diff --git a/Cargo.lock b/Cargo.lock
index bd9c8907..af049df2 100644
--- a/Cargo.lock
+++ b/Cargo.lock
@@ -52,6 +52,12 @@ dependencies = [
  "winapi 0.3.9",
 ]
 
+[[package]]
+name = "anyhow"
+version = "1.0.33"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "a1fd36ffbb1fb7c834eac128ea8d0e310c5aeb635548f9d58861e1308d46e71c"
+
 [[package]]
 name = "arrayref"
 version = "0.3.6"
@@ -76,6 +82,17 @@ version = "1.3.0"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "7deb0a829ca7bcfaf5da70b073a8d128619259a7be8216a355e23f00763059e5"
 
+[[package]]
+name = "async-trait"
+version = "0.1.41"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "b246867b8b3b6ae56035f1eb1ed557c1d8eae97f0d53696138a50fa0e3a3b8c0"
+dependencies = [
+ "proc-macro2 1.0.24",
+ "quote 1.0.7",
+ "syn 1.0.48",
+]
+
 [[package]]
 name = "atty"
 version = "0.2.14"
@@ -217,7 +234,7 @@ checksum = "b2d74755d937d261d5e9bdef87e0addfbc1ace0214f7776f21532d6e97325356"
 dependencies = [
  "borsh-derive-internal",
  "borsh-schema-derive-internal",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -226,9 +243,9 @@ version = "0.7.1"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "4c9f966cb7a42c8ed83546ef481bc1d1dec888fe5f84a4737d5c2094a483e41e"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -237,9 +254,9 @@ version = "0.7.1"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "5df2543b56ebc2b4493e70d024ebde2cbb48d97bf7b1a16318eff30bd02669b8"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -293,6 +310,12 @@ version = "0.5.6"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "0e4cec68f03f32e44924783795810fa50a7035d8c8ebe78580ad7e6c703fba38"
 
+[[package]]
+name = "bytes"
+version = "0.6.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "e0dcbc35f504eb6fc275a6d20e4ebcda18cf50d40ba6fabff8c711fa16cb3b16"
+
 [[package]]
 name = "bzip2"
 version = "0.3.3"
@@ -324,11 +347,11 @@ dependencies = [
  "heck",
  "indexmap",
  "log",
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
  "serde",
  "serde_json",
- "syn 1.0.41",
+ "syn 1.0.48",
  "tempfile",
  "toml",
 ]
@@ -364,14 +387,25 @@ dependencies = [
 
 [[package]]
 name = "chrono"
-version = "0.4.13"
+version = "0.4.19"
 source = "registry+https://github.com/rust-lang/crates.io-index"
-checksum = "c74d84029116787153e02106bf53e66828452a4b325cc8652b788b5967c0a0b6"
+checksum = "670ad68c9088c2a963aaa298cb369688cf3f9465ce5e2d4ca10e6e0098a1ce73"
 dependencies = [
+ "libc",
  "num-integer",
  "num-traits",
  "serde",
  "time",
+ "winapi 0.3.9",
+]
+
+[[package]]
+name = "chrono-humanize"
+version = "0.1.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "f0a4c32145b4db85fe1c4f2b125a4f9493769df424f5f84baf6b04ea8eaf33c9"
+dependencies = [
+ "chrono",
 ]
 
 [[package]]
@@ -407,6 +441,15 @@ dependencies = [
  "bitflags",
 ]
 
+[[package]]
+name = "cloudabi"
+version = "0.1.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "4344512281c643ae7638bbabc3af17a11307803ec8f0fcad9fae512a8bf36467"
+dependencies = [
+ "bitflags",
+]
+
 [[package]]
 name = "combine"
 version = "2.5.2"
@@ -638,19 +681,6 @@ dependencies = [
  "subtle 2.2.3",
 ]
 
-[[package]]
-name = "curve25519-dalek"
-version = "2.1.0"
-source = "registry+https://github.com/rust-lang/crates.io-index"
-checksum = "5d85653f070353a16313d0046f173f70d1aadd5b42600a14de626f0dfb3473a5"
-dependencies = [
- "byteorder",
- "digest 0.8.1",
- "rand_core",
- "subtle 2.2.3",
- "zeroize",
-]
-
 [[package]]
 name = "curve25519-dalek"
 version = "2.1.0"
@@ -665,6 +695,19 @@ dependencies = [
  "zeroize",
 ]
 
+[[package]]
+name = "curve25519-dalek"
+version = "2.1.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "5d85653f070353a16313d0046f173f70d1aadd5b42600a14de626f0dfb3473a5"
+dependencies = [
+ "byteorder",
+ "digest 0.8.1",
+ "rand_core",
+ "subtle 2.2.3",
+ "zeroize",
+]
+
 [[package]]
 name = "curve25519-dalek"
 version = "3.0.0"
@@ -695,9 +738,9 @@ version = "2.1.1"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "cb582b60359da160a9477ee80f15c8d784c477e69c217ef2cdd4169c24ea380f"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -855,9 +898,9 @@ version = "0.1.8"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "aa4da3c766cd7a0db8242e326e9e4e081edd567072893ed320008189715366a4"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
  "synstructure",
 ]
 
@@ -946,6 +989,21 @@ version = "0.1.29"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "1b980f2816d6ee8673b6517b52cb0e808a180efc92e5c19d02cdda79066703ef"
 
+[[package]]
+name = "futures"
+version = "0.3.5"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "1e05b85ec287aac0dc34db7d4a569323df697f9c55b99b15d6b4ef8cde49f613"
+dependencies = [
+ "futures-channel",
+ "futures-core",
+ "futures-executor",
+ "futures-io",
+ "futures-sink",
+ "futures-task",
+ "futures-util",
+]
+
 [[package]]
 name = "futures-channel"
 version = "0.3.5"
@@ -953,6 +1011,7 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "f366ad74c28cca6ba456d95e6422883cfb4b252a83bed929c83abfdbbf2967d5"
 dependencies = [
  "futures-core",
+ "futures-sink",
 ]
 
 [[package]]
@@ -961,6 +1020,17 @@ version = "0.3.5"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "59f5fff90fd5d971f936ad674802482ba441b6f09ba5e15fd8b39145582ca399"
 
