diff --git a/configure.ac b/configure.ac
index 35813210f..feb13a6d3 100644
--- a/configure.ac
+++ b/configure.ac
@@ -557,6 +557,5 @@ AC_CONFIG_FILES([Makefile
                  src/pq/Makefile
                  src/util/Makefile
                  src/util/taler-config
-                 src/wire/Makefile
                  ])
 AC_OUTPUT
diff --git a/src/Makefile.am b/src/Makefile.am
index cc749e275..0e1698d00 100644
--- a/src/Makefile.am
+++ b/src/Makefile.am
@@ -22,7 +22,7 @@ pkgcfg_DATA = \
 EXTRA_DIST = \
   taler.conf
 
-SUBDIRS = include util wire json curl $(PQ_DIR) mhd $(BANK_LIB) exchangedb exchange exchange-tools auditordb auditor
+SUBDIRS = include util json curl $(PQ_DIR) mhd $(BANK_LIB) exchangedb exchange exchange-tools auditordb auditor
 if HAVE_LIBCURL
  SUBDIRS += lib benchmark
 else
diff --git a/src/auditor/Makefile.am b/src/auditor/Makefile.am
index d5d7669bc..b2219e357 100644
--- a/src/auditor/Makefile.am
+++ b/src/auditor/Makefile.am
@@ -40,7 +40,7 @@ taler_auditor_LDADD = \
   $(LIBGCRYPT_LIBS) \
   $(top_builddir)/src/util/libtalerutil.la \
   $(top_builddir)/src/json/libtalerjson.la \
-  $(top_builddir)/src/wire/libtalerwire.la \
+  $(top_builddir)/src/bank-lib/libtalerbank.la \
   $(top_builddir)/src/exchangedb/libtalerexchangedb.la \
   $(top_builddir)/src/auditordb/libtalerauditordb.la \
   -ljansson \
diff --git a/src/auditor/taler-auditor.c b/src/auditor/taler-auditor.c
index bb769fd6c..76285d554 100644
--- a/src/auditor/taler-auditor.c
+++ b/src/auditor/taler-auditor.c
@@ -41,7 +41,7 @@
 #include "taler_auditordb_plugin.h"
 #include "taler_exchangedb_plugin.h"
 #include "taler_json_lib.h"
-#include "taler_wire_lib.h"
+#include "taler_bank_service.h"
 #include "taler_signatures.h"
 
 
@@ -1459,7 +1459,7 @@ get_closing_fee (const char *receiver_account,
   struct TALER_Amount wire_fee;
   char *method;
 
-  method = TALER_WIRE_payto_get_method (receiver_account);
+  method = TALER_payto_get_method (receiver_account);
   GNUNET_log (GNUNET_ERROR_TYPE_ERROR,
               "Method is `%s'\n",
               method);
@@ -2894,7 +2894,7 @@ check_wire_out_cb
   }
 
   /* Round down to amount supported by wire method */
-  GNUNET_break (TALER_WIRE_amount_round (&final_amount));
+  GNUNET_break (TALER_amount_round (&final_amount));
 
