diff --git a/bin/liquidator/src/liquidate.rs b/bin/liquidator/src/liquidate.rs
index c355aaa19..fd39d4964 100644
--- a/bin/liquidator/src/liquidate.rs
+++ b/bin/liquidator/src/liquidate.rs
@@ -263,7 +263,7 @@ impl<'a> LiquidateHelper<'a> {
         liq_ixs.cu = liq_ixs.cu.max(self.config.compute_limit_for_liq_ix);
         let txsig = self
             .client
-            .send_and_confirm_owner_tx(liq_ixs.to_instructions())
+            .send_and_confirm_authority_tx(liq_ixs.to_instructions())
             .await
             .context("sending perp_liq_base_or_positive_pnl_instruction")?;
         info!(
@@ -309,7 +309,7 @@ impl<'a> LiquidateHelper<'a> {
         liq_ixs.cu = liq_ixs.cu.max(self.config.compute_limit_for_liq_ix);
         let txsig = self
             .client
-            .send_and_confirm_owner_tx(liq_ixs.to_instructions())
+            .send_and_confirm_authority_tx(liq_ixs.to_instructions())
             .await
             .context("sending perp_liq_negative_pnl_or_bankruptcy_instruction")?;
         info!(
@@ -503,7 +503,7 @@ impl<'a> LiquidateHelper<'a> {
         liq_ixs.cu = liq_ixs.cu.max(self.config.compute_limit_for_liq_ix);
         let txsig = self
             .client
-            .send_and_confirm_owner_tx(liq_ixs.to_instructions())
+            .send_and_confirm_authority_tx(liq_ixs.to_instructions())
             .await
             .context("sending liq_token_with_token")?;
         info!(
@@ -560,7 +560,7 @@ impl<'a> LiquidateHelper<'a> {
         liq_ixs.cu = liq_ixs.cu.max(self.config.compute_limit_for_liq_ix);
         let txsig = self
             .client
-            .send_and_confirm_owner_tx(liq_ixs.to_instructions())
+            .send_and_confirm_authority_tx(liq_ixs.to_instructions())
             .await
             .context("sending liq_token_with_token")?;
         info!(
diff --git a/bin/liquidator/src/rebalance.rs b/bin/liquidator/src/rebalance.rs
index 0472e300c..625e2a470 100644
--- a/bin/liquidator/src/rebalance.rs
+++ b/bin/liquidator/src/rebalance.rs
@@ -644,7 +644,7 @@ impl Rebalancer {
 
             let tx_builder = TransactionBuilder {
                 instructions: ixs.to_instructions(),
-                signers: vec![self.mango_client.owner.clone()],
+                signers: vec![self.mango_client.authority.clone()],
                 ..self.mango_client.transaction_builder().await?
             };
 
diff --git a/bin/liquidator/src/telemetry.rs b/bin/liquidator/src/telemetry.rs
index 5cc87bf9a..06887840f 100644
--- a/bin/liquidator/src/telemetry.rs
+++ b/bin/liquidator/src/telemetry.rs
@@ -21,9 +21,9 @@ async fn report(client: &MangoClient, min_health_ratio: f64) -> anyhow::Result<(
     })
     .to_string();
 
-    let signature = client.owner.sign_message(message.as_bytes());
+    let signature = client.authority.sign_message(message.as_bytes());
     let payload = serde_json::json!({
-        "wallet_pk": client.owner.pubkey().to_string(),
+        "wallet_pk": client.authority.pubkey().to_string(),
         "message": message,
         "signature": signature.to_string(),
     });
diff --git a/bin/liquidator/src/trigger_tcs.rs b/bin/liquidator/src/trigger_tcs.rs
index 8a3ef06ee..04d802f3f 100644
--- a/bin/liquidator/src/trigger_tcs.rs
+++ b/bin/liquidator/src/trigger_tcs.rs
@@ -1202,7 +1202,7 @@ impl Context {
             let fee_payer = self.mango_client.client.fee_payer();
             TransactionBuilder {
                 instructions: vec![compute_ix],
-                signers: vec![self.mango_client.owner.clone(), fee_payer],
+                signers: vec![self.mango_client.authority.clone(), fee_payer],
                 ..self.mango_client.transaction_builder().await?
             }
         };
diff --git a/bin/settler/src/tcs_start.rs b/bin/settler/src/tcs_start.rs
index 9f8e37011..9cde5efa7 100644
--- a/bin/settler/src/tcs_start.rs
+++ b/bin/settler/src/tcs_start.rs
@@ -142,7 +142,7 @@ impl State {
             }
 