+[[package]]
+name = "futures-executor"
+version = "0.3.5"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "10d6bb888be1153d3abeb9006b11b02cf5e9b209fda28693c31ae1e4e012e314"
+dependencies = [
+ "futures-core",
+ "futures-task",
+ "futures-util",
+]
+
 [[package]]
 name = "futures-io"
 version = "0.3.5"
@@ -974,9 +1044,9 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "d0b5a30a4328ab5473878237c447333c093297bded83a4983d10f4deea240d39"
 dependencies = [
  "proc-macro-hack",
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -1000,12 +1070,14 @@ version = "0.3.5"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "8764574ff08b701a084482c3c7031349104b07ac897393010494beaa18ce32c6"
 dependencies = [
+ "futures-channel",
  "futures-core",
  "futures-io",
  "futures-macro",
+ "futures-sink",
  "futures-task",
  "memchr",
- "pin-project",
+ "pin-project 0.4.23",
  "pin-utils",
  "proc-macro-hack",
  "proc-macro-nested",
@@ -1102,7 +1174,7 @@ dependencies = [
  "indexmap",
  "slab",
  "tokio 0.2.22",
- "tokio-util",
+ "tokio-util 0.3.1",
  "tracing",
 ]
 
@@ -1237,7 +1309,7 @@ dependencies = [
  "http-body",
  "httparse",
  "itoa",
- "pin-project",
+ "pin-project 0.4.23",
  "socket2",
  "time",
  "tokio 0.2.22",
@@ -1304,6 +1376,15 @@ dependencies = [
  "bytes 0.5.6",
 ]
 
+[[package]]
+name = "instant"
+version = "0.1.8"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "cb1fc4429a33e1f80d41dc9fea4d108a88bec1de8053878898ae448a0b52f613"
+dependencies = [
+ "cfg-if 1.0.0",
+]
+
 [[package]]
 name = "iovec"
 version = "0.1.4"
@@ -1390,7 +1471,7 @@ version = "15.1.0"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "0745a6379e3edc893c84ec203589790774e4247420033e71a76d3ab4687991fa"
 dependencies = [
- "futures",
+ "futures 0.1.29",
  "log",
  "serde",
  "serde_derive",
@@ -1469,6 +1550,15 @@ dependencies = [
  "scopeguard",
 ]
 
+[[package]]
+name = "lock_api"
+version = "0.4.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "28247cc5a5be2f05fbcd76dd0cf2c7d3b5400cb978a28042abcd4fa0b3f8261c"
+dependencies = [
+ "scopeguard",
+]
+
 [[package]]
 name = "log"
 version = "0.4.8"
@@ -1565,12 +1655,25 @@ dependencies = [
  "kernel32-sys",
  "libc",
  "log",
- "miow",
+ "miow 0.2.1",
  "net2",
  "slab",
  "winapi 0.2.8",
 ]
 
+[[package]]
+name = "mio"
+version = "0.7.5"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "8962c171f57fcfffa53f4df1bb15ec4c8cf26a7569459c9ceb62d94aab0d9584"
+dependencies = [
+ "libc",
+ "log",
+ "miow 0.3.5",
+ "ntapi",
+ "winapi 0.3.9",
+]
+
 [[package]]
 name = "mio-uds"
 version = "0.6.8"
@@ -1579,7 +1682,7 @@ checksum = "afcb699eb26d4332647cc848492bbc15eafb26f08d0304550d5aa1f612e066f0"
 dependencies = [
  "iovec",
  "libc",
- "mio",
+ "mio 0.6.22",
 ]
 
 [[package]]
@@ -1594,6 +1697,16 @@ dependencies = [
  "ws2_32-sys",
 ]
 
+[[package]]
+name = "miow"
+version = "0.3.5"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "07b88fb9795d4d36d62a012dfbf49a8f5cf12751f36d31a9dbe66d528e58979e"
+dependencies = [
+ "socket2",
+ "winapi 0.3.9",
+]
+
 [[package]]
 name = "native-tls"
 version = "0.2.4"
@@ -1636,15 +1749,24 @@ dependencies = [
  "void",
 ]
 
+[[package]]
+name = "ntapi"
+version = "0.3.6"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "3f6bb902e437b6d86e03cce10a7e2af662292c5dfef23b65899ea3ac9354ad44"
+dependencies = [
+ "winapi 0.3.9",
+]
+
 [[package]]
 name = "num-derive"
 version = "0.3.3"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "876a53fff98e03a936a674b29568b0e605f06b29372c2489ff4de23f1949743d"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -1693,9 +1815,9 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "1c0fd9eba1d5db0994a239e09c1be402d35622277e35468ba891aa5e3188ce7e"
 dependencies = [
  "proc-macro-crate",
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -1781,9 +1903,9 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "77cb63e282343037499f6fd51c1e1964b6c40113b422f076632d0d192a4180de"
 dependencies = [
  "Inflector",
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -1792,7 +1914,7 @@ version = "0.9.0"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "f842b1982eb6c2fe34036a4fbfb06dd185a3f5c8edfaacdf7d1ea10b07de6252"
 dependencies = [
- "lock_api",
+ "lock_api 0.3.4",
  "parking_lot_core 0.6.2",
  "rustc_version",
 ]
@@ -1803,10 +1925,21 @@ version = "0.10.2"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "d3a704eb390aafdc107b0e392f56a82b668e3a71366993b5340f5833fd62505e"
 dependencies = [
- "lock_api",
+ "lock_api 0.3.4",
  "parking_lot_core 0.7.2",
 ]
 
