7MDEVSCWR7DPUWV3NY3DTQEVFL4NAT4AQH3ZLLFLA5",
-          BigDecimal(1)
+          BigDecimal(1),
         ),
         hashMapOf(
           "/v1/configuration" to validateSecretKeyResponse,
-          "/v1/transfers" to badRequestResponse
-        )
+          "/v1/transfers" to badRequestResponse,
+        ),
       )
     )
     validateErrHandling(
@@ -2268,27 +2269,27 @@ class CirclePaymentServiceTest {
             PaymentNetwork.BANK_WIRE,
             "6c87da10-feb8-484f-822c-2083ed762d25",
             "test@mail.com",
-            Account.Capabilities()
+            Account.Capabilities(),
           ),
           CircleAsset.fiatUSD(),
-          BigDecimal(1)
+          BigDecimal(1),
         ),
         hashMapOf(
           "/v1/configuration" to validateSecretKeyResponse,
-          "/v1/payouts" to badRequestResponse
+          "/v1/payouts" to badRequestResponse,
         ),
       )
     )
     validateErrHandling(
       ErrorHandlingTestCase(
         (service as CirclePaymentService).getTransfers("1000066041", null, null, null),
-        hashMapOf("/v1/transfers?pageSize=50&walletId=1000066041" to badRequestResponse)
+        hashMapOf("/v1/transfers?pageSize=50&walletId=1000066041" to badRequestResponse),
       )
     )
     validateErrHandling(
       ErrorHandlingTestCase(
         (service as CirclePaymentService).getPayouts("1000066041", null, null, null),
-        hashMapOf("/v1/payouts?pageSize=50&source=1000066041" to badRequestResponse)
+        hashMapOf("/v1/payouts?pageSize=50&source=1000066041" to badRequestResponse),
       )
     )
     validateErrHandling(
@@ -2296,8 +2297,8 @@ class CirclePaymentServiceTest {
         (service as CirclePaymentService).getIncomingPayments("1000066041", null, null, null),
         hashMapOf(
           "/v1/configuration" to validateSecretKeyResponse,
-          "/v1/payments?pageSize=50" to badRequestResponse
-        )
+          "/v1/payments?pageSize=50" to badRequestResponse,
+        ),
       )
     )
     validateErrHandling(
@@ -2307,8 +2308,8 @@ class CirclePaymentServiceTest {
           "/v1/configuration" to validateSecretKeyResponse,
           "/v1/transfers?pageSize=50&walletId=1000066041" to badRequestResponse,
           "/v1/payouts?pageSize=50&source=1000066041" to badRequestResponse,
-          "/v1/payments?pageSize=50" to badRequestResponse
-        )
+          "/v1/payments?pageSize=50" to badRequestResponse,
+        ),
       )
     )
   }
diff --git a/platform/src/test/kotlin/org/stellar/anchor/paymentservice/circle/StellarReconciliationTest.kt b/platform/src/test/kotlin/org/stellar/anchor/paymentservice/circle/StellarReconciliationTest.kt
index a87bcbb6e5..c707c44eb0 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/paymentservice/circle/StellarReconciliationTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/paymentservice/circle/StellarReconciliationTest.kt
@@ -57,7 +57,7 @@ class StellarReconciliationTest {
     val originalTransfer =
       gson.fromJson(
         CirclePaymentServiceTest.mockStellarToWalletTransferJson,
-        CircleTransfer::class.java
+        CircleTransfer::class.java,
       )
     assertNull(originalTransfer.source.address)
 
@@ -69,7 +69,7 @@ class StellarReconciliationTest {
     }
     assertEquals(
       "GAC2OWWDD75GCP4II35UCLYA7JB6LDDZUBZQLYANAVIHIRJAAQBSCL2S",
-      updatedTransfer?.source?.address
+      updatedTransfer?.source?.address,
     )
 
     // verify the updated transfer is a new object and did not cause any change in the original
@@ -84,7 +84,7 @@ class StellarReconciliationTest {
       request.path,
       CoreMatchers.endsWith(
         "/transactions/fb8947c67856d8eb444211c1927d92bcf14abcfb34cdd27fc9e604b15d208fd1/payments"
-      )
+      ),
     )
   }
 }
diff --git a/platform/src/test/kotlin/org/stellar/anchor/paymentservice/circle/model/CircleTransferSerializationTest.kt b/platform/src/test/kotlin/org/stellar/anchor/paymentservice/circle/model/CircleTransferSerializationTest.kt
index 4bb9880d04..ba6ff4554e 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/paymentservice/circle/model/CircleTransferSerializationTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/paymentservice/circle/model/CircleTransferSerializationTest.kt
@@ -61,7 +61,7 @@ class CircleTransferSerializationTest {
     wantTransfer.destination =
       CircleTransactionParty.stellar(
         "GAC2OWWDD75GCP4II35UCLYA7JB6LDDZUBZQLYANAVIHIRJAAQBSCL2S",
-        null
+        null,
       )
     wantTransfer.amount = CircleBalance("USD", "1.00")
     wantTransfer.transactionHash =
@@ -76,16 +76,12 @@ class CircleTransferSerializationTest {
           hashMapOf<String, Any>(
             "type" to "blockchain",
             "address" to "GAC2OWWDD75GCP4II35UCLYA7JB6LDDZUBZQLYANAVIHIRJAAQBSCL2S",
-            "chain" to "XLM"
-          ),
-        "amount" to
-          hashMapOf<String, Any>(
-            "amount" to "1.00",
-            "currency" to "USD",
+            "chain" to "XLM",
           ),
+        "amount" to hashMapOf<String, Any>("amount" to "1.00", "currency" to "USD"),
         "transactionHash" to "5239ee055b1083231c6bdaaa921d3e4b3bc090577fbd909815bd5d7fe68091ef",
         "status" to "complete",
-        "createDate" to "2022-01-01T01:01:01.544Z"
+        "createDate" to "2022-01-01T01:01:01.544Z",
       )
 