             let txsig = match mango_client
-                .send_and_confirm_owner_tx(instructions.to_instructions())
+                .send_and_confirm_authority_tx(instructions.to_instructions())
                 .await
             {
                 Ok(v) => v,
diff --git a/lib/client/src/client.rs b/lib/client/src/client.rs
index bae7592f5..52e84b591 100644
--- a/lib/client/src/client.rs
+++ b/lib/client/src/client.rs
@@ -273,7 +273,7 @@ pub struct MangoClient {
     // call to refresh banks etc -- if it's backed by websockets, these could just do nothing
     pub account_fetcher: Arc<dyn AccountFetcher>,
 
-    pub owner: Arc<Keypair>,
+    pub authority: Arc<Keypair>,
     pub mango_account_address: Pubkey,
 
     pub context: MangoGroupContext,
@@ -406,7 +406,7 @@ impl MangoClient {
     pub async fn new_for_existing_account(
         client: Client,
         account: Pubkey,
-        owner: Arc<Keypair>,
+        authority: Arc<Keypair>,
     ) -> anyhow::Result<Self> {
         let rpc = client.new_rpc_async();
         let account_fetcher = Arc::new(CachedAccountFetcher::new(Arc::new(RpcAccountFetcher {
@@ -415,25 +415,25 @@ impl MangoClient {
         let mango_account =
             account_fetcher_fetch_mango_account(&*account_fetcher, &account).await?;
         let group = mango_account.fixed.group;
-        if mango_account.fixed.owner != owner.pubkey() {
+        if mango_account.fixed.owner != authority.pubkey() {
             anyhow::bail!(
                 "bad owner for account: expected {} got {}",
                 mango_account.fixed.owner,
-                owner.pubkey()
+                authority.pubkey()
             );
         }
 
         let rpc = client.rpc_async();
         let group_context = MangoGroupContext::new_from_rpc(&rpc, group).await?;
 
-        Self::new_detail(client, account, owner, group_context, account_fetcher)
+        Self::new_detail(client, account, authority, group_context, account_fetcher)
     }
 
     /// Allows control of AccountFetcher and externally created MangoGroupContext
     pub fn new_detail(
         client: Client,
         account: Pubkey,
-        owner: Arc<Keypair>,
+        authority: Arc<Keypair>,
         // future: maybe pass Arc<MangoGroupContext>, so it can be extenally updated?
         group_context: MangoGroupContext,
         account_fetcher: Arc<dyn AccountFetcher>,
@@ -441,15 +441,15 @@ impl MangoClient {
         Ok(Self {
             client,
             account_fetcher,
-            owner,
+            authority,
             mango_account_address: account,
             context: group_context,
             http_client: reqwest::Client::new(),
         })
     }
 
-    pub fn owner(&self) -> Pubkey {
-        self.owner.pubkey()
+    pub fn authority(&self) -> Pubkey {
+        self.authority.pubkey()
     }
 
     pub fn group(&self) -> Pubkey {
@@ -554,12 +554,15 @@ impl MangoClient {
                         &mango_v4::accounts::TokenDeposit {
                             group: self.group(),
                             account: self.mango_account_address,
-                            owner: self.owner(),
+                            owner: self.authority(),
                             bank: token.first_bank(),
                             vault: token.first_vault(),
                             oracle: token.oracle,
-                            token_account: get_associated_token_address(&self.owner(), &token.mint),
-                            token_authority: self.owner(),
+                            token_account: get_associated_token_address(
+                                &self.authority(),
+                                &token.mint,
+                            ),
+                            token_authority: self.authority(),
                             token_program: Token::id(),
                         },
                         None,
@@ -574,7 +577,8 @@ impl MangoClient {
             },
             self.instruction_cu(health_cu),
         );
-        self.send_and_confirm_owner_tx(ixs.to_instructions()).await
+        self.send_and_confirm_authority_tx(ixs.to_instructions())
+            .await
     }
 