+[[package]]
+name = "parking_lot"
+version = "0.11.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "a4893845fa2ca272e647da5d0e46660a314ead9c2fdd9a883aabc32e481a8733"
+dependencies = [
+ "instant",
+ "lock_api 0.4.1",
+ "parking_lot_core 0.8.0",
+]
+
 [[package]]
 name = "parking_lot_core"
 version = "0.6.2"
@@ -1814,7 +1947,7 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "b876b1b9e7ac6e1a74a6da34d25c42e17e8862aa409cbbbdcfc8d86c6f3bc62b"
 dependencies = [
  "cfg-if 0.1.10",
- "cloudabi",
+ "cloudabi 0.0.3",
  "libc",
  "redox_syscall",
  "rustc_version",
@@ -1829,7 +1962,22 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "d58c7c768d4ba344e3e8d72518ac13e259d7c7ade24167003b8488e10b6740a3"
 dependencies = [
  "cfg-if 0.1.10",
- "cloudabi",
+ "cloudabi 0.0.3",
+ "libc",
+ "redox_syscall",
+ "smallvec 1.4.2",
+ "winapi 0.3.9",
+]
+
+[[package]]
+name = "parking_lot_core"
+version = "0.8.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "c361aa727dd08437f2f1447be8b59a33b0edd15e0fcee698f935613d9efbca9b"
+dependencies = [
+ "cfg-if 0.1.10",
+ "cloudabi 0.1.0",
+ "instant",
  "libc",
  "redox_syscall",
  "smallvec 1.4.2",
@@ -1886,7 +2034,16 @@ version = "0.4.23"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "ca4433fff2ae79342e497d9f8ee990d174071408f28f726d6d83af93e58e48aa"
 dependencies = [
- "pin-project-internal",
+ "pin-project-internal 0.4.23",
+]
+
+[[package]]
+name = "pin-project"
+version = "1.0.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "ee41d838744f60d959d7074e3afb6b35c7456d0f61cad38a24e35e6553f73841"
+dependencies = [
+ "pin-project-internal 1.0.1",
 ]
 
 [[package]]
@@ -1895,9 +2052,20 @@ version = "0.4.23"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "2c0e815c3ee9a031fdf5af21c10aa17c573c9c6a566328d99e3936c34e36461f"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
+]
+
+[[package]]
+name = "pin-project-internal"
+version = "1.0.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "81a4ffa594b66bff340084d4081df649a7dc049ac8d7fc458d8e628bfbbb2f86"
+dependencies = [
+ "proc-macro2 1.0.24",
+ "quote 1.0.7",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -1962,9 +2130,9 @@ dependencies = [
 
 [[package]]
 name = "proc-macro2"
-version = "1.0.19"
+version = "1.0.24"
 source = "registry+https://github.com/rust-lang/crates.io-index"
-checksum = "04f5f085b5d71e2188cb8271e5da0161ad52c3f227a661a3c135fdf28e258b12"
+checksum = "1e0704ee1a7e00d7bb417d0770ea303c1bccbabf0ef1667dae92b5967f5f8a71"
 dependencies = [
  "unicode-xid 0.2.0",
 ]
@@ -1990,7 +2158,7 @@ version = "1.0.7"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "aa563d17ecb180e500da1cfd2b028310ac758de548efdd203e18f283af693f37"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
 ]
 
 [[package]]
@@ -2204,9 +2372,9 @@ version = "1.0.3"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "b9bdc5e856e51e685846fb6c13a1f5e5432946c2c90501bdc76a1319f19e29da"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -2255,9 +2423,9 @@ version = "0.10.4"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "b12bd20b94c7cdfda8c7ba9b92ad0d9a56e3fa018c25fca83b51aa664c9b4c0d"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -2350,9 +2518,9 @@ version = "1.0.117"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "cbd1ae72adb44aab48f325a02444a5fc079349a8d804c1fc922aed3f7454c74e"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -2426,6 +2594,15 @@ dependencies = [
  "opaque-debug 0.3.0",
 ]
 
+[[package]]
+name = "signal-hook-registry"
+version = "1.2.2"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "ce32ea0c6c56d5eacaeb814fbed9960547021d3edd010ded1425f180536b20ab"
+dependencies = [
+ "libc",
+]
+
 [[package]]
 name = "signature"
 version = "1.2.2"
@@ -2488,6 +2665,51 @@ dependencies = [
  "thiserror",
 ]
 
+[[package]]
+name = "solana-banks-client"
+version = "1.4.4"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "50f30acda71181312c1b4c90e29d5a851f46b682a13459532a8a770a0a9693f7"
+dependencies = [
+ "async-trait",
+ "bincode",
+ "futures 0.3.5",
+ "solana-banks-interface",
+ "solana-sdk",
+ "tarpc",
+ "tokio 0.3.2",
+ "tokio-serde",
+]
+
+[[package]]
+name = "solana-banks-interface"
+version = "1.4.4"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "9e184ad7f588ab856eb59239f0b97bb8293b9dc951d6d0361848b17b569c739f"
+dependencies = [
+ "serde",
+ "solana-sdk",
+ "tarpc",
+]
+
+[[package]]
+name = "solana-banks-server"
+version = "1.4.4"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "b3365d7f0fb021d56916b2a7ee41326a204abf3b72f8f342b51216a968d22939"
+dependencies = [
+ "bincode",
+ "futures 0.3.5",
+ "log",
+ "solana-banks-interface",
+ "solana-metrics",
+ "solana-runtime",
+ "solana-sdk",
+ "tarpc",
+ "tokio 0.3.2",
+ "tokio-serde",
+]
+
 [[package]]
 name = "solana-bpf-loader-program"
 version = "1.4.4"
@@ -2622,7 +2844,7 @@ dependencies = [
  "reqwest",
  "serde",
  "syn 0.15.44",
- "syn 1.0.41",
+ "syn 1.0.48",
  "tokio 0.1.22",
  "winapi 0.3.9",
 ]
@@ -2654,10 +2876,10 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "3c84e6316d0b71d60ff34d2cc1a25521f6cb605111590a61e9baa768ac1234d4"
 dependencies = [
  "lazy_static",
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
  "rustc_version",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -2751,6 +2973,25 @@ dependencies = [
  "thiserror",
 ]
 
+[[package]]
+name = "solana-program-test"
+version = "1.4.4"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "df0f3ca77a13f378ac7d5c12f91d09835b3091a4de4e061f6f49a8c3699933ec"
+dependencies = [
+ "base64 0.12.3",
+ "chrono",
+ "chrono-humanize",
+ "log",
+ "solana-banks-client",
+ "solana-banks-server",
+ "solana-bpf-loader-program",
+ "solana-logger",
+ "solana-program",
+ "solana-runtime",
+ "solana-sdk",
+]
+
 [[package]]
 name = "solana-rayon-threadlimit"
 version = "1.4.4"
@@ -2883,10 +3124,10 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "f8da0dcb182f9631a69b4d6de69f82f0aa8bf2350c666122b9fad99380547ccc"
 dependencies = [
  "bs58",
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
  "rustversion",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -3011,6 +3252,17 @@ version = "0.5.2"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "6e63cff320ae2c57904679ba7cb63280a3dc4613885beafb148ee7bf9aa9042d"
 