     val transfer = gson.fromJson(mockCircleTransferJson, CircleTransfer::class.java)
@@ -100,7 +96,7 @@ class CircleTransferSerializationTest {
     transfer.destination =
       CircleTransactionParty.stellar(
         "GAC2OWWDD75GCP4II35UCLYA7JB6LDDZUBZQLYANAVIHIRJAAQBSCL2S",
-        null
+        null,
       )
     transfer.amount = CircleBalance("USD", "1.00")
     transfer.transactionHash = "5239ee055b1083231c6bdaaa921d3e4b3bc090577fbd909815bd5d7fe68091ef"
@@ -114,16 +110,12 @@ class CircleTransferSerializationTest {
           hashMapOf<String, Any>(
             "type" to "blockchain",
             "address" to "GAC2OWWDD75GCP4II35UCLYA7JB6LDDZUBZQLYANAVIHIRJAAQBSCL2S",
-            "chain" to "XLM"
-          ),
-        "amount" to
-          hashMapOf<String, Any>(
-            "amount" to "1.00",
-            "currency" to "USD",
+            "chain" to "XLM",
           ),
+        "amount" to hashMapOf<String, Any>("amount" to "1.00", "currency" to "USD"),
         "transactionHash" to "5239ee055b1083231c6bdaaa921d3e4b3bc090577fbd909815bd5d7fe68091ef",
         "status" to "complete",
-        "createDate" to "2022-01-01T01:01:01.544Z"
+        "createDate" to "2022-01-01T01:01:01.544Z",
       )
 
     val transferJson = gson.toJson(transfer)
diff --git a/platform/src/test/kotlin/org/stellar/anchor/platform/LogAppenderTest.kt b/platform/src/test/kotlin/org/stellar/anchor/platform/LogAppenderTest.kt
index 203334091d..c1c93f0ed5 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/platform/LogAppenderTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/platform/LogAppenderTest.kt
@@ -19,6 +19,7 @@ class LogAppenderTest {
   private val loggerContext: LoggerContext = LogManager.getContext(false) as LoggerContext
   private val rootLoggerConfig = loggerContext.configuration.getLoggerConfig("org.stellar")
   private val lastLevel = rootLoggerConfig.level
+
   @BeforeEach
   fun setup() {
     every { appender.name } returns "mock appender"
@@ -51,7 +52,7 @@ class LogAppenderTest {
   fun test_logger_outputAccurateLoggerName(
     methodName: String,
     wantMessage: String,
-    wantLevelName: String
+    wantLevelName: String,
   ) {
     when (methodName) {
       "error" -> Log.error(wantMessage)
diff --git a/platform/src/test/kotlin/org/stellar/anchor/platform/PaymentConfigTest.kt b/platform/src/test/kotlin/org/stellar/anchor/platform/PaymentConfigTest.kt
index 3004e37517..db7f532c12 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/platform/PaymentConfigTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/platform/PaymentConfigTest.kt
@@ -49,71 +49,65 @@ class PaymentConfigTest {
     // assetService.listAllAssets() is null
     val mockEmptyAssetService = mockk<AssetService>()
     every { mockEmptyAssetService.listAllAssets() } returns null
-    ex =
-      assertThrows {
-        paymentConfig.stellarPaymentObserverService(mockEmptyAssetService, null, null, null, null)
-      }
+    ex = assertThrows {
+      paymentConfig.stellarPaymentObserverService(mockEmptyAssetService, null, null, null, null)
+    }
     assertInstanceOf(ServerErrorException::class.java, ex)
     assertEquals("Asset service cannot be empty.", ex.message)
 
     // assetService.listAllAssets() doesn't contain stellar assets
     val mockStellarLessAssetService = mockk<AssetService>()
     every { mockStellarLessAssetService.listAllAssets() } returns listOf()
-    ex =
-      assertThrows {
-        paymentConfig.stellarPaymentObserverService(
-          mockStellarLessAssetService,
-          null,
-          null,
-          null,
-          null
-        )
-      }
+    ex = assertThrows {
+      paymentConfig.stellarPaymentObserverService(
+        mockStellarLessAssetService,
+        null,
+        null,
+        null,
+        null,
+      )
+    }
     assertInstanceOf(ServerErrorException::class.java, ex)
     assertEquals("Asset service should contain at least one Stellar asset.", ex.message)
 
     // paymentListeners is null
-    ex =
-      assertThrows {
-        paymentConfig.stellarPaymentObserverService(assetService, null, null, null, null)
-      }
+    ex = assertThrows {
+      paymentConfig.stellarPaymentObserverService(assetService, null, null, null, null)
+    }
     assertInstanceOf(ServerErrorException::class.java, ex)
     assertEquals("The stellar payment observer service needs at least one listener.", ex.message)
 