     /// Assert that health of account is > N
@@ -639,7 +643,7 @@ impl MangoClient {
         let ixs = PreparedInstructions::from_vec(
             vec![
                 spl_associated_token_account::instruction::create_associated_token_account_idempotent(
-                    &self.owner(),
+                    &self.authority(),
                     &account.fixed.owner,
                     &mint,
                     &Token::id(),
@@ -651,7 +655,7 @@ impl MangoClient {
                             &mango_v4::accounts::TokenWithdraw {
                                 group: self.group(),
                                 account: self.mango_account_address,
-                                owner: self.owner(),
+                                owner: self.authority(),
                                 bank: token.first_bank(),
                                 vault: token.first_vault(),
                                 oracle: token.oracle,
@@ -687,7 +691,8 @@ impl MangoClient {
         let ixs = self
             .token_withdraw_instructions(&account, mint, amount, allow_borrow)
             .await?;
-        self.send_and_confirm_owner_tx(ixs.to_instructions()).await
+        self.send_and_confirm_authority_tx(ixs.to_instructions())
+            .await
     }
 
     pub async fn bank_oracle_price(&self, token_index: TokenIndex) -> anyhow::Result<I80F48> {
@@ -739,8 +744,8 @@ impl MangoClient {
                         serum_program: s3.serum_program,
                         serum_market_external: s3.serum_market_external,
                         open_orders,
-                        owner: self.owner(),
-                        sol_destination: self.owner(),
+                        owner: self.authority(),
+                        sol_destination: self.authority(),
                     },
                     None,
                 ),
@@ -755,7 +760,8 @@ impl MangoClient {
     pub async fn serum3_close_open_orders(&self, name: &str) -> anyhow::Result<Signature> {
         let market_index = self.context.serum3_market_index(name);
         let ix = self.serum3_close_open_orders_instruction(market_index);
-        self.send_and_confirm_owner_tx(ix.to_instructions()).await
+        self.send_and_confirm_authority_tx(ix.to_instructions())
+            .await
     }
 
     pub fn serum3_create_open_orders_instruction(
@@ -777,8 +783,8 @@ impl MangoClient {
                     serum_program: s3.serum_program,
                     serum_market_external: s3.serum_market_external,
                     open_orders,
-                    owner: self.owner(),
-                    payer: self.owner(),
+                    owner: self.authority(),
+                    payer: self.authority(),
                     system_program: System::id(),
                     rent: sysvar::rent::id(),
                 },
@@ -810,7 +816,7 @@ impl MangoClient {
     pub async fn serum3_create_open_orders(&self, name: &str) -> anyhow::Result<Signature> {
         let market_index = self.context.serum3_market_index(name);
         let ix = self.serum3_create_open_orders_instruction(market_index);
-        self.send_and_confirm_owner_tx(vec![ix]).await
+        self.send_and_confirm_authority_tx(vec![ix]).await
     }
 
     #[allow(clippy::too_many_arguments)]
@@ -868,7 +874,7 @@ impl MangoClient {
                             market_base_vault: s3.coin_vault,
                             market_quote_vault: s3.pc_vault,
                             market_vault_signer: s3.vault_signer,
-                            owner: self.owner(),
+                            owner: self.authority(),
                             token_program: Token::id(),
                         },
                         None,
@@ -1131,7 +1137,8 @@ impl MangoClient {
         let mut ixs = PreparedInstructions::new();
         ixs.append(create_or_replace_ixs);
         ixs.append(place_order_ixs);
-        self.send_and_confirm_owner_tx(ixs.to_instructions()).await
+        self.send_and_confirm_authority_tx(ixs.to_instructions())
+            .await
     }
 