   /* Calculate the exchange's gain as the fees plus rounding differences! */
   if (GNUNET_OK !=
diff --git a/src/auditor/taler-wire-auditor.c b/src/auditor/taler-wire-auditor.c
index bd9617466..4c1d6ac3b 100644
--- a/src/auditor/taler-wire-auditor.c
+++ b/src/auditor/taler-wire-auditor.c
@@ -652,7 +652,7 @@ do_shutdown (void *cls)
                                  wa_tail,
                                  wa);
     TALER_BANK_auth_free (&wa->auth);
-    TALER_WIRE_account_free (&wa->account);
+    TALER_BANK_account_free (&wa->account);
     GNUNET_free (wa->section_name);
     GNUNET_free (wa);
   }
@@ -2082,7 +2082,7 @@ process_account_cb (void *cls,
   if (TALER_PAC_X_TALER_BANK != wa->account.type)
   {
     GNUNET_break (0);
-    TALER_WIRE_account_free (&wa->account);
+    TALER_BANK_account_free (&wa->account);
     TALER_BANK_auth_free (&wa->auth);
     GNUNET_free (wa->section_name);
     GNUNET_free (wa);
diff --git a/src/bank-lib/Makefile.am b/src/bank-lib/Makefile.am
index 35af78262..a428f5ffd 100644
--- a/src/bank-lib/Makefile.am
+++ b/src/bank-lib/Makefile.am
@@ -41,6 +41,7 @@ libtalerbank_la_SOURCES = \
   bank_api_credit.c \
   bank_api_debit.c \
   bank_api_transfer.c \
+  bank_api_payto.c \
   bank_api_parse.c
 libtalerbank_la_LIBADD = \
   $(top_builddir)/src/json/libtalerjson.la \
diff --git a/src/bank-lib/bank_api_parse.c b/src/bank-lib/bank_api_parse.c
index 86288802d..1d6b2efbc 100644
--- a/src/bank-lib/bank_api_parse.c
+++ b/src/bank-lib/bank_api_parse.c
@@ -50,7 +50,7 @@ TALER_BANK_account_parse_cfg (const struct GNUNET_CONFIGURATION_Handle *cfg,
     return GNUNET_SYSERR;
   }
   if (TALER_EC_NONE !=
-      TALER_WIRE_payto_to_account (account_url,
+      TALER_BANK_payto_to_account (account_url,
                                    acc))
   {
     GNUNET_log_config_invalid (GNUNET_ERROR_TYPE_ERROR,
@@ -67,7 +67,7 @@ TALER_BANK_account_parse_cfg (const struct GNUNET_CONFIGURATION_Handle *cfg,
                                "URL",
                                "Malformed payto:// URL for x-taler-bank method");
     GNUNET_free (account_url);
-    TALER_WIRE_account_free (acc);
+    TALER_BANK_account_free (acc);
     return GNUNET_SYSERR;
   }
   GNUNET_free (account_url);
diff --git a/src/wire/payto.c b/src/bank-lib/bank_api_payto.c
similarity index 97%
rename from src/wire/payto.c
rename to src/bank-lib/bank_api_payto.c
index 0c3fce957..5f87eb796 100644
--- a/src/wire/payto.c
+++ b/src/bank-lib/bank_api_payto.c
@@ -1,6 +1,6 @@
 /*
   This file is part of TALER
-  (C) 2015--2019 GNUnet e.V.
+  (C) 2015--2020 Taler Systems SA
 
   TALER is free software; you can redistribute it and/or modify it under the
   terms of the GNU General Public License as published by the Free Software
@@ -14,14 +14,13 @@
   TALER; see the file COPYING.  If not, see <http://www.gnu.org/licenses/>
 */
 /**
- * @file wire/payto.c
+ * @file bank-lib/bank_api_payto.c
  * @brief Functions for parsing payto:// URIs
  * @author Christian Grothoff <christian@grothoff.org>
  */
 #include "platform.h"
 #include "taler_util.h"
 #include "taler_bank_service.h"
-#include "taler_wire_lib.h"
 
 /**
  * Maximum legal 'value' for an account number, based on IEEE double (for JavaScript compatibility).
@@ -35,7 +34,7 @@
  * @param acc account to free, the pointer itself is NOT free'd.
  */
 void
-TALER_WIRE_account_free (struct TALER_Account *acc)
+TALER_BANK_account_free (struct TALER_Account *acc)
 {
   switch (acc->type)
   {
@@ -482,11 +481,11 @@ typedef enum TALER_ErrorCode
  * Parse @a payto_url and store the result in @a acc
  *
  * @param payto_url URL to parse
- * @param acc[in,out] account to initialize, free using #TALER_WIRE_account_free() later
+ * @param acc[in,out] account to initialize, free using #TALER_BANK_account_free() later
  * @return #TALER_EC_NONE if @a payto_url is well-formed
  */
 enum TALER_ErrorCode
-TALER_WIRE_payto_to_account (const char *payto_url,
+TALER_BANK_payto_to_account (const char *payto_url,
                              struct TALER_Account *acc)
 {
   Parser parsers[] = {
diff --git a/src/benchmark/taler-exchange-benchmark.c b/src/benchmark/taler-exchange-benchmark.c
index cc350942a..ca3b1a767 100644
--- a/src/benchmark/taler-exchange-benchmark.c
+++ b/src/benchmark/taler-exchange-benchmark.c
@@ -858,7 +858,7 @@ main (int argc,
     }
 
     if (TALER_EC_NONE !=
-        TALER_WIRE_payto_to_account (exchange_payto_url,
+        TALER_BANK_payto_to_account (exchange_payto_url,
                                      &exchange_bank_account))
     {
       GNUNET_log (GNUNET_ERROR_TYPE_ERROR,
diff --git a/src/exchange/taler-exchange-aggregator.c b/src/exchange/taler-exchange-aggregator.c
index 2704f5910..161d35b2f 100644
--- a/src/exchange/taler-exchange-aggregator.c
+++ b/src/exchange/taler-exchange-aggregator.c
@@ -172,7 +172,7 @@ struct AggregationUnit
   /**
    * Wire preparation handle.
    */
-  struct TALER_WIRE_PrepareHandle *ph;
+  struct TALER_BANK_PrepareHandle *ph;
 