     // paymentListeners is empty
-    ex =
-      assertThrows {
-        paymentConfig.stellarPaymentObserverService(assetService, listOf(), null, null, null)
-      }
+    ex = assertThrows {
+      paymentConfig.stellarPaymentObserverService(assetService, listOf(), null, null, null)
+    }
     assertInstanceOf(ServerErrorException::class.java, ex)
     assertEquals("The stellar payment observer service needs at least one listener.", ex.message)
 
     // paymentStreamerCursorStore is null
-    ex =
-      assertThrows {
-        paymentConfig.stellarPaymentObserverService(
-          assetService,
-          mockPaymentListeners,
-          null,
-          null,
-          null
-        )
-      }
+    ex = assertThrows {
+      paymentConfig.stellarPaymentObserverService(
+        assetService,
+        mockPaymentListeners,
+        null,
+        null,
+        null,
+      )
+    }
     assertInstanceOf(ServerErrorException::class.java, ex)
     assertEquals("Payment streamer cursor store cannot be empty.", ex.message)
 
     // appConfig is null
     every { paymentStreamerCursorStore.load() } returns null
-    ex =
-      assertThrows {
-        paymentConfig.stellarPaymentObserverService(
-          assetService,
-          mockPaymentListeners,
-          paymentStreamerCursorStore,
-          null,
-          null
-        )
-      }
+    ex = assertThrows {
+      paymentConfig.stellarPaymentObserverService(
+        assetService,
+        mockPaymentListeners,
+        paymentStreamerCursorStore,
+        null,
+        null,
+      )
+    }
     assertInstanceOf(ServerErrorException::class.java, ex)
     assertEquals("App config cannot be empty.", ex.message)
   }
@@ -137,7 +131,7 @@ class PaymentConfigTest {
         mockPaymentListeners,
         paymentStreamerCursorStore,
         paymentObservingAccountsManager,
-        mockAppConfig
+        mockAppConfig,
       )
     }
   }
diff --git a/platform/src/test/kotlin/org/stellar/anchor/platform/callback/PlatformIntegrationHelperTest.kt b/platform/src/test/kotlin/org/stellar/anchor/platform/callback/PlatformIntegrationHelperTest.kt
index c249a997ab..c0dbefe976 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/platform/callback/PlatformIntegrationHelperTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/platform/callback/PlatformIntegrationHelperTest.kt
@@ -43,7 +43,7 @@ class PlatformIntegrationHelperTest {
           JwtToken.of(
             TEST_HOME_DOMAIN,
             currentTimeMilliseconds / 1000L,
-            (currentTimeMilliseconds + JWT_EXPIRATION_MILLISECONDS) / 1000L
+            (currentTimeMilliseconds + JWT_EXPIRATION_MILLISECONDS) / 1000L,
           )
 
         val jwtService = JwtService("secret")
diff --git a/platform/src/test/kotlin/org/stellar/anchor/platform/callback/RestCustomerIntegrationTest.kt b/platform/src/test/kotlin/org/stellar/anchor/platform/callback/RestCustomerIntegrationTest.kt
index b30ee0b754..5ff63db91b 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/platform/callback/RestCustomerIntegrationTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/platform/callback/RestCustomerIntegrationTest.kt
@@ -94,7 +94,8 @@ class RestCustomerIntegrationTest {
                 "status": "ACCEPTED"
               }
             }
-        }""".trimMargin()
+        }"""
+            .trimMargin()
         )
     )
 
@@ -128,10 +129,8 @@ class RestCustomerIntegrationTest {
         &memo_type=memoType
         &type=sending_user
         &lang=en
-        """.replace(
-        "\n        ",
-        ""
-      )
+        """
+        .replace("\n        ", "")
     MatcherAssert.assertThat(request.path, CoreMatchers.endsWith(wantEndpoint))
     assertEquals("", request.body.readUtf8())
   }
@@ -197,7 +196,8 @@ class RestCustomerIntegrationTest {
       "memo": "memo",
       "first_name": "John",
       "last_name": "Doe"
-    }""".trimMargin()
+    }"""
+        .trimMargin()
     JSONAssert.assertEquals(wantBody, request.body.readUtf8(), true)
   }
 
@@ -226,7 +226,8 @@ class RestCustomerIntegrationTest {
       """{
       "id": "customer-id",
       "account": "$TEST_ACCOUNT"
-    }""".trimMargin()
+    }"""
+        .trimMargin()
     JSONAssert.assertEquals(wantBody, request.body.readUtf8(), true)
   }
 
diff --git a/platform/src/test/kotlin/org/stellar/anchor/platform/config/Sep38ConfigTest.kt b/platform/src/test/kotlin/org/stellar/anchor/platform/config/Sep38ConfigTest.kt
index 4ab0debabb..f572573e9f 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/platform/config/Sep38ConfigTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/platform/config/Sep38ConfigTest.kt
@@ -17,6 +17,7 @@ open class Sep38ConfigTest {
     ValidationUtils.invokeValidator(sep38Config, sep38Config, errors)
     assertEquals(0, errors.errorCount)
   }
+
   @Test
   fun testSep38ConfigBadQuoteIntegrationEndpoint() {
     val sep38Config = PropertySep38Config()
diff --git a/platform/src/test/kotlin/org/stellar/anchor/platform/data/JdbcSep31TransactionTest.kt b/platform/src/test/kotlin/org/stellar/anchor/platform/data/JdbcSep31TransactionTest.kt
index 1e64bfada7..39142eb78d 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/platform/data/JdbcSep31TransactionTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/platform/data/JdbcSep31TransactionTest.kt
@@ -13,7 +13,8 @@ class JdbcSep31TransactionTest {
               "amount_fee": "5",
               "refundPayments": null
             }
-        """.trimIndent()
+        """
+      .trimIndent()
 
