diff --git a/docs/processor/UTXO Management.md b/docs/processor/UTXO Management.md
index 130f8ce3..8dd20450 100644
--- a/docs/processor/UTXO Management.md	
+++ b/docs/processor/UTXO Management.md	
@@ -130,7 +130,7 @@ Input accumulation refers to transactions which exist to merge inputs. Just as
 there is a `max_outputs_per_tx`, there is a `max_inputs_per_tx`. When the amount
 of inputs belonging to Serai exceeds `max_inputs_per_tx`, a TX merging them is
 created. This TX incurs fees yet has no outputs mapping to burns to amortize
-them over, creating an insolvency.
+them over, accumulating operating costs.
 
 Please note that this merging occurs in parallel to create a logarithmic
 execution, similar to how outputs are also processed in parallel.
@@ -154,18 +154,16 @@ initially filled, yet requires:
 while still risking insolvency, if the actual fees keep increasing in a way
 preventing successful estimation.
 
-The solution Serai implements is to accrue insolvency, tracking each output with
-a virtual amount (the amount it represents on Serai) and the actual amount. When
-the output, or a descendant of it, is used to handle burns, the discrepancy
-between the virtual amount and the amount is amortized over outputs. This
-restores solvency while solely charging the actual fees, making Serai a
-generally insolvent, always eventually solvent system.
+The solution Serai implements is to accrue operating costs, tracking with each
+created transaction the running operating costs. When a created transaction has
+payments out, all of the operating costs incurred so far, which have yet to be
+amortized, are immediately and fully amortized.
 
 There is the concern that a significant amount of outputs could be created,
-which when merged as inputs, create a significant amount of fees as an
-insolvency. This would then be forced onto random users, while the party who
-created the insolvency would then be able to burn their own `sriXYZ` without
-the notable insolvency.
+which when merged as inputs, create a significant amount of operating costs.
+This would then be forced onto random users who burn `sriXYZ` soon after, while
+the party who caused the operating costs would then be able to burn their own
+`sriXYZ` without notable fees.
 
 To describe this attack in its optimal form, assume a sole malicious block
 producer for an external network where `max_inputs_per_tx` is 16. The malicious
diff --git a/processor/src/main.rs b/processor/src/main.rs
index 18a1428c..19b0ed06 100644
--- a/processor/src/main.rs
+++ b/processor/src/main.rs
@@ -23,7 +23,7 @@ mod plan;
 pub use plan::*;
 
 mod networks;
-use networks::{PostFeeBranch, Block, Network, get_latest_block_number, get_block};
+use networks::{Block, Network, get_latest_block_number, get_block};
 #[cfg(feature = "bitcoin")]
 use networks::Bitcoin;
 #[cfg(feature = "monero")]
diff --git a/processor/src/multisigs/db.rs b/processor/src/multisigs/db.rs
index 353bc4f8..4fde8dc3 100644
--- a/processor/src/multisigs/db.rs
+++ b/processor/src/multisigs/db.rs
@@ -45,6 +45,7 @@ impl<N: Network, D: Db> MultisigsDb<N, D> {
     key: &[u8],
     block_number: u64,
     plan: &Plan<N>,
+    operating_costs_at_time: u64,
   ) {
     let id = plan.id();
 
@@ -66,11 +67,12 @@ impl<N: Network, D: Db> MultisigsDb<N, D> {
     {
       let mut buf = block_number.to_le_bytes().to_vec();
       plan.write(&mut buf).unwrap();
+      buf.extend(&operating_costs_at_time.to_le_bytes());
       txn.put(Self::plan_key(&id), &buf);
     }
   }
 
-  pub fn active_plans<G: Get>(getter: &G, key: &[u8]) -> Vec<(u64, Plan<N>)> {
+  pub fn active_plans<G: Get>(getter: &G, key: &[u8]) -> Vec<(u64, Plan<N>, u64)> {
     let signing = getter.get(Self::signing_key(key)).unwrap_or(vec![]);
     let mut res = vec![];
 