   /**
    * Array of #aggregation_limit row_ids from the
@@ -416,7 +416,7 @@ find_account_by_url (const char *url)
   char *method;
   struct WireAccount *wa;
 
-  method = TALER_WIRE_payto_get_method (url);
+  method = TALER_payto_get_method (url);
   if (NULL == method)
   {
     fprintf (stderr,
@@ -573,7 +573,7 @@ shutdown_task (void *cls)
       GNUNET_CONTAINER_DLL_remove (wa_head,
                                    wa_tail,
                                    wa);
-      TALER_WIRE_account_free (&wa->account);
+      TALER_BANK_account_free (&wa->account);
       TALER_BANK_auth_free (&wa->auth);
       TALER_EXCHANGEDB_fees_free (wa->af);
       GNUNET_free (wa->section_name);
@@ -1117,7 +1117,7 @@ expired_reserve_cb (void *cls,
   }
   /* round down to enable transfer */
   if (GNUNET_SYSERR ==
-      TALER_WIRE_amount_round (&amount_without_fee))
+      TALER_amount_round (&amount_without_fee))
   {
     GNUNET_break (0);
     global_ret = GNUNET_SYSERR;
@@ -1182,7 +1182,7 @@ expired_reserve_cb (void *cls,
   ctc = GNUNET_new (struct CloseTransferContext);
   ctc->wa = wa;
   ctc->session = session;
-  ctc->method = TALER_WIRE_payto_get_method (account_details);
+  ctc->method = TALER_payto_get_method (account_details);
   TALER_BANK_prepare_wire_transfer (account_details,
                                     &amount_without_fee,
                                     exchange_base_url,
@@ -1449,7 +1449,7 @@ run_aggregation (void *cls)
                                &au->total_amount,
                                &au->wire_fee)) ||
        (GNUNET_SYSERR ==
-        TALER_WIRE_amount_round (&au->final_amount)) ||
+        TALER_amount_round (&au->final_amount)) ||
        ( (0 == au->final_amount.value) &&
          (0 == au->final_amount.fraction) ) )
   {
diff --git a/src/exchange/taler-exchange-httpd_validation.c b/src/exchange/taler-exchange-httpd_validation.c
index d0371e930..f9bfb0a07 100644
--- a/src/exchange/taler-exchange-httpd_validation.c
+++ b/src/exchange/taler-exchange-httpd_validation.c
@@ -146,7 +146,7 @@ load_account (void *cls,
       *ret = GNUNET_SYSERR;
       return;
     }
-    method = TALER_WIRE_payto_get_method (ai->payto_url);
+    method = TALER_payto_get_method (ai->payto_url);
     if (GNUNET_OK ==
         load_fee (method))
     {
diff --git a/src/exchange/taler-exchange-wirewatch.c b/src/exchange/taler-exchange-wirewatch.c
index 091f4ba20..5720a6d0b 100644
--- a/src/exchange/taler-exchange-wirewatch.c
+++ b/src/exchange/taler-exchange-wirewatch.c
@@ -213,7 +213,7 @@ shutdown_task (void *cls)
     GNUNET_CONTAINER_DLL_remove (wa_head,
                                  wa_tail,
                                  wa);
-    TALER_WIRE_account_free (&wa->account);
+    TALER_BANK_account_free (&wa->account);
     TALER_BANK_auth_free (&wa->auth);
     GNUNET_free (wa->section_name);
     GNUNET_free (wa);
diff --git a/src/exchangedb/plugin_exchangedb_postgres.c b/src/exchangedb/plugin_exchangedb_postgres.c
index 5f2c67161..e4caec2d5 100644
--- a/src/exchangedb/plugin_exchangedb_postgres.c
+++ b/src/exchangedb/plugin_exchangedb_postgres.c
@@ -422,7 +422,7 @@ postgres_create_tables (void *cls)
                             "(wireout_uuid BIGSERIAL PRIMARY KEY"
                             ",execution_date INT8 NOT NULL"
                             ",wtid_raw BYTEA UNIQUE NOT NULL CHECK (LENGTH(wtid_raw)="
-                            TALER_WIRE_TRANSFER_IDENTIFIER_LEN_STR ")"
+                            TALER_BANK_TRANSFER_IDENTIFIER_LEN_STR ")"
                             ",wire_target TEXT NOT NULL"
                             ",exchange_account_section TEXT NOT NULL"
                             ",amount_val INT8 NOT NULL"
diff --git a/src/include/Makefile.am b/src/include/Makefile.am
index 39e2c3f58..b1068d5d7 100644
--- a/src/include/Makefile.am
+++ b/src/include/Makefile.am
@@ -27,7 +27,6 @@ talerinclude_HEADERS = \
   taler_json_lib.h \
   taler_testing_auditor_lib.h \
   taler_testing_lib.h \
-  taler_wire_lib.h \
   taler_util.h \
   taler_mhd_lib.h \
   taler_pq_lib.h \
diff --git a/src/include/taler_amount_lib.h b/src/include/taler_amount_lib.h
index ef323f83b..37f42bd99 100644
--- a/src/include/taler_amount_lib.h
+++ b/src/include/taler_amount_lib.h
@@ -309,6 +309,18 @@ const char *
 TALER_amount2s (const struct TALER_Amount *amount);
 