   private val refundsJsonWithRefundPayment =
     """
@@ -33,7 +34,8 @@ class JdbcSep31TransactionTest {
                 }
               ]
             }
-        """.trimIndent()
+        """
+      .trimIndent()
 
   @Test
   fun `test JdbcSep31Transaction refunds Json conversion`() {
diff --git a/platform/src/test/kotlin/org/stellar/anchor/platform/payment/observer/CirclePaymentObserverServiceTest.kt b/platform/src/test/kotlin/org/stellar/anchor/platform/payment/observer/CirclePaymentObserverServiceTest.kt
index 745baeef9e..20b098b48e 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/platform/payment/observer/CirclePaymentObserverServiceTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/platform/payment/observer/CirclePaymentObserverServiceTest.kt
@@ -49,7 +49,7 @@ class CirclePaymentObserverServiceTest {
         httpClient,
         circlePaymentObserverConfig,
         horizon,
-        listOf(paymentListener)
+        listOf(paymentListener),
       )
 
     server = MockWebServer()
@@ -80,12 +80,11 @@ class CirclePaymentObserverServiceTest {
 
     // Unsupported type is ignored
     unsupportedNotification = mapOf("Type" to "ABC")
-    ex =
-      assertThrows {
-        circlePaymentObserverService.handleCircleNotification(
-          fromMapToCircleNotification(unsupportedNotification)
-        )
-      }
+    ex = assertThrows {
+      circlePaymentObserverService.handleCircleNotification(
+        fromMapToCircleNotification(unsupportedNotification)
+      )
+    }
     assertEquals("Not handling notification of unsupported type \"ABC\".", ex.message)
     assertInstanceOf(UnprocessableEntityException::class.java, ex)
   }
@@ -102,7 +101,7 @@ class CirclePaymentObserverServiceTest {
     }
     assertEquals(
       "Notification body of type SubscriptionConfirmation is missing subscription URL.",
-      ex.message
+      ex.message,
     )
     assertInstanceOf(BadRequestException::class.java, ex)
 
@@ -111,12 +110,11 @@ class CirclePaymentObserverServiceTest {
     val serverUrl = server.url("").toString()
     subConfirmationNotification =
       mapOf("Type" to "SubscriptionConfirmation", "SubscribeURL" to serverUrl)
-    ex =
-      assertThrows {
-        circlePaymentObserverService.handleCircleNotification(
-          fromMapToCircleNotification(subConfirmationNotification)
-        )
-      }
+    ex = assertThrows {
+      circlePaymentObserverService.handleCircleNotification(
+        fromMapToCircleNotification(subConfirmationNotification)
+      )
+    }
     assertEquals("Failed to call \"SubscribeURL\" endpoint.", ex.message)
     assertInstanceOf(BadRequestException::class.java, ex)
 
@@ -127,7 +125,7 @@ class CirclePaymentObserverServiceTest {
         newHttpClient,
         circlePaymentObserverConfig,
         horizon,
-        listOf(paymentListener)
+        listOf(paymentListener),
       )
 
     val badRequestResponse =
@@ -137,12 +135,11 @@ class CirclePaymentObserverServiceTest {
         .setBody("""{ "error": "Something went wrong with your request." }""")
     server.enqueue(badRequestResponse)
 
-    ex =
-      assertThrows {
-        circlePaymentObserverService.handleCircleNotification(
-          fromMapToCircleNotification(subConfirmationNotification)
-        )
-      }
+    ex = assertThrows {
+      circlePaymentObserverService.handleCircleNotification(
+        fromMapToCircleNotification(subConfirmationNotification)
+      )
+    }
     assertEquals("Calling the \"SubscribeURL\" endpoint didn't succeed.", ex.message)
     assertInstanceOf(BadRequestException::class.java, ex)
 
@@ -186,48 +183,44 @@ class CirclePaymentObserverServiceTest {
 
     // notification type is not "transfers"
     subConfirmationNotification = mapOf("Type" to "Notification", "Message" to "{}")
-    ex =
-      assertThrows {
-        circlePaymentObserverService.handleCircleNotification(
-          fromMapToCircleNotification(subConfirmationNotification)
-        )
-      }
+    ex = assertThrows {
+      circlePaymentObserverService.handleCircleNotification(
+        fromMapToCircleNotification(subConfirmationNotification)
+      )
+    }
     assertEquals("Won't handle notification of type \"null\".", ex.message)
     assertInstanceOf(UnprocessableEntityException::class.java, ex)
 