     pub async fn serum3_settle_funds(&self, name: &str) -> anyhow::Result<Signature> {
@@ -1161,7 +1168,7 @@ impl MangoClient {
                         market_base_vault: s3.coin_vault,
                         market_quote_vault: s3.pc_vault,
                         market_vault_signer: s3.vault_signer,
-                        owner: self.owner(),
+                        owner: self.authority(),
                         token_program: Token::id(),
                     },
                     v2: mango_v4::accounts::Serum3SettleFundsV2Extra {
@@ -1175,7 +1182,7 @@ impl MangoClient {
                 fees_to_dao: true,
             }),
         };
-        self.send_and_confirm_owner_tx(vec![ix]).await
+        self.send_and_confirm_authority_tx(vec![ix]).await
     }
 
     pub fn serum3_cancel_all_orders_instruction(
@@ -1201,7 +1208,7 @@ impl MangoClient {
                         serum_market: s3.address,
                         serum_program: s3.serum_program,
                         serum_market_external: s3.serum_market_external,
-                        owner: self.owner(),
+                        owner: self.authority(),
                     },
                     None,
                 ),
@@ -1340,7 +1347,7 @@ impl MangoClient {
                         market_bids: s3.bids,
                         market_asks: s3.asks,
                         market_event_queue: s3.event_q,
-                        owner: self.owner(),
+                        owner: self.authority(),
                     },
                     None,
                 )
@@ -1350,7 +1357,7 @@ impl MangoClient {
                 order_id,
             }),
         };
-        self.send_and_confirm_owner_tx(vec![ix]).await
+        self.send_and_confirm_authority_tx(vec![ix]).await
     }
 
     //
@@ -1403,7 +1410,7 @@ impl MangoClient {
                     &mango_v4::accounts::PerpPlaceOrder {
                         group: self.group(),
                         account: self.mango_account_address,
-                        owner: self.owner(),
+                        owner: self.authority(),
                         perp_market: perp.address,
                         bids: perp.bids,
                         asks: perp.asks,
@@ -1508,7 +1515,8 @@ impl MangoClient {
                 self_trade_behavior,
             )
             .await?;
-        self.send_and_confirm_owner_tx(ixs.to_instructions()).await
+        self.send_and_confirm_authority_tx(ixs.to_instructions())
+            .await
     }
 
     pub fn perp_cancel_all_orders_instruction(
@@ -1526,7 +1534,7 @@ impl MangoClient {
                         &mango_v4::accounts::PerpCancelAllOrders {
                             group: self.group(),
                             account: self.mango_account_address,
-                            owner: self.owner(),
+                            owner: self.authority(),
                             perp_market: perp.address,
                             bids: perp.bids,
                             asks: perp.asks,
@@ -1551,7 +1559,8 @@ impl MangoClient {
         let ixs = self
             .perp_deactivate_position_instruction(market_index)
             .await?;
-        self.send_and_confirm_owner_tx(ixs.to_instructions()).await
+        self.send_and_confirm_authority_tx(ixs.to_instructions())
+            .await
     }
 