 
+/**
+ * Round the amount to something that can be
+ * transferred on the wire.
+ *
+ * @param[in,out] amount amount to round down
+ * @return #GNUNET_OK on success, #GNUNET_NO if rounding was unnecessary,
+ *         #GNUNET_SYSERR if the amount or currency was invalid
+ */
+int
+TALER_amount_round (struct TALER_Amount *amount);
+
+
 #if 0                           /* keep Emacsens' auto-indent happy */
 {
 #endif
diff --git a/src/include/taler_bank_service.h b/src/include/taler_bank_service.h
index 08b29ed11..f52d095d4 100644
--- a/src/include/taler_bank_service.h
+++ b/src/include/taler_bank_service.h
@@ -85,6 +85,83 @@ struct TALER_BANK_AuthenticationData
 };
 
 
+/**
+ * Different account types supported by payto://.
+ */
+enum TALER_PaytoAccountType
+{
+
+  /**
+   * Used to indicate an uninitialized struct.
+   */
+  TALER_PAC_NONE = 0,
+
+  /**
+   * Account type of a bank running the x-taler-bank protocol.
+   */
+  TALER_PAC_X_TALER_BANK,
+
+  /**
+   * Account identified by IBAN number.
+   */
+  TALER_PAC_IBAN
+};
+
+
+/**
+ * Information about an account extracted from a payto://-URL.
+ */
+struct TALER_Account
+{
+
+  /**
+   * How this the account represented.
+   */
+  enum TALER_PaytoAccountType type;
+
+  /**
+   * Internals depending on @e type.
+   */
+  union
+  {
+
+    /**
+     * Taler bank address from x-taler-bank.  Set if
+     * @e type is #TALER_AC_X_TALER_BANK.
+     */
+    struct
+    {
+
+      /**
+       * Bank account base URL.
+       */
+      char *account_base_url;
+
+      /**
+       * Only the hostname of the bank.
+       */
+      char *hostname;
+
+    } x_taler_bank;
+
+    /**
+     * Taler bank address from iban.  Set if
+     * @e type is #TALER_AC_IBAN.
+     */
+    struct
+    {
+
+      /**
+       * IBAN number.
+       */
+      char *number;
+
+    } iban;
+
+  } details;
+};
+
+
 /* ********************* /admin/add/incoming *********************** */
 
 
@@ -447,6 +524,8 @@ void
 TALER_BANK_debit_history_cancel (struct TALER_BANK_DebitHistoryHandle *hh);
 
 
+/* ******************** Convenience functions **************** */
+
 /**
  * Convenience method for parsing configuration section with bank account data.
  *
@@ -460,6 +539,26 @@ TALER_BANK_account_parse_cfg (const struct GNUNET_CONFIGURATION_Handle *cfg,
                               const char *section,
                               struct TALER_Account *acc);
 
+/**
+ * Release memory allocated in @a acc.
+ *
+ * @param acc account to free, the pointer itself is NOT free'd.
+ */
+void
+TALER_BANK_account_free (struct TALER_Account *acc);
+
+
+/**
+ * Parse @a payto_url and store the result in @a acc
+ *
+ * @param payto_url URL to parse
+ * @param acc[in,out] account to initialize, free using #TALER_BANK_account_free() later
+ * @return #TALER_EC_NONE if @a payto_url is well-formed
+ */
+enum TALER_ErrorCode
+TALER_BANK_payto_to_account (const char *payto_url,
+                             struct TALER_Account *acc);
+
 
 /**
  * Convenience method for parsing configuration section with bank
@@ -486,4 +585,5 @@ TALER_BANK_auth_parse_cfg (const struct GNUNET_CONFIGURATION_Handle *cfg,
 void
 TALER_BANK_auth_free (struct TALER_BANK_AuthenticationData *auth);
 
