diff --git a/app/src/main/java/com/coinblesk/client/MainActivity.java b/app/src/main/java/com/coinblesk/client/MainActivity.java
index 13f4705..91e8b80 100644
--- a/app/src/main/java/com/coinblesk/client/MainActivity.java
+++ b/app/src/main/java/com/coinblesk/client/MainActivity.java
@@ -473,13 +473,21 @@ public void onServiceConnected(ComponentName className, IBinder binder) {
             walletServiceBinder = (WalletService.WalletServiceBinder) binder;
             initPeers();
 
-            if (SharedPrefUtils.isMultisig2of2ToCltvForwardingEnabled(MainActivity.this)) {
-                new Multisig2of2ToCltvForwardTask(MainActivity.this,
-                        walletServiceBinder,
-                        walletServiceBinder.getMultisigClientKey(),
-                        walletServiceBinder.getMultisigServerKey())
-                        .execute();
-            }
+
+            walletServiceBinder.onWalletLoaded(new Runnable(){
+                @Override
+                public void run() {
+                    if (SharedPrefUtils.isMultisig2of2ToCltvForwardingEnabled(MainActivity.this)) {
+                        new Multisig2of2ToCltvForwardTask(MainActivity.this,
+                                walletServiceBinder,
+                                walletServiceBinder.getMultisigClientKey(),
+                                walletServiceBinder.getMultisigServerKey())
+                                .execute();
+                    }
+                }
+            });
+
+
 
         }
 
diff --git a/payments/src/main/java/com/coinblesk/payments/WalletService.java b/payments/src/main/java/com/coinblesk/payments/WalletService.java
index 69708f2..8add3b7 100644
--- a/payments/src/main/java/com/coinblesk/payments/WalletService.java
+++ b/payments/src/main/java/com/coinblesk/payments/WalletService.java
@@ -199,8 +199,12 @@ protected void onSetupCompleted() {
                         keyExchange();
                         loadKeysIfExist();
                     }
+
                     initAddresses();
 
+                    if(walletLRunnable!=null) {
+                        walletLRunnable.run();
+                    }
                     appKitInitDone = true;
                     broadcastBalanceChanged();
                 } catch (Exception e) {
@@ -1283,8 +1287,21 @@ public boolean isReady() {
         public void restartWalletService() {
             WalletService.this.restartWalletService();
         }
+
+
+        public void onWalletLoaded(Runnable walletLRunnable) {
+
+            if(getMultisigClientKey() != null && getMultisigServerKey()!=null) {
+                walletLRunnable.run();
+                WalletService.this.walletLRunnable = null;
+            } else {
+                WalletService.this.walletLRunnable = walletLRunnable;
+            }
+        }
     }
 
+    private Runnable walletLRunnable;
+
     private class CoinbleskWalletEventListener implements WalletCoinsReceivedEventListener,
                                                           WalletCoinsSentEventListener,
                                                           ScriptsChangeEventListener,
diff --git a/payments/src/main/java/com/coinblesk/payments/communications/peers/nfc/NFCClientServiceCLTV.java b/payments/src/main/java/com/coinblesk/payments/communications/peers/nfc/NFCClientServiceCLTV.java
index 4e92bbe..e976fb0 100644
--- a/payments/src/main/java/com/coinblesk/payments/communications/peers/nfc/NFCClientServiceCLTV.java
+++ b/payments/src/main/java/com/coinblesk/payments/communications/peers/nfc/NFCClientServiceCLTV.java
@@ -22,6 +22,7 @@
 import com.coinblesk.der.DERObject;
 import com.coinblesk.der.DERParser;
 import com.coinblesk.payments.WalletService;
+import com.coinblesk.payments.communications.PaymentError;
 import com.coinblesk.payments.communications.PaymentException;
 import com.coinblesk.payments.communications.steps.cltv.PaymentFinalizeStep;
 import com.coinblesk.payments.communications.steps.cltv.PaymentRequestReceiveStep;
@@ -294,7 +295,11 @@ public void run() {
             } catch (PaymentException pe) {
                 approveAddress = null;
                 approveAmount = null;
-                broadcastInsufficientBalance();
+                if(pe.getErrorCode() == PaymentError.INSUFFICIENT_FUNDS) {
+                    broadcastInsufficientBalance();
+                } else {
+                    broadcastError();
+                }
                 long duration = System.currentTimeMillis() - processStartTime;
                 Log.d(TAG, "Payment not completed: " + duration + "ms");
                 pe.printStackTrace();
@@ -373,6 +378,13 @@ private void broadcastInsufficientBalance() {
                 .sendBroadcast(insufficientBalance);
     }
 
+    private void broadcastError() {
+        Intent intent = new Intent(Constants.WALLET_ERROR_ACTION);
+        LocalBroadcastManager
+                .getInstance(NFCClientServiceCLTV.this)
+                .sendBroadcast(intent);
+    }
+
     private void broadcastInstantPaymentSuccess() {
         Intent instantPaymentSuccess = new Intent(Constants.INSTANT_PAYMENT_SUCCESSFUL_ACTION);
         LocalBroadcastManager