+[[package]]
+name = "spl-associated-token-account"
+version = "1.0.0"
+dependencies = [
+ "solana-program",
+ "solana-program-test",
+ "solana-sdk",
+ "spl-token 2.0.8",
+ "tokio 0.3.2",
+]
+
 [[package]]
 name = "spl-memo"
 version = "1.0.9"
@@ -3172,6 +3424,12 @@ version = "1.2.0"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "a8f112729512f8e442d81f95a8a7ddf2b7c6b8a1a6f509a95864142b30cab2d3"
 
+[[package]]
+name = "static_assertions"
+version = "1.1.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "a2eb9349b6444b326872e140eb1cf5e7c522154d69e7a0ffb0fb81c06b37543f"
+
 [[package]]
 name = "strsim"
 version = "0.8.0"
@@ -3209,11 +3467,11 @@ dependencies = [
 
 [[package]]
 name = "syn"
-version = "1.0.41"
+version = "1.0.48"
 source = "registry+https://github.com/rust-lang/crates.io-index"
-checksum = "6690e3e9f692504b941dc6c3b188fd28df054f7fb8469ab40680df52fdcc842b"
+checksum = "cc371affeffc477f42a221a1e4297aedcea33d47d19b61455588bd9d8f6b19ac"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
  "unicode-xid 0.2.0",
 ]
@@ -3224,9 +3482,9 @@ version = "0.12.4"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "b834f2d66f734cb897113e34aaff2f1ab4719ca946f9a7358dba8f8064148701"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
  "unicode-xid 0.2.0",
 ]
 
@@ -3242,6 +3500,38 @@ dependencies = [
  "xattr",
 ]
 
+[[package]]
+name = "tarpc"
+version = "0.23.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "1035e0e1b7064c1080702a8a5b3d044a3dea10a1096766be6f5c22580096fa75"
+dependencies = [
+ "anyhow",
+ "fnv",
+ "futures 0.3.5",
+ "humantime 2.0.1",
+ "log",
+ "pin-project 1.0.1",
+ "rand",
+ "serde",
+ "static_assertions",
+ "tarpc-plugins",
+ "tokio 0.3.2",
+ "tokio-serde",
+ "tokio-util 0.4.0",
+]
+
+[[package]]
+name = "tarpc-plugins"
+version = "0.8.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "edbaf92ceea0a2ab555bea18a47a891e46ba2d6f930ec9506771662f4ab82bb7"
+dependencies = [
+ "proc-macro2 1.0.24",
+ "quote 1.0.7",
+ "syn 1.0.48",
+]
+
 [[package]]
 name = "tempfile"
 version = "3.1.0"
@@ -3319,9 +3609,9 @@ version = "1.0.21"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "cae2447b6282786c3493999f40a9be2a6ad20cb8bd268b0a0dbf5a065535c0ab"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
 ]
 
 [[package]]
@@ -3372,8 +3662,8 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "5a09c0b5bb588872ab2f09afa13ee6e9dac11e10a0ec9e8e3ba39a5a5d530af6"
 dependencies = [
  "bytes 0.4.12",
- "futures",
- "mio",
+ "futures 0.1.29",
+ "mio 0.6.22",
  "num_cpus",
  "tokio-codec",
  "tokio-current-thread",
@@ -3401,12 +3691,34 @@ dependencies = [
  "iovec",
  "lazy_static",
  "memchr",
- "mio",
+ "mio 0.6.22",
  "num_cpus",
  "pin-project-lite",
  "slab",
 ]
 
+[[package]]
+name = "tokio"
+version = "0.3.2"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "71f1b20504fd0aa9dab3ae17e8c4dd9431e5e08fd6921689f9745a4004883a17"
+dependencies = [
+ "bytes 0.6.0",
+ "fnv",
+ "futures-core",
+ "lazy_static",
+ "libc",
+ "memchr",
+ "mio 0.7.5",
+ "num_cpus",
+ "parking_lot 0.11.0",
+ "pin-project-lite",
+ "signal-hook-registry",
+ "slab",
+ "tokio-macros",
+ "winapi 0.3.9",
+]
+
 [[package]]
 name = "tokio-codec"
 version = "0.1.2"
@@ -3414,7 +3726,7 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "25b2998660ba0e70d18684de5d06b70b70a3a747469af9dea7618cc59e75976b"
 dependencies = [
  "bytes 0.4.12",
- "futures",
+ "futures 0.1.29",
  "tokio-io",
 ]
 
@@ -3424,7 +3736,7 @@ version = "0.1.7"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "b1de0e32a83f131e002238d7ccde18211c0a5397f60cbfffcb112868c2e0e20e"
 dependencies = [
- "futures",
+ "futures 0.1.29",
  "tokio-executor",
 ]
 
@@ -3435,7 +3747,7 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "fb2d1b8f4548dbf5e1f7818512e9c406860678f29c300cdf0ebac72d1a3a1671"
 dependencies = [
  "crossbeam-utils 0.7.2",
- "futures",
+ "futures 0.1.29",
 ]
 
 [[package]]
@@ -3444,7 +3756,7 @@ version = "0.1.7"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "297a1206e0ca6302a0eed35b700d292b275256f596e2f3fea7729d5e629b6ff4"
 dependencies = [
- "futures",
+ "futures 0.1.29",
  "tokio-io",
  "tokio-threadpool",
 ]
@@ -3456,10 +3768,21 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "57fc868aae093479e3131e3d165c93b1c7474109d13c90ec0dda2a1bbfff0674"
 dependencies = [
  "bytes 0.4.12",
- "futures",
+ "futures 0.1.29",
  "log",
 ]
 