     async fn perp_deactivate_position_instruction(
@@ -1568,7 +1577,7 @@ impl MangoClient {
                         &mango_v4::accounts::PerpDeactivatePosition {
                             group: self.group(),
                             account: self.mango_account_address,
-                            owner: self.owner(),
+                            owner: self.authority(),
                             perp_market: perp.address,
                         },
                         None,
@@ -1611,7 +1620,7 @@ impl MangoClient {
                         &mango_v4::accounts::PerpSettlePnl {
                             group: self.group(),
                             settler: self.mango_account_address,
-                            settler_owner: self.owner(),
+                            settler_owner: self.authority(),
                             perp_market: perp.address,
                             account_a: *account_a.0,
                             account_b: *account_b.0,
@@ -1715,7 +1724,7 @@ impl MangoClient {
                         perp_market: perp.address,
                         oracle: perp.oracle,
                         liqor: self.mango_account_address,
-                        liqor_owner: self.owner(),
+                        liqor_owner: self.authority(),
                         liqee: *liqee.0,
                         settle_bank: settle_token_info.first_bank(),
                         settle_vault: settle_token_info.first_vault(),
@@ -1775,7 +1784,7 @@ impl MangoClient {
                         perp_market: perp.address,
                         oracle: perp.oracle,
                         liqor: self.mango_account_address,
-                        liqor_owner: self.owner(),
+                        liqor_owner: self.authority(),
                         liqee: *liqee.0,
                         settle_bank: settle_token_info.first_bank(),
                         settle_vault: settle_token_info.first_vault(),
@@ -1883,7 +1892,7 @@ impl MangoClient {
                         group: self.group(),
                         liqee: *liqee.0,
                         liqor: self.mango_account_address,
-                        liqor_owner: self.owner(),
+                        liqor_owner: self.authority(),
                     },
                     None,
                 );
@@ -1944,7 +1953,7 @@ impl MangoClient {
                         group: self.group(),
                         liqee: *liqee.0,
                         liqor: self.mango_account_address,
-                        liqor_owner: self.owner(),
+                        liqor_owner: self.authority(),
                         liab_mint_info: liab_info.mint_info_address,
                         quote_vault: quote_info.first_vault(),
                         insurance_vault: group.insurance_vault,
@@ -2004,7 +2013,7 @@ impl MangoClient {
                         group: self.group(),
                         liqee: *liqee.0,
                         liqor: self.mango_account_address,
-                        liqor_authority: self.owner(),
+                        liqor_authority: self.authority(),
                     },
                     None,
                 );
@@ -2051,7 +2060,7 @@ impl MangoClient {
                         group: self.group(),
                         liqee: *account.0,
                         liqor: self.mango_account_address,
-                        liqor_authority: self.owner(),
+                        liqor_authority: self.authority(),
                     },
                     None,
                 );
@@ -2252,7 +2261,7 @@ impl MangoClient {
         self.context.compute_estimates.cu_per_mango_instruction + health_cu
     }
 
-    pub async fn send_and_confirm_owner_tx(
+    pub async fn send_and_confirm_authority_tx(
         &self,
         instructions: Vec<Instruction>,
     ) -> anyhow::Result<Signature> {
@@ -2260,7 +2269,7 @@ impl MangoClient {
             instructions,
             ..self.transaction_builder().await?
         };
-        tx_builder.signers.push(self.owner.clone());
+        tx_builder.signers.push(self.authority.clone());
         tx_builder.send_and_confirm(&self.client).await
     }
 
diff --git a/lib/client/src/swap/jupiter_v6.rs b/lib/client/src/swap/jupiter_v6.rs
index 1ebe27d89..864c049c4 100644
--- a/lib/client/src/swap/jupiter_v6.rs
+++ b/lib/client/src/swap/jupiter_v6.rs
@@ -230,14 +230,14 @@ impl<'a> JupiterV6<'a> {
             .map(util::to_writable_account_meta)
             .collect::<Vec<_>>();
 
-        let owner = self.mango_client.owner();
+        let authority = self.mango_client.authority();
         let account = &self.mango_client.mango_account().await?;
 
         let token_ams = [source_token.mint, target_token.mint]
             .into_iter()
             .map(|mint| {
                 util::to_writable_account_meta(
-                    anchor_spl::associated_token::get_associated_token_address(&owner, &mint),
+                    anchor_spl::associated_token::get_associated_token_address(&authority, &mint),
                 )
             })
             .collect::<Vec<_>>();
@@ -274,7 +274,7 @@ impl<'a> JupiterV6<'a> {
             .post(format!("{}/swap-instructions", config.jupiter_v6_url))
             .query(&query_args)
             .json(&SwapRequest {
-                user_public_key: owner.to_string(),
+                user_public_key: authority.to_string(),
                 wrap_and_unwrap_sol: false,
                 use_shared_accounts: true,
                 fee_account: None,
@@ -304,8 +304,8 @@ impl<'a> JupiterV6<'a> {
         // Ensure the source token account is created (jupiter takes care of the output account)
         instructions.push(
             spl_associated_token_account::instruction::create_associated_token_account_idempotent(
-                &owner,
-                &owner,
+                &authority,
+                &authority,
                 &source_token.mint,
                 &Token::id(),
             ),
@@ -317,7 +317,7 @@ impl<'a> JupiterV6<'a> {
                 let mut ams = anchor_lang::ToAccountMetas::to_account_metas(
                     &mango_v4::accounts::FlashLoanBegin {
                         account: self.mango_client.mango_account_address,
-                        owner,
+                        owner: authority,
                         token_program: Token::id(),
                         instructions: solana_sdk::sysvar::instructions::id(),
                     },
@@ -340,7 +340,7 @@ impl<'a> JupiterV6<'a> {
                 let mut ams = anchor_lang::ToAccountMetas::to_account_metas(
                     &mango_v4::accounts::FlashLoanEnd {
                         account: self.mango_client.mango_account_address,
-                        owner,
+                        owner: authority,
                         token_program: Token::id(),
                     },
                     None,
@@ -375,13 +375,13 @@ impl<'a> JupiterV6<'a> {
             .await?;
         address_lookup_tables.extend(jup_alts.into_iter());
 