@@ -82,12 +84,30 @@ impl<N: Network, D: Db> MultisigsDb<N, D> {
       let block_number = u64::from_le_bytes(buf[.. 8].try_into().unwrap());
       let plan = Plan::<N>::read::<&[u8]>(&mut &buf[8 ..]).unwrap();
       assert_eq!(id, &plan.id());
-      res.push((block_number, plan));
+      let operating_costs = u64::from_le_bytes(buf[(buf.len() - 8) ..].try_into().unwrap());
+      res.push((block_number, plan, operating_costs));
     }
 
     res
   }
 
+  fn operating_costs_key() -> Vec<u8> {
+    Self::multisigs_key(b"operating_costs", [])
+  }
+  pub fn take_operating_costs(txn: &mut D::Transaction<'_>) -> u64 {
+    let existing = txn
+      .get(Self::operating_costs_key())
+      .map(|bytes| u64::from_le_bytes(bytes.try_into().unwrap()))
+      .unwrap_or(0);
+    txn.del(Self::operating_costs_key());
+    existing
+  }
+  pub fn set_operating_costs(txn: &mut D::Transaction<'_>, amount: u64) {
+    if amount != 0 {
+      txn.put(Self::operating_costs_key(), amount.to_le_bytes());
+    }
+  }
+
   pub fn resolved_plan<G: Get>(
     getter: &G,
     tx: <N::Transaction as Transaction<N>>::Id,
diff --git a/processor/src/multisigs/mod.rs b/processor/src/multisigs/mod.rs
index 0071df6c..78bff506 100644
--- a/processor/src/multisigs/mod.rs
+++ b/processor/src/multisigs/mod.rs
@@ -35,8 +35,10 @@ pub mod scheduler;
 use scheduler::Scheduler;
 
 use crate::{
-  Get, Db, Payment, PostFeeBranch, Plan,
-  networks::{OutputType, Output, Transaction, SignableTransaction, Block, Network, get_block},
+  Get, Db, Payment, Plan,
+  networks::{
+    OutputType, Output, Transaction, SignableTransaction, Block, PreparedSend, Network, get_block,
+  },
 };
 
 // InInstructionWithBalance from an external output
@@ -57,8 +59,12 @@ fn instruction_from_output<N: Network>(output: &N::Output) -> Option<InInstructi
   let Ok(shorthand) = Shorthand::decode(&mut data) else { None? };
   let Ok(instruction) = RefundableInInstruction::try_from(shorthand) else { None? };
 
+  let balance = output.balance();
+  // TODO: Decrease amount by
+  // `2 * (the estimation of an input-merging transaction fee) / max_inputs_per_tx`
+
   // TODO2: Set instruction.origin if not set (and handle refunds in general)
-  Some(InInstructionWithBalance { instruction: instruction.instruction, balance: output.balance() })
+  Some(InInstructionWithBalance { instruction: instruction.instruction, balance })
 }
 
 #[derive(Clone, Copy, PartialEq, Eq, Debug)]
@@ -74,7 +80,7 @@ enum RotationStep {
   ClosingExisting,
 }
 
-async fn get_fee<N: Network>(network: &N, block_number: usize) -> N::Fee {
+async fn get_fee_rate<N: Network>(network: &N, block_number: usize) -> N::Fee {
   // TODO2: Use an fee representative of several blocks
   get_block(network, block_number).await.median_fee()
 }
@@ -82,11 +88,12 @@ async fn get_fee<N: Network>(network: &N, block_number: usize) -> N::Fee {
 async fn prepare_send<N: Network>(
   network: &N,
   block_number: usize,
-  fee: N::Fee,
+  fee_rate: N::Fee,
   plan: Plan<N>,
-) -> (Option<(N::SignableTransaction, N::Eventuality)>, Vec<PostFeeBranch>) {
+  operating_costs: u64,
+) -> PreparedSend<N> {
   loop {
-    match network.prepare_send(block_number, plan.clone(), fee).await {
+    match network.prepare_send(block_number, plan.clone(), fee_rate, operating_costs).await {
       Ok(prepared) => {
         return prepared;
       }
@@ -145,18 +152,20 @@ impl<D: Db, N: Network> MultisigManager<D, N> {
 
       // Load any TXs being actively signed
       let key = key.to_bytes();
-      for (block_number, plan) in MultisigsDb::<N, D>::active_plans(raw_db, key.as_ref()) {
+      for (block_number, plan, operating_costs) in
+        MultisigsDb::<N, D>::active_plans(raw_db, key.as_ref())
+      {
         let block_number = block_number.try_into().unwrap();
 