     // missing Message.transfer
     var messageJson = """{ "notificationType": "transfers" }"""
     subConfirmationNotification = mapOf("Type" to "Notification", "Message" to messageJson)
-    ex =
-      assertThrows {
-        circlePaymentObserverService.handleCircleNotification(
-          fromMapToCircleNotification(subConfirmationNotification)
-        )
-      }
+    ex = assertThrows {
+      circlePaymentObserverService.handleCircleNotification(
+        fromMapToCircleNotification(subConfirmationNotification)
+      )
+    }
     assertEquals("Missing \"transfer\" value in notification of type \"transfers\".", ex.message)
     assertInstanceOf(BadRequestException::class.java, ex)
 
     // Not a complete transfer
     messageJson = """{ "notificationType": "transfers", "transfer": {} }"""
     subConfirmationNotification = mapOf("Type" to "Notification", "Message" to messageJson)
-    ex =
-      assertThrows {
-        circlePaymentObserverService.handleCircleNotification(
-          fromMapToCircleNotification(subConfirmationNotification)
-        )
-      }
+    ex = assertThrows {
+      circlePaymentObserverService.handleCircleNotification(
+        fromMapToCircleNotification(subConfirmationNotification)
+      )
+    }
     assertEquals("Not a complete transfer.", ex.message)
     assertInstanceOf(UnprocessableEntityException::class.java, ex)
 
     // Incomplete transfer
     messageJson = """{ "notificationType": "transfers", "transfer": { "status": "pending" } }"""
     subConfirmationNotification = mapOf("Type" to "Notification", "Message" to messageJson)
-    ex =
-      assertThrows {
-        circlePaymentObserverService.handleCircleNotification(
-          fromMapToCircleNotification(subConfirmationNotification)
-        )
-      }
+    ex = assertThrows {
+      circlePaymentObserverService.handleCircleNotification(
+        fromMapToCircleNotification(subConfirmationNotification)
+      )
+    }
     assertEquals("Not a complete transfer.", ex.message)
     assertInstanceOf(UnprocessableEntityException::class.java, ex)
 
@@ -250,12 +243,11 @@ class CirclePaymentObserverServiceTest {
         .trimIndent()
         .trimMargin()
     subConfirmationNotification = mapOf("Type" to "Notification", "Message" to messageJson)
-    ex =
-      assertThrows {
-        circlePaymentObserverService.handleCircleNotification(
-          fromMapToCircleNotification(subConfirmationNotification)
-        )
-      }
+    ex = assertThrows {
+      circlePaymentObserverService.handleCircleNotification(
+        fromMapToCircleNotification(subConfirmationNotification)
+      )
+    }
     assertEquals("Neither source nor destination are Stellar accounts.", ex.message)
     assertInstanceOf(UnprocessableEntityException::class.java, ex)
 
@@ -282,12 +274,11 @@ class CirclePaymentObserverServiceTest {
         .trimIndent()
         .trimMargin()
     subConfirmationNotification = mapOf("Type" to "Notification", "Message" to messageJson)
-    ex =
-      assertThrows {
-        circlePaymentObserverService.handleCircleNotification(
-          fromMapToCircleNotification(subConfirmationNotification)
-        )
-      }
+    ex = assertThrows {
+      circlePaymentObserverService.handleCircleNotification(
+        fromMapToCircleNotification(subConfirmationNotification)
+      )
+    }
     assertEquals("None of the transfer wallets is being tracked.", ex.message)
     assertInstanceOf(UnprocessableEntityException::class.java, ex)
 
@@ -298,7 +289,7 @@ class CirclePaymentObserverServiceTest {
         httpClient,
         circlePaymentObserverConfig,
         horizon,
-        listOf(paymentListener)
+        listOf(paymentListener),
       )
     messageJson =
       """{
@@ -322,12 +313,11 @@ class CirclePaymentObserverServiceTest {
         .trimIndent()
         .trimMargin()
     subConfirmationNotification = mapOf("Type" to "Notification", "Message" to messageJson)
-    ex =
-      assertThrows {
-        circlePaymentObserverService.handleCircleNotification(
-          fromMapToCircleNotification(subConfirmationNotification)
-        )
-      }
+    ex = assertThrows {
+      circlePaymentObserverService.handleCircleNotification(
+        fromMapToCircleNotification(subConfirmationNotification)
+      )
+    }
     assertEquals("The only supported Circle currency is USDC.", ex.message)
     assertInstanceOf(UnprocessableEntityException::class.java, ex)
   }
@@ -354,7 +344,7 @@ class CirclePaymentObserverServiceTest {
         httpClient,
         circlePaymentObserverConfig,
         horizon,
-        listOf(paymentListener)
+        listOf(paymentListener),
       )
 
     // Mock horizon call
@@ -465,7 +455,7 @@ class CirclePaymentObserverServiceTest {
         httpClient,
         circlePaymentObserverConfig,
         horizon,
-        listOf(paymentListener)
+        listOf(paymentListener),
       )
 