+
 #endif  /* _TALER_BANK_SERVICE_H */
diff --git a/src/include/taler_crypto_lib.h b/src/include/taler_crypto_lib.h
index 81ea0bb95..f8dc1e665 100644
--- a/src/include/taler_crypto_lib.h
+++ b/src/include/taler_crypto_lib.h
@@ -510,12 +510,12 @@ struct TALER_TransferSecretP
  * Length of the raw value in the Taler wire transfer identifier
  * (in binary representation).
  */
-#define TALER_WIRE_TRANSFER_IDENTIFIER_LEN 32
+#define TALER_BANK_TRANSFER_IDENTIFIER_LEN 32
 
 /**
- * #TALER_WIRE_TRANSFER_IDENTIFIER_LEN as a string.
+ * #TALER_BANK_TRANSFER_IDENTIFIER_LEN as a string.
  */
-#define TALER_WIRE_TRANSFER_IDENTIFIER_LEN_STR "32"
+#define TALER_BANK_TRANSFER_IDENTIFIER_LEN_STR "32"
 
 
 /**
@@ -536,7 +536,7 @@ struct TALER_WireTransferIdentifierRawP
    * encode the actual value (i.e. a 256-bit / 32-byte public key or
    * a hash code), and the last byte for a minimalistic checksum.
    */
-  uint8_t raw[TALER_WIRE_TRANSFER_IDENTIFIER_LEN];
+  uint8_t raw[TALER_BANK_TRANSFER_IDENTIFIER_LEN];
 };
 
 
diff --git a/src/include/taler_util.h b/src/include/taler_util.h
index e1b42f134..105dba61a 100644
--- a/src/include/taler_util.h
+++ b/src/include/taler_util.h
@@ -381,4 +381,14 @@ TALER_url_absolute_mhd (struct MHD_Connection *connection,
                         ...);
 
 
+/**
+ * Obtain the payment method from a @a payto_url
+ *
+ * @param payto_url the URL to parse
+ * @return NULL on error (malformed @a payto_url)
+ */
+char *
+TALER_payto_get_method (const char *payto_url);
+
+
 #endif
diff --git a/src/include/taler_wire_lib.h b/src/include/taler_wire_lib.h
index c7d9f78d8..02a3d91c9 100644
--- a/src/include/taler_wire_lib.h
+++ b/src/include/taler_wire_lib.h
@@ -18,130 +18,10 @@
  * @brief Interface for loading and unloading wire plugins
  * @author Christian Grothoff <christian@grothoff.org>
  */
-#ifndef TALER_WIRE_H
-#define TALER_WIRE_H
+#ifndef TALER_BANK_H
+#define TALER_BANK_H
 
 #include <gnunet/gnunet_util_lib.h>
 
 
-/**
- * Different account types supported by payto://.
- */
-enum TALER_PaytoAccountType
-{
-
-  /**
-   * Used to indicate an uninitialized struct.
-   */
-  TALER_PAC_NONE = 0,
-
-  /**
-   * Account type of a bank running the x-taler-bank protocol.
-   */
-  TALER_PAC_X_TALER_BANK,
-
-  /**
-   * Account identified by IBAN number.
-   */
-  TALER_PAC_IBAN
-};
-
-
-/**
- * Information about an account extracted from a payto://-URL.
- */
-struct TALER_Account
-{
-
-  /**
-   * How this the account represented.
-   */
-  enum TALER_PaytoAccountType type;
-
-  /**
-   * Internals depending on @e type.
-   */
-  union
-  {
-
-    /**
-     * Taler bank address from x-taler-bank.  Set if
-     * @e type is #TALER_AC_X_TALER_BANK.
-     */
-    struct
-    {
-
-      /**
-       * Bank account base URL.
-       */
-      char *account_base_url;
-
-      /**
-       * Only the hostname of the bank.
-       */
-      char *hostname;
-
-    } x_taler_bank;
-
-    /**
-     * Taler bank address from iban.  Set if
-     * @e type is #TALER_AC_IBAN.
-     */
-    struct
-    {
-
-      /**
-       * IBAN number.
-       */
-      char *number;
-
-    } iban;
-
-  } details;
-};
-
-
-/**
- * Release memory allocated in @a acc.
- *
- * @param acc account to free, the pointer itself is NOT free'd.
- */
-void
-TALER_WIRE_account_free (struct TALER_Account *acc);
-
-
-/**
- * Round the amount to something that can be
- * transferred on the wire.
- *
- * @param[in,out] amount amount to round down
- * @return #GNUNET_OK on success, #GNUNET_NO if rounding was unnecessary,
- *         #GNUNET_SYSERR if the amount or currency was invalid
- */
-int
-TALER_WIRE_amount_round (struct TALER_Amount *amount);
-
-
-/**
- * Parse @a payto_url and store the result in @a acc
- *
- * @param payto_url URL to parse
- * @param acc[in,out] account to initialize, free using #TALER_WIRE_account_free() later
- * @return #TALER_EC_NONE if @a payto_url is well-formed
- */
-enum TALER_ErrorCode
-TALER_WIRE_payto_to_account (const char *payto_url,
-                             struct TALER_Account *acc);
-
-
-/**
- * Obtain the payment method from a @a payto_url
- *
- * @param payto_url the URL to parse
- * @return NULL on error (malformed @a payto_url)
- */
-char *
-TALER_WIRE_payto_get_method (const char *payto_url);
-
-
 #endif
diff --git a/src/json/Makefile.am b/src/json/Makefile.am
index 2ac5df44b..2910d0773 100644
--- a/src/json/Makefile.am
+++ b/src/json/Makefile.am
@@ -18,7 +18,6 @@ libtalerjson_la_LDFLAGS = \
   -export-dynamic -no-undefined
 libtalerjson_la_LIBADD = \
   -lgnunetjson \
-  $(top_builddir)/src/wire/libtalerwire.la \
   $(top_builddir)/src/util/libtalerutil.la \
   -lgnunetutil \
   -ljansson \
diff --git a/src/json/json_wire.c b/src/json/json_wire.c
index 515cd9b63..368508fcc 100644
--- a/src/json/json_wire.c
+++ b/src/json/json_wire.c
@@ -197,7 +197,7 @@ TALER_JSON_wire_to_method (const json_t *wire_s)
                 "Fatally malformed wire record encountered: lacks payto://-url\n");
     return NULL;
   }
-  return TALER_WIRE_payto_get_method (payto_str);
+  return TALER_payto_get_method (payto_str);
 }
 