+[[package]]
+name = "tokio-macros"
+version = "0.3.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "21d30fdbb5dc2d8f91049691aa1a9d4d4ae422a21c334ce8936e5886d30c5c45"
+dependencies = [
+ "proc-macro2 1.0.24",
+ "quote 1.0.7",
+ "syn 1.0.48",
+]
+
 [[package]]
 name = "tokio-reactor"
 version = "0.1.12"
@@ -3467,10 +3790,10 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "09bc590ec4ba8ba87652da2068d150dcada2cfa2e07faae270a5e0409aa51351"
 dependencies = [
  "crossbeam-utils 0.7.2",
- "futures",
+ "futures 0.1.29",
  "lazy_static",
  "log",
- "mio",
+ "mio 0.6.22",
  "num_cpus",
  "parking_lot 0.9.0",
  "slab",
@@ -3491,6 +3814,20 @@ dependencies = [
  "webpki",
 ]
 
+[[package]]
+name = "tokio-serde"
+version = "0.6.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "ebdd897b01021779294eb09bb3b52b6e11b0747f9f7e333a84bef532b656de99"
+dependencies = [
+ "bincode",
+ "bytes 0.5.6",
+ "derivative",
+ "futures 0.3.5",
+ "pin-project 0.4.23",
+ "serde",
+]
+
 [[package]]
 name = "tokio-sync"
 version = "0.1.8"
@@ -3498,7 +3835,7 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "edfe50152bc8164fcc456dab7891fa9bf8beaf01c5ee7e1dd43a397c3cf87dee"
 dependencies = [
  "fnv",
- "futures",
+ "futures 0.1.29",
 ]
 
 [[package]]
@@ -3508,9 +3845,9 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "98df18ed66e3b72e742f185882a9e201892407957e45fbff8da17ae7a7c51f72"
 dependencies = [
  "bytes 0.4.12",
- "futures",
+ "futures 0.1.29",
  "iovec",
- "mio",
+ "mio 0.6.22",
  "tokio-io",
  "tokio-reactor",
 ]
@@ -3524,7 +3861,7 @@ dependencies = [
  "crossbeam-deque 0.7.3",
  "crossbeam-queue",
  "crossbeam-utils 0.7.2",
- "futures",
+ "futures 0.1.29",
  "lazy_static",
  "log",
  "num_cpus",
@@ -3539,7 +3876,7 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "93044f2d313c95ff1cb7809ce9a7a05735b012288a888b62d4434fd58c94f296"
 dependencies = [
  "crossbeam-utils 0.7.2",
- "futures",
+ "futures 0.1.29",
  "slab",
  "tokio-executor",
 ]
@@ -3551,9 +3888,9 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "e2a0b10e610b39c38b031a2fcab08e4b82f16ece36504988dcbd81dbba650d82"
 dependencies = [
  "bytes 0.4.12",
- "futures",
+ "futures 0.1.29",
  "log",
- "mio",
+ "mio 0.6.22",
  "tokio-codec",
  "tokio-io",
  "tokio-reactor",
@@ -3566,11 +3903,11 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "ab57a4ac4111c8c9dbcf70779f6fc8bc35ae4b2454809febac840ad19bd7e4e0"
 dependencies = [
  "bytes 0.4.12",
- "futures",
+ "futures 0.1.29",
  "iovec",
  "libc",
  "log",
- "mio",
+ "mio 0.6.22",
  "mio-uds",
  "tokio-codec",
  "tokio-io",
@@ -3591,6 +3928,20 @@ dependencies = [
  "tokio 0.2.22",
 ]
 
+[[package]]
+name = "tokio-util"
+version = "0.4.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "24793699f4665ba0416ed287dc794fe6b11a4aa5e4e95b58624f45f6c46b97d4"
+dependencies = [
+ "bytes 0.5.6",
+ "futures-core",
+ "futures-sink",
+ "log",
+ "pin-project-lite",
+ "tokio 0.3.2",
+]
+
 [[package]]
 name = "toml"
 version = "0.5.6"
@@ -3810,9 +4161,9 @@ dependencies = [
  "bumpalo",
  "lazy_static",
  "log",
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
  "wasm-bindgen-shared",
 ]
 
@@ -3844,9 +4195,9 @@ version = "0.2.67"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "841a6d1c35c6f596ccea1f82504a192a60378f64b3bb0261904ad8f2f5657556"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
  "wasm-bindgen-backend",
  "wasm-bindgen-shared",
 ]
@@ -3981,9 +4332,9 @@ version = "1.0.0"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "de251eec69fc7c1bc3923403d18ececb929380e016afe103da75f396704f8ca2"
 dependencies = [
- "proc-macro2 1.0.19",
+ "proc-macro2 1.0.24",
  "quote 1.0.7",
- "syn 1.0.41",
+ "syn 1.0.48",
  "synstructure",
 ]
 