     // if the response is empty, returns null
@@ -568,7 +558,7 @@ class CirclePaymentObserverServiceTest {
         httpClient,
         circlePaymentObserverConfig,
         horizon,
-        listOf(paymentListener)
+        listOf(paymentListener),
       )
     party = CircleTransactionParty.wallet("11111")
     isWalletTracked = circlePaymentObserverService.isWalletTracked(party)
@@ -585,7 +575,7 @@ class CirclePaymentObserverServiceTest {
         httpClient,
         circlePaymentObserverConfig,
         horizon,
-        listOf(paymentListener)
+        listOf(paymentListener),
       )
     party = CircleTransactionParty.wallet("11111")
     isWalletTracked = circlePaymentObserverService.isWalletTracked(party)
diff --git a/platform/src/test/kotlin/org/stellar/anchor/platform/payment/observer/stellar/PaymentObservingAccountsManagerTest.kt b/platform/src/test/kotlin/org/stellar/anchor/platform/payment/observer/stellar/PaymentObservingAccountsManagerTest.kt
index 770b526403..23b04c011a 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/platform/payment/observer/stellar/PaymentObservingAccountsManagerTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/platform/payment/observer/stellar/PaymentObservingAccountsManagerTest.kt
@@ -24,16 +24,16 @@ class PaymentObservingAccountsManagerTest {
       listOf(
         PaymentObservingAccount(
           "GCK5ECMM67ZN7RWGUSDKQAW6CAF6Q5WYK2VQJ276SJMINU6WVCIQW6BL",
-          Instant.now().minus(0, HOURS)
+          Instant.now().minus(0, HOURS),
         ),
         PaymentObservingAccount(
           "GCIWQDKACLW26UJXY5CTLULVYUOYROZPAPDDYEQKNGIERVOAXSPLABMB",
-          Instant.now().minus(2, HOURS)
+          Instant.now().minus(2, HOURS),
         ),
         PaymentObservingAccount(
           "GAPBFA5ZYG5VVKN7WPMH6K5CBXGU2AM5ED7S54VX27J7S222NKMTWKR6",
-          Instant.now().minus(12, HOURS)
-        )
+          Instant.now().minus(12, HOURS),
+        ),
       )
   }
 
@@ -89,7 +89,7 @@ class PaymentObservingAccountsManagerTest {
       PaymentObservingAccountsManager.ObservingAccount(
         "GB4DZFFUWC64MZ3BQ433ME7QBODCSFZRBOLWEWEMJIVHABTWGT3W2Q22",
         Instant.now().minus(24, HOURS),
-        TRANSIENT
+        TRANSIENT,
       )
     )
 
@@ -97,7 +97,7 @@ class PaymentObservingAccountsManagerTest {
       PaymentObservingAccountsManager.ObservingAccount(
         "GCC2B7LML6UBKBA7NOMLCR57HPKMFHRO2VTZGSIMRLXDMECBXQ44MOYO",
         Instant.now().minus(100, DAYS),
-        RESIDENTIAL
+        RESIDENTIAL,
       )
     )
 
diff --git a/platform/src/test/kotlin/org/stellar/anchor/platform/service/PaymentOperationToEventListenerTest.kt b/platform/src/test/kotlin/org/stellar/anchor/platform/service/PaymentOperationToEventListenerTest.kt
index 6a39cdde7c..1c0a87cad9 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/platform/service/PaymentOperationToEventListenerTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/platform/service/PaymentOperationToEventListenerTest.kt
@@ -82,7 +82,7 @@ class PaymentOperationToEventListenerTest {
       transactionStore.findByStellarAccountIdAndMemoAndStatus(
         capture(slotAccount),
         capture(slotMemo),
-        capture(slotStatus)
+        capture(slotStatus),
       )
     } returns null
     paymentOperationToEventListener.onReceived(p)
@@ -91,7 +91,7 @@ class PaymentOperationToEventListenerTest {
       transactionStore.findByStellarAccountIdAndMemoAndStatus(
         slotAccount.captured,
         slotMemo.captured,
-        slotStatus.captured
+        slotStatus.captured,
       )
     }
     assertEquals("GCIZBIBPYIOSND7KRYMTSM25POVLOGGCKGIQLLUNSQJ5MAVRBD66KF6B", slotAccount.captured)
@@ -105,7 +105,7 @@ class PaymentOperationToEventListenerTest {
       transactionStore.findByStellarAccountIdAndMemoAndStatus(
         capture(slotAccount),
         capture(slotMemo),
-        capture(slotStatus)
+        capture(slotStatus),
       )
     } throws SepException("Something went wrong")
     paymentOperationToEventListener.onReceived(p)
@@ -114,7 +114,7 @@ class PaymentOperationToEventListenerTest {
       transactionStore.findByStellarAccountIdAndMemoAndStatus(
         slotAccount.captured,
         slotMemo.captured,
-        slotStatus.captured
+        slotStatus.captured,
       )
     }
     assertEquals("GCIZBIBPYIOSND7KRYMTSM25POVLOGGCKGIQLLUNSQJ5MAVRBD66KF6B", slotAccount.captured)
@@ -131,7 +131,7 @@ class PaymentOperationToEventListenerTest {
       transactionStore.findByStellarAccountIdAndMemoAndStatus(
         capture(slotAccount),
         capture(slotMemo),
-        capture(slotStatus)
+        capture(slotStatus),
       )
     } returns sep31TxMock
     paymentOperationToEventListener.onReceived(p)
@@ -140,7 +140,7 @@ class PaymentOperationToEventListenerTest {
       transactionStore.findByStellarAccountIdAndMemoAndStatus(
         slotAccount.captured,
         slotMemo.captured,
-        slotStatus.captured
+        slotStatus.captured,
       )
     }
     assertEquals("GCIZBIBPYIOSND7KRYMTSM25POVLOGGCKGIQLLUNSQJ5MAVRBD66KF6B", slotAccount.captured)
@@ -208,7 +208,7 @@ class PaymentOperationToEventListenerTest {
       transactionStore.findByStellarAccountIdAndMemoAndStatus(
         capture(slotAccount),
         capture(slotMemo),
-        capture(slotStatus)
+        capture(slotStatus),
       )
     } returns sep31TxCopy
 