-        let payer = owner; // maybe use fee_payer? but usually it's the same
+        let payer = authority; // maybe use fee_payer? but usually it's the same
 
         Ok(TransactionBuilder {
             instructions,
             address_lookup_tables,
             payer,
-            signers: vec![self.mango_client.owner.clone()],
+            signers: vec![self.mango_client.authority.clone()],
             config: self
                 .mango_client
                 .client
diff --git a/lib/client/src/swap/sanctum.rs b/lib/client/src/swap/sanctum.rs
index ddd2bed06..d93ca4d2f 100644
--- a/lib/client/src/swap/sanctum.rs
+++ b/lib/client/src/swap/sanctum.rs
@@ -124,14 +124,14 @@ impl<'a> Sanctum<'a> {
             .map(util::to_writable_account_meta)
             .collect::<Vec<_>>();
 
-        let owner = self.mango_client.owner();
+        let authority = self.mango_client.authority();
         let account = &self.mango_client.mango_account().await?;
 
         let token_ams = [source_token.mint, target_token.mint]
             .into_iter()
             .map(|mint| {
                 util::to_writable_account_meta(
-                    anchor_spl::associated_token::get_associated_token_address(&owner, &mint),
+                    anchor_spl::associated_token::get_associated_token_address(&authority, &mint),
                 )
             })
             .collect::<Vec<_>>();
@@ -176,7 +176,7 @@ impl<'a> Sanctum<'a> {
                 input: input_mint.to_string(),
                 mode: "ExactIn".to_string(),
                 output_lst_mint: output_mint.to_string(),
-                signer: owner.to_string(),
+                signer: authority.to_string(),
                 swap_src: quote.swap_src.clone(),
             })
             .timeout(self.timeout_duration)
@@ -244,8 +244,8 @@ impl<'a> Sanctum<'a> {
         // Ensure the source token account is created (sanctum takes care of the output account)
         instructions.push(
             spl_associated_token_account::instruction::create_associated_token_account_idempotent(
-                &owner,
-                &owner,
+                &authority,
+                &authority,
                 &source_token.mint,
                 &Token::id(),
             ),
@@ -257,7 +257,7 @@ impl<'a> Sanctum<'a> {
                 let mut ams = anchor_lang::ToAccountMetas::to_account_metas(
                     &mango_v4::accounts::FlashLoanBegin {
                         account: self.mango_client.mango_account_address,
-                        owner,
+                        owner: authority,
                         token_program: Token::id(),
                         instructions: solana_sdk::sysvar::instructions::id(),
                     },
@@ -284,7 +284,7 @@ impl<'a> Sanctum<'a> {
                 let mut ams = anchor_lang::ToAccountMetas::to_account_metas(
                     &mango_v4::accounts::FlashLoanEnd {
                         account: self.mango_client.mango_account_address,
-                        owner,
+                        owner: authority,
                         token_program: Token::id(),
                     },
                     None,
@@ -308,13 +308,13 @@ impl<'a> Sanctum<'a> {
         let mut address_lookup_tables = self.mango_client.mango_address_lookup_tables().await?;
         address_lookup_tables.extend(sanctum_alts.into_iter());
 
-        let payer = owner; // maybe use fee_payer? but usually it's the same
+        let payer = authority; // maybe use fee_payer? but usually it's the same
 
         Ok(TransactionBuilder {
             instructions,
             address_lookup_tables,
             payer,
-            signers: vec![self.mango_client.owner.clone()],
+            signers: vec![self.mango_client.authority.clone()],
             config: self
                 .mango_client
                 .client