diff --git a/examples/basecoin/x/cool/commands/cooltx.go b/examples/basecoin/x/cool/commands/cooltx.go
index 8a8452a00..e1f1b866f 100644
--- a/examples/basecoin/x/cool/commands/cooltx.go
+++ b/examples/basecoin/x/cool/commands/cooltx.go
@@ -12,40 +12,64 @@ import (
 	"github.com/cosmos/cosmos-sdk/examples/basecoin/x/cool"
 )
 
-// SendTxCommand will create a send tx and sign it with the given key
+// what cool trasaction
 func WhatCoolTxCmd(cdc *wire.Codec) *cobra.Command {
-	cmdr := commander{cdc}
 	return &cobra.Command{
 		Use:   "whatcool [answer]",
 		Short: "What's cooler than being cool?",
-		RunE:  cmdr.whatCoolTxCmd,
+		RunE: func(cmd *cobra.Command, args []string) error {
+			if len(args) != 1 || len(args[0]) == 0 {
+				return errors.New("You must provide an answer")
+			}
+
+			// get the from address from the name flag
+			from, err := builder.GetFromAddress()
+			if err != nil {
+				return err
+			}
+
+			// create the message
+			msg := cool.NewWhatCoolMsg(from, args[0])
+
+			// build and sign the transaction, then broadcast to Tendermint
+			res, err := builder.SignBuildBroadcast(msg, cdc)
+			if err != nil {
+				return err
+			}
+
+			fmt.Printf("Committed at block %d. Hash: %s\n", res.Height, res.Hash.String())
+			return nil
+		},
 	}
 }
 
-type commander struct {
-	cdc *wire.Codec
-}
-
-func (c commander) whatCoolTxCmd(cmd *cobra.Command, args []string) error {
-	if len(args) != 1 || len(args[0]) == 0 {
-		return errors.New("You must provide an answer")
-	}
-
-	// get the from address from the name flag
-	from, err := builder.GetFromAddress()
-	if err != nil {
-		return err
-	}
-
-	// create the message
-	msg := cool.NewWhatCoolMsg(from, args[0])
-
-	// build and sign the transaction, then broadcast to Tendermint
-	res, err := builder.SignBuildBroadcast(msg, c.cdc)
-	if err != nil {
-		return err
-	}
-
-	fmt.Printf("Committed at block %d. Hash: %s\n", res.Height, res.Hash.String())
-	return nil
+// set what cool trasaction
+func SetWhatCoolTxCmd(cdc *wire.Codec) *cobra.Command {
+	return &cobra.Command{
+		Use:   "setwhatcool [answer]",
+		Short: "You're so cool, tell us what is cool!",
+		RunE: func(cmd *cobra.Command, args []string) error {
+			if len(args) != 1 || len(args[0]) == 0 {
+				return errors.New("You must provide an answer")
+			}
+
+			// get the from address from the name flag
+			from, err := builder.GetFromAddress()
+			if err != nil {
+				return err
+			}
+
+			// create the message
+			msg := cool.NewSetWhatCoolMsg(from, args[0])
+
+			// build and sign the transaction, then broadcast to Tendermint
+			res, err := builder.SignBuildBroadcast(msg, cdc)
+			if err != nil {
+				return err
+			}
+
+			fmt.Printf("Committed at block %d. Hash: %s\n", res.Height, res.Hash.String())
+			return nil
+		},
+	}
 }
diff --git a/x/bank/commands/sendtx.go b/x/bank/commands/sendtx.go
index 8d0c0be6e..e74361231 100644
--- a/x/bank/commands/sendtx.go
+++ b/x/bank/commands/sendtx.go
@@ -4,13 +4,10 @@ import (
 	"encoding/hex"
 	"fmt"
 
-	"github.com/pkg/errors"
 	"github.com/spf13/cobra"
 	"github.com/spf13/viper"
 
-	"github.com/cosmos/cosmos-sdk/client"
 	"github.com/cosmos/cosmos-sdk/client/builder"
-	"github.com/cosmos/cosmos-sdk/client/keys"
 	sdk "github.com/cosmos/cosmos-sdk/types"
 	"github.com/cosmos/cosmos-sdk/wire"
 
@@ -44,12 +41,21 @@ type commander struct {
 }
 
 func (c commander) sendTxCmd(cmd *cobra.Command, args []string) error {
-	txBytes, err := c.buildTx()
+
+	// get the from address
+	from, err := builder.GetFromAddress()
 	if err != nil {
 		return err
 	}
 
-	res, err := builder.BroadcastTx(txBytes)
+	// build send msg
+	msg, err := buildMsg(from)
+	if err != nil {
+		return err
+	}
+
+	// build and sign the transaction, then broadcast to Tendermint
+	res, err := builder.SignBuildBroadcast(msg, c.cdc)
 	if err != nil {
 		return err
 	}
@@ -58,52 +64,6 @@ func (c commander) sendTxCmd(cmd *cobra.Command, args []string) error {
 	return nil
 }
 
-func (c commander) buildTx() ([]byte, error) {
-	keybase, err := keys.GetKeyBase()
-	if err != nil {
-		return nil, err
-	}
-
-	name := viper.GetString(client.FlagName)
-	info, err := keybase.Get(name)
-	if err != nil {
-		return nil, errors.Errorf("No key for: %s", name)
-	}
-	from := info.PubKey.Address()
-
-	msg, err := buildMsg(from)
-	if err != nil {
-		return nil, err
-	}
-
-	// sign and build
-	bz := msg.GetSignBytes()
-	buf := client.BufferStdin()
-	prompt := fmt.Sprintf("Password to sign with '%s':", name)
-	passphrase, err := client.GetPassword(prompt, buf)
-	if err != nil {
-		return nil, err
-	}
-	sig, pubkey, err := keybase.Sign(name, passphrase, bz)
-	if err != nil {
-		return nil, err
-	}
-	sigs := []sdk.StdSignature{{
-		PubKey:    pubkey,
-		Signature: sig,
-		Sequence:  viper.GetInt64(flagSequence),
-	}}
-
-	// marshal bytes
-	tx := sdk.NewStdTx(msg, sigs)
-
-	txBytes, err := c.cdc.MarshalBinary(tx)
-	if err != nil {
-		return nil, err
-	}
-	return txBytes, nil
-}
-
 func buildMsg(from sdk.Address) (sdk.Msg, error) {
 
 	// parse coins