@@ -247,7 +247,7 @@ class PaymentOperationToEventListenerTest {
         .statusChange(
           TransactionEvent.StatusChange(
             TransactionEvent.Status.PENDING_SENDER,
-            TransactionEvent.Status.PENDING_RECEIVER
+            TransactionEvent.Status.PENDING_RECEIVER,
           )
         )
         .sep(TransactionEvent.Sep.SEP_31)
@@ -271,7 +271,7 @@ class PaymentOperationToEventListenerTest {
         .customers(
           Customers(
             StellarId.builder().id(senderId).build(),
-            StellarId.builder().id(receiverId).build()
+            StellarId.builder().id(receiverId).build(),
           )
         )
         .stellarTransactions(listOf(stellarTransaction))
@@ -285,7 +285,7 @@ class PaymentOperationToEventListenerTest {
       transactionStore.findByStellarAccountIdAndMemoAndStatus(
         "GBZ4HPSEHKEEJ6MOZBSVV2B3LE27EZLV6LJY55G47V7BGBODWUXQM364",
         "OWI3OGYwZmEtOTNmOS00MTk4LThkOTMtZTc2ZmQwODQ=",
-        "pending_sender"
+        "pending_sender",
       )
     }
     verify(exactly = 1) { eventPublishService.publish(any()) }
@@ -365,7 +365,7 @@ class PaymentOperationToEventListenerTest {
       transactionStore.findByStellarAccountIdAndMemoAndStatus(
         capture(slotAccount),
         capture(slotMemo),
-        capture(slotStatus)
+        capture(slotStatus),
       )
     } returns sep31TxCopy
 
@@ -404,7 +404,7 @@ class PaymentOperationToEventListenerTest {
         .statusChange(
           TransactionEvent.StatusChange(
             TransactionEvent.Status.PENDING_SENDER,
-            TransactionEvent.Status.PENDING_RECEIVER
+            TransactionEvent.Status.PENDING_RECEIVER,
           )
         )
         .sep(TransactionEvent.Sep.SEP_31)
@@ -428,7 +428,7 @@ class PaymentOperationToEventListenerTest {
         .customers(
           Customers(
             StellarId.builder().id(senderId).build(),
-            StellarId.builder().id(receiverId).build()
+            StellarId.builder().id(receiverId).build(),
           )
         )
         .stellarTransactions(listOf(stellarTransaction))
@@ -442,7 +442,7 @@ class PaymentOperationToEventListenerTest {
       transactionStore.findByStellarAccountIdAndMemoAndStatus(
         "GBZ4HPSEHKEEJ6MOZBSVV2B3LE27EZLV6LJY55G47V7BGBODWUXQM364",
         "OWI3OGYwZmEtOTNmOS00MTk4LThkOTMtZTc2ZmQwODQ=",
-        "pending_sender"
+        "pending_sender",
       )
     }
     verify(exactly = 1) { eventPublishService.publish(any()) }
diff --git a/platform/src/test/kotlin/org/stellar/anchor/platform/service/TransactionServiceTest.kt b/platform/src/test/kotlin/org/stellar/anchor/platform/service/TransactionServiceTest.kt
index ce716dfed0..e5dee61a4a 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/platform/service/TransactionServiceTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/platform/service/TransactionServiceTest.kt
@@ -127,7 +127,7 @@ class TransactionServiceTest {
     mockMissingFields.transaction =
       mapOf(
         "receiver_account_number" to
-          AssetInfo.Sep31TxnFieldSpec("bank account number of the destination", null, false),
+          AssetInfo.Sep31TxnFieldSpec("bank account number of the destination", null, false)
       )
 
     // mock the database SEP-31 transaction
@@ -188,7 +188,7 @@ class TransactionServiceTest {
               .fee(Amount("4.0000", fiatUSD))
               .requestedAt(null)
               .refundedAt(null)
-              .build()
+              .build(),
           )
         )
         .build()
@@ -215,7 +215,7 @@ class TransactionServiceTest {
         .customers(
           Customers(
             StellarId("6c1770b0-0ea4-11ed-861d-0242ac120002", null),
-            StellarId("31212353-f265-4dba-9eb4-0bbeda3ba7f2", null)
+            StellarId("31212353-f265-4dba-9eb4-0bbeda3ba7f2", null),
           )
         )
         .creator(StellarId("141ee445-f32c-4c38-9d25-f4475d6c5558", null))
@@ -303,7 +303,8 @@ class TransactionServiceTest {
         "COMPLETED",
         "REFUNDED",
         "EXPIRED",
-        "ERROR"]
+        "ERROR",
+      ],
   )
   fun test_validateIfStatusIsSupported_failure(sepTxnStatus: SepTransactionStatus) {
     val ex: Exception = assertThrows {
@@ -325,7 +326,8 @@ class TransactionServiceTest {
         "PENDING_EXTERNAL",
         "COMPLETED",
         "EXPIRED",
-        "ERROR"]
+        "ERROR",
+      ],
   )
   fun test_validateIfStatusIsSupported(sepTxnStatus: SepTransactionStatus) {
     assertDoesNotThrow { transactionService.validateIfStatusIsSupported(sepTxnStatus.getName()) }
@@ -361,7 +363,7 @@ class TransactionServiceTest {
               .fee(Amount("4.0000", fiatUSD))
               .requestedAt(null)
               .refundedAt(null)
-              .build()
+              .build(),
           )
         )
         .build()
diff --git a/platform/src/test/kotlin/org/stellar/anchor/sep31/Sep31DepositInfoGeneratorTest.kt b/platform/src/test/kotlin/org/stellar/anchor/sep31/Sep31DepositInfoGeneratorTest.kt
index 2a379f2ac9..80d6a7014d 100644
--- a/platform/src/test/kotlin/org/stellar/anchor/sep31/Sep31DepositInfoGeneratorTest.kt
+++ b/platform/src/test/kotlin/org/stellar/anchor/sep31/Sep31DepositInfoGeneratorTest.kt
@@ -79,7 +79,7 @@ class Sep31DepositInfoGeneratorTest {
         assetService,
         feeIntegration,
         customerIntegration,
-        eventPublishService
+        eventPublishService,
       )
 