diff --git a/Cargo.toml b/Cargo.toml
index 417ceb28..cb79d890 100644
--- a/Cargo.toml
+++ b/Cargo.toml
@@ -1,5 +1,6 @@
 [workspace]
 members = [
+  "associated-token-account/program",
   "memo/program",
   "shared-memory/program",
   "stake-pool/program",
diff --git a/associated-token-account/program/Cargo.toml b/associated-token-account/program/Cargo.toml
new file mode 100644
index 00000000..0730dcc9
--- /dev/null
+++ b/associated-token-account/program/Cargo.toml
@@ -0,0 +1,23 @@
+[package]
+name = "spl-associated-token-account"
+version = "1.0.0"
+description = "SPL Associated Token Account"
+authors = ["Solana Maintainers <maintainers@solana.foundation>"]
+repository = "https://github.com/solana-labs/solana-program-library"
+license = "Apache-2.0"
+edition = "2018"
+
+[features]
+exclude_entrypoint = []
+
+[dependencies]
+solana-program = "1.4.4"
+spl-token = { path = "../../token/program", features = ["exclude_entrypoint"] }
+
+[dev-dependencies]
+solana-program-test = "1.4.4"
+solana-sdk = "1.4.4"
+tokio = { version = "0.3", features = ["macros"]}
+
+[lib]
+crate-type = ["cdylib", "lib"]
diff --git a/associated-token-account/program/Xargo.toml b/associated-token-account/program/Xargo.toml
new file mode 100644
index 00000000..1744f098
--- /dev/null
+++ b/associated-token-account/program/Xargo.toml
@@ -0,0 +1,2 @@
+[target.bpfel-unknown-unknown.dependencies.std]
+features = []
\ No newline at end of file
diff --git a/associated-token-account/program/build.rs b/associated-token-account/program/build.rs
new file mode 100644
index 00000000..c162da37
--- /dev/null
+++ b/associated-token-account/program/build.rs
@@ -0,0 +1,21 @@
+use std::process::{exit, Command};
+
+fn main() {
+    if std::env::var("XARGO").is_err()
+        && std::env::var("RUSTC_WRAPPER").is_err()
+        && std::env::var("RUSTC_WORKSPACE_WRAPPER").is_err()
+    {
+        println!(
+            "cargo:warning=(not a warning) Building BPF {} program",
+            std::env::var("CARGO_PKG_NAME").unwrap()
+        );
+        if !Command::new("cargo")
+            .arg("build-bpf")
+            .status()
+            .expect("Failed to build bpf")
+            .success()
+        {
+            exit(1);
+        }
+    }
+}
diff --git a/associated-token-account/program/run-tests.sh b/associated-token-account/program/run-tests.sh
new file mode 100755
index 00000000..37b58a97
--- /dev/null
+++ b/associated-token-account/program/run-tests.sh
@@ -0,0 +1,15 @@
+#!/usr/bin/env bash
+
+set -ex
+cd "$(dirname "$0")"
+cargo clippy
+cargo build
+cargo build-bpf
+
+if [[ $1 = -v ]]; then
+  export RUST_LOG=solana=debug
+fi
+
+bpf=1 cargo test
+# TODO: bpf=0 not supported until native CPI rework in the monorepo completes
+#bpf=0 cargo test
diff --git a/associated-token-account/program/src/entrypoint.rs b/associated-token-account/program/src/entrypoint.rs
new file mode 100644
index 00000000..eb1eeb6a
--- /dev/null
+++ b/associated-token-account/program/src/entrypoint.rs
@@ -0,0 +1,16 @@
+//! Program entrypoint
+
+#![cfg(all(target_arch = "bpf", not(feature = "exclude_entrypoint")))]
+
+use solana_program::{
+    account_info::AccountInfo, entrypoint, entrypoint::ProgramResult, pubkey::Pubkey,
+};
+
+entrypoint!(process_instruction);
+fn process_instruction(
+    program_id: &Pubkey,
+    accounts: &[AccountInfo],
+    instruction_data: &[u8],
+) -> ProgramResult {
+    crate::processor::process_instruction(program_id, accounts, instruction_data)
+}
diff --git a/associated-token-account/program/src/lib.rs b/associated-token-account/program/src/lib.rs
new file mode 100644
index 00000000..ce67c738
--- /dev/null
+++ b/associated-token-account/program/src/lib.rs
@@ -0,0 +1,75 @@
+//! Convention for associating token accounts with a primary account (such as a user wallet)
+#![deny(missing_docs)]
+#![forbid(unsafe_code)]
+
+mod entrypoint;
+pub mod processor;
+
+// Export current sdk types for downstream users building with a different sdk version
+pub use solana_program;
+use solana_program::{
+    instruction::{AccountMeta, Instruction},
+    program_pack::Pack,
+    pubkey::Pubkey,
+    sysvar,
+};
+
+solana_program::declare_id!("3medvrcM8s3UnkoYqqV3RAURii1ysuT5oD7t8nmfgJmj");
+
+pub(crate) fn get_associated_token_address_and_bump_seed(
+    wallet_address: &Pubkey,
+    spl_token_mint_address: &Pubkey,
+    program_id: &Pubkey,
+) -> (Pubkey, u8) {
+    Pubkey::find_program_address(
+        &[
+            &wallet_address.to_bytes(),
+            &spl_token::id().to_bytes(),
+            &spl_token_mint_address.to_bytes(),
+        ],
+        program_id,
+    )
+}
+
+/// Derives the associated SPL token address for the given wallet address and SPL Token mint
+pub fn get_associated_token_address(
+    wallet_address: &Pubkey,
+    spl_token_mint_address: &Pubkey,
+) -> Pubkey {
+    get_associated_token_address_and_bump_seed(&wallet_address, &spl_token_mint_address, &id()).0
+}
+
+/// Create an associated token account for a wallet address
+///
+/// Accounts expected by this instruction:
+///
+///   0. `[writeable,signer]` Funding account (must be a system account)
+///   1. `[writeable]` Associated token account address
+///   2. `[]` Wallet address for the new associated token account
+///   3. `[]` The SPL token mint for the associated token account
+///   4. `[]` System program
+///   4. `[]` SPL Token program
+///   5. `[]` Rent sysvar
+///
+pub fn create_associated_token_account(
+    funding_address: &Pubkey,
+    wallet_address: &Pubkey,
+    spl_token_mint_address: &Pubkey,
+) -> Instruction {
+    let associated_account_address =
+        get_associated_token_address(wallet_address, spl_token_mint_address);
+
+    Instruction {
+        program_id: id(),
+        accounts: vec![
+            AccountMeta::new(*funding_address, true),
+            AccountMeta::new(associated_account_address, false),
+            AccountMeta::new_readonly(*wallet_address, false),
+            AccountMeta::new_readonly(*spl_token_mint_address, false),
+            AccountMeta::new_readonly(solana_program::system_program::id(), false),
+            AccountMeta::new_readonly(spl_token::id(), false),
+            AccountMeta::new_readonly(sysvar::rent::id(), false),
+        ],
+        data: vec![],
+    }
+}
diff --git a/associated-token-account/program/src/processor.rs b/associated-token-account/program/src/processor.rs
new file mode 100644
index 00000000..aebb5999
--- /dev/null
+++ b/associated-token-account/program/src/processor.rs
@@ -0,0 +1,113 @@
+//! Program state processor
+