 
diff --git a/src/lib/Makefile.am b/src/lib/Makefile.am
index 0325df009..9b76073f0 100644
--- a/src/lib/Makefile.am
+++ b/src/lib/Makefile.am
@@ -133,7 +133,6 @@ libtalertesting_la_SOURCES = \
   testing_api_trait_wtid.c
 libtalertesting_la_LIBADD = \
   libtalerexchange.la \
-  $(top_builddir)/src/wire/libtalerwire.la \
   $(top_builddir)/src/json/libtalerjson.la \
   $(top_builddir)/src/util/libtalerutil.la \
   $(top_builddir)/src/bank-lib/libtalerbank.la \
diff --git a/src/lib/exchange_api_wire.c b/src/lib/exchange_api_wire.c
index 787797abe..aff933ba5 100644
--- a/src/lib/exchange_api_wire.c
+++ b/src/lib/exchange_api_wire.c
@@ -301,7 +301,7 @@ handle_wire_finished (void *cls,
             ec = TALER_EC_SERVER_JSON_INVALID;
             break;
           }
-          if (NULL == (method = TALER_WIRE_payto_get_method (wa->url)))
+          if (NULL == (method = TALER_payto_get_method (wa->url)))
           {
             /* bogus reply */
             GNUNET_break_op (0);
diff --git a/src/lib/testing_api_cmd_wire.c b/src/lib/testing_api_cmd_wire.c
index 950ed62f7..387cda5dc 100644
--- a/src/lib/testing_api_cmd_wire.c
+++ b/src/lib/testing_api_cmd_wire.c
@@ -109,7 +109,7 @@ wire_cb (void *cls,
     {
       char *method;
 
-      method = TALER_WIRE_payto_get_method (accounts[i].url);
+      method = TALER_payto_get_method (accounts[i].url);
       if (0 == strcmp (ws->expected_method,
                        method))
       {
diff --git a/src/lib/testing_api_helpers_bank.c b/src/lib/testing_api_helpers_bank.c
index 52227f7b7..1f0617992 100644
--- a/src/lib/testing_api_helpers_bank.c
+++ b/src/lib/testing_api_helpers_bank.c
@@ -17,15 +17,17 @@
   <http://www.gnu.org/licenses/>
 */
 /**
- * @file bank-lib/testing_api_helpers.c
- * @brief convenience functions for bank-lib tests.
+ * @file lib/testing_api_helpers_bank.c
+ * @brief convenience functions for bank tests.
  * @author Marcello Stanisci
+ * @author Christian Grothoff
  */
 #include "platform.h"
 #include <gnunet/gnunet_util_lib.h>
 #include "taler_testing_lib.h"
 #include "taler_fakebank_lib.h"
 
+#define EXCHANGE_ACCOUNT_NAME "2"
 