     txn = gson.fromJson(txnJson, JdbcSep31Transaction::class.java)
@@ -103,13 +103,13 @@ class Sep31DepositInfoGeneratorTest {
         assetService,
         feeIntegration,
         customerIntegration,
-        eventPublishService
+        eventPublishService,
       )
 
     Assertions.assertEquals("a2392add-87c9-42f0-a5c1-5f1728030b68", txn.id)
     Assertions.assertEquals(
       "GAYR3FVW2PCXTNHHWHEAFOCKZQV4PEY2ZKGIKB47EKPJ3GSBYA52XJBY",
-      txn.stellarAccountId
+      txn.stellarAccountId,
     )
     Assertions.assertNull(txn.stellarMemoType)
     Assertions.assertNull(txn.stellarMemo)
@@ -123,7 +123,7 @@ class Sep31DepositInfoGeneratorTest {
 
     Assertions.assertEquals(
       "GAYR3FVW2PCXTNHHWHEAFOCKZQV4PEY2ZKGIKB47EKPJ3GSBYA52XJBY",
-      txn.stellarAccountId
+      txn.stellarAccountId,
     )
     Assertions.assertEquals("hash", txn.stellarMemoType)
     Assertions.assertEquals("YTIzOTJhZGQtODdjOS00MmYwLWE1YzEtNWYxNzI4MDM=", txn.stellarMemo)
@@ -148,7 +148,8 @@ class Sep31DepositInfoGeneratorTest {
                         "masterWalletId":"1000066041"
                       }
                     }
-                  }""".trimMargin()
+                  }"""
+                    .trimMargin()
                 )
             "/v1/wallets/1000066041/addresses" ->
               return MockResponse()
@@ -161,7 +162,8 @@ class Sep31DepositInfoGeneratorTest {
                     "currency":"USD",
                     "chain":"XLM"
                   }
-                }""".trimMargin()
+                }"""
+                    .trimMargin()
                 )
           }
           return MockResponse().setResponseCode(404)
@@ -189,7 +191,7 @@ class Sep31DepositInfoGeneratorTest {
         assetService,
         feeIntegration,
         customerIntegration,
-        eventPublishService
+        eventPublishService,
       )
 
     Assertions.assertNull(txn.stellarMemoType)
@@ -200,7 +202,7 @@ class Sep31DepositInfoGeneratorTest {
 
     Assertions.assertEquals(
       "GAYF33NNNMI2Z6VNRFXQ64D4E4SF77PM46NW3ZUZEEU5X7FCHAZCMHKU",
-      txn.stellarAccountId
+      txn.stellarAccountId,
     )
     Assertions.assertEquals("text", txn.stellarMemoType)
     Assertions.assertEquals("2454278437550473431", txn.stellarMemo)
@@ -218,13 +220,13 @@ class Sep31DepositInfoGeneratorTest {
       Sep31DepositInfo(
         "GAYR3FVW2PCXTNHHWHEAFOCKZQV4PEY2ZKGIKB47EKPJ3GSBYA52XJBY",
         nonEmptyMemo,
-        nonEmptyMemoType
+        nonEmptyMemoType,
       )
 
     Assertions.assertEquals("a2392add-87c9-42f0-a5c1-5f1728030b68", txn.id)
     Assertions.assertEquals(
       "GAYR3FVW2PCXTNHHWHEAFOCKZQV4PEY2ZKGIKB47EKPJ3GSBYA52XJBY",
-      txn.stellarAccountId
+      txn.stellarAccountId,
     )
     Assertions.assertNull(txn.stellarMemoType)
     Assertions.assertNull(txn.stellarMemo)
@@ -238,7 +240,7 @@ class Sep31DepositInfoGeneratorTest {
 
     Assertions.assertEquals(
       "GAYR3FVW2PCXTNHHWHEAFOCKZQV4PEY2ZKGIKB47EKPJ3GSBYA52XJBY",
-      txn.stellarAccountId
+      txn.stellarAccountId,
     )
     Assertions.assertEquals(nonEmptyMemo, txn.stellarMemo)
     Assertions.assertEquals(nonEmptyMemoType, txn.stellarMemoType)