+use crate::*;
+use solana_program::{
+    account_info::{next_account_info, AccountInfo},
+    entrypoint::ProgramResult,
+    info,
+    log::sol_log_compute_units,
+    program::{invoke, invoke_signed},
+    program_error::ProgramError,
+    pubkey::Pubkey,
+    rent::Rent,
+    system_instruction,
+    sysvar::Sysvar,
+};
+
+/// Instruction processor
+pub fn process_instruction(
+    program_id: &Pubkey,
+    accounts: &[AccountInfo],
+    _input: &[u8],
+) -> ProgramResult {
+    let account_info_iter = &mut accounts.iter();
+
+    let funder_info = next_account_info(account_info_iter)?;
+    let associated_token_account_info = next_account_info(account_info_iter)?;
+    let wallet_account_info = next_account_info(account_info_iter)?;
+    let spl_token_mint_info = next_account_info(account_info_iter)?;
+    let system_program_info = next_account_info(account_info_iter)?;
+    let spl_token_program_info = next_account_info(account_info_iter)?;
+    let rent_sysvar_info = next_account_info(account_info_iter)?;
+
+    let (associated_token_address, bump_seed) = get_associated_token_address_and_bump_seed(
+        &wallet_account_info.key,
+        &spl_token_mint_info.key,
+        program_id,
+    );
+    if associated_token_address != *associated_token_account_info.key {
+        info!("Error: Associated address does not match seed derivation");
+        return Err(ProgramError::InvalidSeeds);
+    }
+
+    let associated_token_account_signer_seeds: &[&[_]] = &[
+        &wallet_account_info.key.to_bytes(),
+        &spl_token::id().to_bytes(),
+        &spl_token_mint_info.key.to_bytes(),
+        &[bump_seed],
+    ];
+
+    sol_log_compute_units();
+
+    // Fund the associated token account with the minimum balance to be rent exempt
+    let rent = &Rent::from_account_info(rent_sysvar_info)?;
+    let required_lamports = rent
+        .minimum_balance(spl_token::state::Account::LEN)
+        .max(1)
+        .saturating_sub(associated_token_account_info.lamports());
+
+    if required_lamports > 0 {
+        invoke(
+            &system_instruction::transfer(
+                &funder_info.key,
+                associated_token_account_info.key,
+                required_lamports,
+            ),
+            &[
+                funder_info.clone(),
+                associated_token_account_info.clone(),
+                system_program_info.clone(),
+            ],
+        )?;
+    }
+
+    // Allocate space for the associated token account
+    invoke_signed(
+        &system_instruction::allocate(
+            associated_token_account_info.key,
+            spl_token::state::Account::LEN as u64,
+        ),
+        &[
+            associated_token_account_info.clone(),
+            system_program_info.clone(),
+        ],
+        &[&associated_token_account_signer_seeds],
+    )?;
+
+    // Assign the associated token account to the SPL Token program
+    invoke_signed(
+        &system_instruction::assign(associated_token_account_info.key, &spl_token::id()),
+        &[
+            associated_token_account_info.clone(),
+            system_program_info.clone(),
+        ],
+        &[&associated_token_account_signer_seeds],
+    )?;
+
+    // Initialize the associated token account
+    invoke(
+        &spl_token::instruction::initialize_account(
+            &spl_token::id(),
+            associated_token_account_info.key,
+            spl_token_mint_info.key,
+            wallet_account_info.key,
+        )?,
+        &[
+            associated_token_account_info.clone(),
+            spl_token_mint_info.clone(),
+            wallet_account_info.clone(),
+            rent_sysvar_info.clone(),
+            spl_token_program_info.clone(),
+        ],
+    )
+}
diff --git a/associated-token-account/program/tests/fixtures/token-mint-data.bin b/associated-token-account/program/tests/fixtures/token-mint-data.bin
new file mode 100644
index 00000000..4a48512c
Binary files /dev/null and b/associated-token-account/program/tests/fixtures/token-mint-data.bin differ
diff --git a/associated-token-account/program/tests/functional.rs b/associated-token-account/program/tests/functional.rs
new file mode 100644
index 00000000..15a37c0c
--- /dev/null
+++ b/associated-token-account/program/tests/functional.rs
@@ -0,0 +1,251 @@
+use solana_program::{
+    instruction::*, program_pack::Pack, pubkey::Pubkey, system_instruction, sysvar::rent::Rent,
+};
+use solana_program_test::*;
+use solana_sdk::{
+    signature::Signer,
+    transaction::{Transaction, TransactionError},
+};
+use spl_associated_token_account::*;
+
+fn program_test(token_mint_address: Pubkey) -> ProgramTest {
+    let mut pc = ProgramTest::new(
+        "spl_associated_token_account",
+        id(),
+        // TODO: BPF only until native CPI rework in the monorepo completes
+        None, //processor!(processor::process_instruction),
+    );
+
+    // Add Token program
+    pc.add_program(
+        "spl_token",
+        spl_token::id(),
+        processor!(spl_token::processor::Processor::process),
+    );
+
+    // Add a token mint account
+    //
+    // The account data was generated by running:
+    //      $ solana account EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v \
+    //                       --output-file tests/fixtures/token-mint-data.bin
+    //
+    pc.add_account_with_file_data(
+        token_mint_address,
+        1461600,
+        spl_token::id(),
+        "token-mint-data.bin",
+    );
+
+    // Dial down the BPF compute budget to detect if the program gets bloated in the future
+    pc.set_bpf_compute_max_units(50_000);
+
+    pc
+}
+
+#[tokio::test]
+async fn test_associated_token_address() {
+    let wallet_address = Pubkey::new_unique();
+    let token_mint_address = Pubkey::new_unique();
+    let associated_token_address =
+        get_associated_token_address(&wallet_address, &token_mint_address);
+
+    let (mut banks_client, payer, recent_blockhash) =
+        program_test(token_mint_address).start().await;
+    let rent = Rent::default(); // <-- TODO: get Rent from `ProgramTest`
+    let expected_token_account_balance = rent.minimum_balance(spl_token::state::Account::LEN);
+
+    // Associated account does not exist
+    assert_eq!(
+        banks_client
+            .get_account(associated_token_address)
+            .await
+            .expect("get_account"),
+        None,
+    );
+
+    let mut transaction = Transaction::new_with_payer(
+        &[create_associated_token_account(
+            &payer.pubkey(),
+            &wallet_address,