 #define BANK_FAIL() \
   do {GNUNET_break (0); return NULL; } while (0)
@@ -332,14 +334,23 @@ TALER_TESTING_prepare_bank (const char *config_filename,
     return GNUNET_SYSERR;
   }
   GNUNET_OS_process_destroy (dbreset_proc);
-
+  if (GNUNET_OK !=
+      TALER_BANK_auth_parse_cfg (cfg,
+                                 "account-" EXCHANGE_ACCOUNT_NAME,
+                                 &bc->exchange_auth))
+  {
+    GNUNET_break (0);
+    return GNUNET_SYSERR;
+  }
   GNUNET_asprintf (&bc->bank_url,
                    "http://localhost:%llu/",
                    port);
-  // FIXME: initialize rest of 'bc':
-  bc->exchange_account_url = NULL; // FIXME
-  bc->exchange_auth; // FIXME
-  bc->exchange_payto = TALER_TESTING_make_xtalerbank_payto (bc->bank_url, "2");
+  GNUNET_asprintf (&bc->exchange_account_url,
+                   "%s%s",
+                   bc->bank_url,
+                   EXCHANGE_ACCOUNT_NAME);
+  bc->exchange_payto = TALER_TESTING_make_xtalerbank_payto (bc->bank_url,
+                                                            EXCHANGE_ACCOUNT_NAME);
   bc->user42_payto = TALER_TESTING_make_xtalerbank_payto (bc->bank_url, "42");
   bc->user43_payto = TALER_TESTING_make_xtalerbank_payto (bc->bank_url, "43");
   return GNUNET_OK;
@@ -412,9 +423,11 @@ TALER_TESTING_prepare_fakebank (const char *config_filename,
     return GNUNET_SYSERR;
   }
   bc->bank_url = fakebank_url;
-  // FIXME: initialize rest of 'bc':
-  bc->exchange_account_url = NULL; // FIXME
-  bc->exchange_auth; // FIXME
+  GNUNET_asprintf (&bc->exchange_account_url,
+                   "%s%s",
+                   bc->bank_url,
+                   EXCHANGE_ACCOUNT_NAME);
+  bc->exchange_auth.method = TALER_BANK_AUTH_NONE;
   bc->exchange_payto = TALER_TESTING_make_xtalerbank_payto (bc->bank_url, "2");
   bc->user42_payto = TALER_TESTING_make_xtalerbank_payto (bc->bank_url, "42");
   bc->user43_payto = TALER_TESTING_make_xtalerbank_payto (bc->bank_url, "43");
diff --git a/src/lib/testing_api_helpers_exchange.c b/src/lib/testing_api_helpers_exchange.c
index 1fed38d1b..8f7c75035 100644
--- a/src/lib/testing_api_helpers_exchange.c
+++ b/src/lib/testing_api_helpers_exchange.c
@@ -18,7 +18,7 @@
 */
 
 /**
- * @file exchange-lib/testing_api_helpers.c
+ * @file lib/testing_api_helpers_exchange.c
  * @brief helper functions
  * @author Christian Grothoff
  * @author Marcello Stanisci
@@ -958,4 +958,4 @@ TALER_TESTING_url_port_free (const char *url)
 }
 
 
-/* end of testing_api_helpers.c */
+/* end of testing_api_helpers_exchange.c */
diff --git a/src/util/amount.c b/src/util/amount.c
index 21410c769..edb9dc060 100644
--- a/src/util/amount.c
+++ b/src/util/amount.c
@@ -672,4 +672,25 @@ TALER_amount_divide (struct TALER_Amount *result,
 }
 
 
+/**
+ * Round the amount to something that can be
+ * transferred on the wire.
+ *
+ * @param[in,out] amount amount to round down
+ * @return #GNUNET_OK on success, #GNUNET_NO if rounding was unnecessary,
+ *         #GNUNET_SYSERR if the amount or currency was invalid
+ */
+int
+TALER_amount_round (struct TALER_Amount *amount)
+{
+  uint32_t delta;
+
+  delta = amount->fraction % (TALER_AMOUNT_FRAC_BASE / 100);
+  if (0 == delta)
+    return GNUNET_NO;
+  amount->fraction -= delta;
+  return GNUNET_OK;
+}
+
+
 /* end of amount.c */
diff --git a/src/util/util.c b/src/util/util.c
index fa65fc238..e312e345b 100644
--- a/src/util/util.c
+++ b/src/util/util.c
@@ -744,4 +744,36 @@ TALER_buffer_write_vfstr (struct TALER_Buffer *buf,
 }
 
