diff --git a/docs/architecture/README.md b/docs/architecture/README.md
index e327a5b64..737217bb2 100644
--- a/docs/architecture/README.md
+++ b/docs/architecture/README.md
@@ -45,3 +45,4 @@ Please add a entry below in your Pull Request for an ADR.
 - [ADR 017: Historical Header Module](./adr-017-historical-header-module.md)
 - [ADR 018: Extendable Voting Periods](./adr-018-extendable-voting-period.md)
 - [ADR 019: Protocol Buffer State Encoding](./adr-019-protobuf-state-encoding.md)
+- [ADR 020: Protocol Buffer Transaction Encoding](./adr-020-protobuf-transaction-encoding.md)
diff --git a/docs/architecture/adr-019-protobuf-state-encoding.md b/docs/architecture/adr-019-protobuf-state-encoding.md
index d09052866..78a338ccc 100644
--- a/docs/architecture/adr-019-protobuf-state-encoding.md
+++ b/docs/architecture/adr-019-protobuf-state-encoding.md
@@ -309,8 +309,6 @@ at the application-level.
 
 ### Neutral
 
-{neutral consequences}
-
 ## References
 
 1. https://github.com/cosmos/cosmos-sdk/issues/4977
diff --git a/docs/architecture/adr-020-protobuf-transaction-encoding.md b/docs/architecture/adr-020-protobuf-transaction-encoding.md
new file mode 100644
index 000000000..39d3b1421
--- /dev/null
+++ b/docs/architecture/adr-020-protobuf-transaction-encoding.md
@@ -0,0 +1,182 @@
+# ADR 020: Protocol Buffer Transaction Encoding
+
+## Changelog
+
+- 2020 March 06: Initial Draft
+
+## Status
+
+Proposed
+
+## Context
+
+This ADR is a continuation of the motivation, design, and context established in
+[ADR 019](./adr-019-protobuf-state-encoding.md), namely, we aim to design the
+Protocol Buffer migration path for the client-side of the Cosmos SDK.
+
+Specifically, the client-side migration path primarily includes tx generation and
+signing, message construction and routing, in addition to CLI & REST handlers and
+business logic (i.e. queriers).
+
+With this in mind, we will tackle the migration path via two main areas, txs and
+querying. However, this ADR solely focuses on transactions. Querying should be
+addressed in a future ADR, but it should build off of these proposals.
+
+## Decision
+
+### Transactions
+
+Since the messages that an application is known and allowed to handle are specific
+to the application itself, so must the transactions be specific to the application
+itself. Similar to how we described in [ADR 019](./adr-019-protobuf-state-encoding.md),
+the concrete types will be defined at the application level via Protobuf `oneof`.
+
+The application will define a single canonical `Message` Protobuf message
+with a single `oneof` that implements the SDK's `Msg` interface.
+
+Example:
+
+```protobuf
+// app/codec/codec.proto
+
+message Message {
+  option (cosmos_proto.interface_type) = "github.com/cosmos/cosmos-sdk/types.Msg";
+
+  oneof sum {
+    bank.MsgSend = 1;
+    staking.MsgCreateValidator = 2;
+    staking.MsgDelegate = 3;
+    // ...
+  }
+}
+```
+
+Because an application needs to define it's unique `Message` Protobuf message, it
+will by proxy have to define a `Transaction` Protobuf message that encapsulates this
+`Message` type. The `Transaction` message type must implement the SDK's `Tx` interface.
+
+Example:
+
+```protobuf
+// app/codec/codec.proto
+
+message Transaction {
+  option (cosmos_proto.interface_type) = "github.com/cosmos/cosmos-sdk/types.Tx";
+
+  StdTxBase base = 1;
+  repeated Message msgs = 2;
+}
+```
+
+Note, the `Transaction` type includes `StdTxBase` which will be defined by the SDK
+and includes all the core field members that are common across all transaction types.
+Developers do not have to include `StdTxBase` if they wish, so it is meant to be
+used as an auxiliary type.
+
+### Signing
+
+Signing of a `Transaction` must be canonical across clients and binaries. In order
+to provide canonical representation of a `Transaction` to sign over, clients must
+obey the following rules:
+
+- Encode `SignDoc` (see below) via [Protobuf's canonical JSON encoding](https://developers.google.com/protocol-buffers/docs/proto3#json).
+  - Default and zero values must be stripped from the output (`0`, `“”`, `null`, `false`, `[]`, and `{}`).
+- Generate canonical JSON to sign via the [JSON Canonical Form Spec](https://gibson042.github.io/canonicaljson-spec/).
+  - This spec should be trivial to interpret and implement in any language.
+
+```Protobuf
+// app/codec/codec.proto
+
+message SignDoc {
+  StdSignDocBase base = 1;
+  repeated Message msgs = 2;
+}
+```
+
+### CLI & REST
+
+Currently, the REST and CLI handlers encode and decode types and txs via Amino
+JSON encoding using a concrete Amino codec. Being that some of the types dealt with
+in the client can be interfaces, similar to how we described in [ADR 019](./adr-019-protobuf-state-encoding.md),
+the client logic will now need to take a codec interface that knows not only how
+to handle all the types, but also knows how to generate transactions, signatures,
+and messages.
+
+```go
+type TxGenerator interface {
+  NewTx() ClientTx
+  SignBytes func(chainID string, num, seq uint64, fee StdFee, msgs []sdk.Msg, memo string) ([]byte, error)
+}
+
+type ClientTx interface {
+  sdk.Tx
+  codec.ProtoMarshaler
+
+  SetMsgs(...sdk.Msg) error
+  GetSignatures() []StdSignature
+  SetSignatures(...StdSignature) error
+  GetFee() StdFee
+  SetFee(StdFee)
+  GetMemo() string
+  SetMemo(string)
+}
+```
+
+We then extend `codec.Marshaler` to also require fulfillment of `TxGenerator`.
+
+```go
+type ClientMarshaler interface {
+  TxGenerator
+  codec.Marshaler
+}
+```
+
+Then, each module will at the minimum accept a `ClientMarshaler` instead of a concrete
+Amino codec. If the module needs to work with any interface types, it will use
+the `Codec` interface defined by the module which also extends `ClientMarshaler`.
+
+## Future Improvements
+
+Requiring application developers to have to redefine their `Message` Protobuf types
+can be extremely tedious and may increase the surface area of bugs by potentially
+missing one or more messages in the `oneof`.
+
+To circumvent this, an optional strategy can be taken that has each module define
+it's own `oneof` and then the application-level `Message` simply imports each module's
+`oneof`. However, this requires additional tooling and the use of reflection.
+
+Example:
+
+```protobuf
+// app/codec/codec.proto
+
+message Message {
+  option (cosmos_proto.interface_type) = "github.com/cosmos/cosmos-sdk/types.Msg";
+
+  oneof sum {
+    bank.Msg = 1;
+    staking.Msg = 2;
+    // ...
+  }
+}
+```
+
+## Consequences
+
+### Positive
+
+- Significant performance gains.
+- Supports backward and forward type compatibility.
+- Better support for cross-language clients.
+
+### Negative
+
+- Learning curve required to understand and implement Protobuf messages.
+- Less flexibility in cross-module type registration. We now need to define types
+at the application-level.
+- Client business logic and tx generation become a bit more complex as developers
+have to define more types and implement more interfaces.
+
+### Neutral
+
+## References