+            &token_mint_address,
+        )],
+        Some(&payer.pubkey()),
+    );
+    transaction.sign(&[&payer], recent_blockhash);
+    banks_client.process_transaction(transaction).await.unwrap();
+
+    // Associated account now exists
+    let associated_account = banks_client
+        .get_account(associated_token_address)
+        .await
+        .expect("get_account")
+        .expect("associated_account not none");
+    assert_eq!(
+        associated_account.data.len(),
+        spl_token::state::Account::LEN
+    );
+    assert_eq!(associated_account.owner, spl_token::id());
+    assert_eq!(associated_account.lamports, expected_token_account_balance);
+}
+
+#[tokio::test]
+async fn test_create_with_a_lamport() {
+    let wallet_address = Pubkey::new_unique();
+    let token_mint_address = Pubkey::new_unique();
+    let associated_token_address =
+        get_associated_token_address(&wallet_address, &token_mint_address);
+
+    let (mut banks_client, payer, recent_blockhash) =
+        program_test(token_mint_address).start().await;
+    let rent = Rent::default(); // <-- TOOD: get Rent from `ProgramTest`
+    let expected_token_account_balance = rent.minimum_balance(spl_token::state::Account::LEN);
+
+    // Transfer 1 lamport into `associated_token_address` before creating it
+    let mut transaction = Transaction::new_with_payer(
+        &[system_instruction::transfer(
+            &payer.pubkey(),
+            &associated_token_address,
+            1,
+        )],
+        Some(&payer.pubkey()),
+    );
+    transaction.sign(&[&payer], recent_blockhash);
+    banks_client.process_transaction(transaction).await.unwrap();
+
+    assert_eq!(
+        banks_client
+            .get_balance(associated_token_address)
+            .await
+            .unwrap(),
+        1
+    );
+
+    // Check that the program adds the extra lamports
+    let mut transaction = Transaction::new_with_payer(
+        &[create_associated_token_account(
+            &payer.pubkey(),
+            &wallet_address,
+            &token_mint_address,
+        )],
+        Some(&payer.pubkey()),
+    );
+    transaction.sign(&[&payer], recent_blockhash);
+    banks_client.process_transaction(transaction).await.unwrap();
+
+    assert_eq!(
+        banks_client
+            .get_balance(associated_token_address)
+            .await
+            .unwrap(),
+        expected_token_account_balance,
+    );
+}
+
+#[tokio::test]
+async fn test_create_with_excess_lamports() {
+    let wallet_address = Pubkey::new_unique();
+    let token_mint_address = Pubkey::new_unique();
+    let associated_token_address =
+        get_associated_token_address(&wallet_address, &token_mint_address);
+
+    let (mut banks_client, payer, recent_blockhash) =
+        program_test(token_mint_address).start().await;
+    let rent = Rent::default(); // <-- TOOD: get Rent from `ProgramTest`
+    let expected_token_account_balance = rent.minimum_balance(spl_token::state::Account::LEN);
+
+    // Transfer 1 lamport into `associated_token_address` before creating it
+    let mut transaction = Transaction::new_with_payer(
+        &[system_instruction::transfer(
+            &payer.pubkey(),
+            &associated_token_address,
+            expected_token_account_balance + 1,
+        )],
+        Some(&payer.pubkey()),
+    );
+    transaction.sign(&[&payer], recent_blockhash);
+    banks_client.process_transaction(transaction).await.unwrap();
+
+    assert_eq!(
+        banks_client
+            .get_balance(associated_token_address)
+            .await
+            .unwrap(),
+        expected_token_account_balance + 1
+    );
+
+    // Check that the program doesn't add any lamports
+    let mut transaction = Transaction::new_with_payer(
+        &[create_associated_token_account(
+            &payer.pubkey(),
+            &wallet_address,
+            &token_mint_address,
+        )],
+        Some(&payer.pubkey()),
+    );
+    transaction.sign(&[&payer], recent_blockhash);
+    banks_client.process_transaction(transaction).await.unwrap();
+
+    assert_eq!(
+        banks_client
+            .get_balance(associated_token_address)
+            .await
+            .unwrap(),
+        expected_token_account_balance + 1
+    );
+}
+
+#[tokio::test]
+async fn test_create_account_mismatch() {
+    let wallet_address = Pubkey::new_unique();
+    let token_mint_address = Pubkey::new_unique();
+    let _associated_token_address =
+        get_associated_token_address(&wallet_address, &token_mint_address);
+
+    let (mut banks_client, payer, recent_blockhash) =
+        program_test(token_mint_address).start().await;
+
+    let mut instruction =
+        create_associated_token_account(&payer.pubkey(), &wallet_address, &token_mint_address);
+    instruction.accounts[1] = AccountMeta::new(Pubkey::default(), false); // <-- Invalid associated_account_address
+
+    let mut transaction = Transaction::new_with_payer(&[instruction], Some(&payer.pubkey()));
+    transaction.sign(&[&payer], recent_blockhash);
+    assert_eq!(
+        banks_client
+            .process_transaction(transaction)
+            .await
+            .unwrap_err()
+            .unwrap(),
+        TransactionError::InstructionError(0, InstructionError::InvalidSeeds)
+    );
+
+    let mut instruction =
+        create_associated_token_account(&payer.pubkey(), &wallet_address, &token_mint_address);
+    instruction.accounts[2] = AccountMeta::new(Pubkey::default(), false); // <-- Invalid wallet_address
+
+    let mut transaction = Transaction::new_with_payer(&[instruction], Some(&payer.pubkey()));
+    transaction.sign(&[&payer], recent_blockhash);
+    assert_eq!(
+        banks_client
+            .process_transaction(transaction)
+            .await
+            .unwrap_err()
+            .unwrap(),
+        TransactionError::InstructionError(0, InstructionError::InvalidSeeds)
+    );
+
+    let mut instruction =
+        create_associated_token_account(&payer.pubkey(), &wallet_address, &token_mint_address);
+    instruction.accounts[3] = AccountMeta::new(Pubkey::default(), false); // <-- Invalid token_mint_address
+
+    let mut transaction = Transaction::new_with_payer(&[instruction], Some(&payer.pubkey()));
+    transaction.sign(&[&payer], recent_blockhash);
+    assert_eq!(
+        banks_client
+            .process_transaction(transaction)
+            .await
+            .unwrap_err()
+            .unwrap(),
+        TransactionError::InstructionError(0, InstructionError::InvalidSeeds)
+    );
+}