 
+/**
+ * Prefix of PAYTO URLs.
+ */
+#define PAYTO "payto://"
+
+
+/**
+ * Obtain the payment method from a @a payto_url
+ *
+ * @param payto_url the URL to parse
+ * @return NULL on error (malformed @a payto_url)
+ */
+char *
+TALER_payto_get_method (const char *payto_url)
+{
+  const char *start;
+  const char *end;
+
+  if (0 != strncmp (payto_url,
+                    PAYTO,
+                    strlen (PAYTO)))
+    return NULL;
+  start = &payto_url[strlen (PAYTO)];
+  end = strchr (start,
+                (unsigned char) '/');
+  if (NULL == end)
+    return NULL;
+  return GNUNET_strndup (start,
+                         end - start);
+}
+
+
 /* end of util.c */
diff --git a/src/wire/.gitignore b/src/wire/.gitignore
deleted file mode 100644
index be0231d74..000000000
--- a/src/wire/.gitignore
+++ /dev/null
@@ -1,3 +0,0 @@
-test_wire_plugin
-test_wire_plugin_transactions_test
-test_sepa_wireformat
diff --git a/src/wire/Makefile.am b/src/wire/Makefile.am
deleted file mode 100644
index 2a82282a3..000000000
--- a/src/wire/Makefile.am
+++ /dev/null
@@ -1,22 +0,0 @@
-# This Makefile.am is in the public domain
-AM_CPPFLAGS = -I$(top_srcdir)/src/include
-
-if USE_COVERAGE
-  AM_CFLAGS = --coverage -O0
-  XLIB = -lgcov
-endif
-
-pkgcfgdir = $(prefix)/share/taler/config.d/
-
-lib_LTLIBRARIES = \
-  libtalerwire.la
-
-libtalerwire_la_SOURCES = \
-  payto.c \
-  wire_helper.c
-libtalerwire_la_LIBADD = \
-  -lgnunetutil \
-  $(XLIB)
-libtalerwire_la_LDFLAGS = \
-  -version-info 1:0:0 \
-  -export-dynamic -no-undefined
diff --git a/src/wire/wire_helper.c b/src/wire/wire_helper.c
deleted file mode 100644
index 4b7f092a2..000000000
--- a/src/wire/wire_helper.c
+++ /dev/null
@@ -1,83 +0,0 @@
-/*
-  This file is part of TALER
-  (C) 2018 Taler Systems SA
-
-  TALER is free software; you can redistribute it and/or modify
-  it under the terms of the GNU General Public License as
-  published by the Free Software Foundation; either version 3,
-  or (at your option) any later version.
-
-  TALER is distributed in the hope that it will be useful, but
-  WITHOUT ANY WARRANTY; without even the implied warranty of
-  MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.  See the
-  GNU General Public License for more details.
-
-  You should have received a copy of the GNU General Public
-  License along with TALER; see the file COPYING.  If not, see
-  <http://www.gnu.org/licenses/>
-*/
-
-/**
- * @file wire/wire_helper.c
- * @brief Helper functions for dealing with wire formats
-
- * @author Christian Grothoff <christian@grothoff.org>
- */
-#include "platform.h"
-#include "taler_util.h"
-#include "taler_wire_lib.h"
-
-/**
- * Prefix of PAYTO URLs.
- */
-#define PAYTO "payto://"
-
-
-/**
- * Obtain the payment method from a @a payto_url
- *
- * @param payto_url the URL to parse
- * @return NULL on error (malformed @a payto_url)
- */
-char *
-TALER_WIRE_payto_get_method (const char *payto_url)
-{
-  const char *start;
-  const char *end;
-
-  if (0 != strncmp (payto_url,
-                    PAYTO,
-                    strlen (PAYTO)))
-    return NULL;
-  start = &payto_url[strlen (PAYTO)];
-  end = strchr (start,
-                (unsigned char) '/');
-  if (NULL == end)
-    return NULL;
-  return GNUNET_strndup (start,
-                         end - start);
-}
-
-
-/**
- * Round the amount to something that can be
- * transferred on the wire.
- *
- * @param[in,out] amount amount to round down
- * @return #GNUNET_OK on success, #GNUNET_NO if rounding was unnecessary,
- *         #GNUNET_SYSERR if the amount or currency was invalid
- */
-int
-TALER_WIRE_amount_round (struct TALER_Amount *amount)
-{
-  uint32_t delta;
-
-  delta = amount->fraction % (TALER_AMOUNT_FRAC_BASE / 100);
-  if (0 == delta)
-    return GNUNET_NO;
-  amount->fraction -= delta;
-  return GNUNET_OK;
-}
-
-
-/* end of wire_helper.c */