-        let fee = get_fee(network, block_number).await;
+        let fee_rate = get_fee_rate(network, block_number).await;
 
         let id = plan.id();
         info!("reloading plan {}: {:?}", hex::encode(id), plan);
 
         let key_bytes = plan.key.to_bytes();
 
-        let (Some((tx, eventuality)), _) =
-          prepare_send(network, block_number, fee, plan.clone()).await
+        let Some((tx, eventuality)) =
+          prepare_send(network, block_number, fee_rate, plan.clone(), operating_costs).await.tx
         else {
           panic!("previously created transaction is no longer being created")
         };
@@ -666,7 +675,7 @@ impl<D: Db, N: Network> MultisigManager<D, N> {
 
     let res = {
       let mut res = Vec::with_capacity(plans.len());
-      let fee = get_fee(network, block_number).await;
+      let fee_rate = get_fee_rate(network, block_number).await;
 
       for plan in plans {
         let id = plan.id();
@@ -674,18 +683,27 @@ impl<D: Db, N: Network> MultisigManager<D, N> {
 
         let key = plan.key;
         let key_bytes = key.to_bytes();
+
+        let running_operating_costs = MultisigsDb::<N, D>::take_operating_costs(txn);
+
         MultisigsDb::<N, D>::save_active_plan(
           txn,
           key_bytes.as_ref(),
           block_number.try_into().unwrap(),
           &plan,
+          running_operating_costs,
         );
 
         let to_be_forwarded = forwarded_external_outputs.remove(plan.inputs[0].id().as_ref());
         if to_be_forwarded.is_some() {
           assert_eq!(plan.inputs.len(), 1);
         }
-        let (tx, branches) = prepare_send(network, block_number, fee, plan).await;
+        let PreparedSend { tx, post_fee_branches, operating_costs } =
+          prepare_send(network, block_number, fee_rate, plan, running_operating_costs).await;
+        // 'Drop' running_operating_costs to ensure only operating_costs is used from here on out
+        #[allow(unused, clippy::let_unit_value)]
+        let running_operating_costs: () = ();
+        MultisigsDb::<N, D>::set_operating_costs(txn, operating_costs);
 
         // If this is a Plan for an output we're forwarding, we need to save the InInstruction for
         // its output under the amount successfully forwarded
@@ -697,7 +715,7 @@ impl<D: Db, N: Network> MultisigManager<D, N> {
           }
         }
 
-        for branch in branches {
+        for branch in post_fee_branches {
           let existing = self.existing.as_mut().unwrap();
           let to_use = if key == existing.key {
             existing
diff --git a/processor/src/multisigs/scheduler.rs b/processor/src/multisigs/scheduler.rs
index 4d0e42ff..f2d41c09 100644
--- a/processor/src/multisigs/scheduler.rs
+++ b/processor/src/multisigs/scheduler.rs
@@ -322,8 +322,6 @@ impl<N: Network> Scheduler<N> {
     }
 
     for chunk in utxo_chunks.drain(..) {
-      // TODO: While payments have their TXs' fees deducted from themselves, that doesn't hold here
-      // We need the documented, but not yet implemented, virtual amount scheme to solve this
       log::debug!("aggregating a chunk of {} inputs", N::MAX_INPUTS);
       plans.push(Plan {
         key: self.key,
diff --git a/processor/src/networks/bitcoin.rs b/processor/src/networks/bitcoin.rs
index 823b45ce..83b35f86 100644
--- a/processor/src/networks/bitcoin.rs
+++ b/processor/src/networks/bitcoin.rs
@@ -47,8 +47,8 @@ use crate::{
   networks::{
     NetworkError, Block as BlockTrait, OutputType, Output as OutputTrait,
     Transaction as TransactionTrait, SignableTransaction as SignableTransactionTrait,
-    Eventuality as EventualityTrait, EventualitiesTracker, PostFeeBranch, Network, drop_branches,
-    amortize_fee,
+    Eventuality as EventualityTrait, EventualitiesTracker, AmortizeFeeRes, PreparedSend, Network,
+    drop_branches, amortize_fee,
   },
   Plan,
 };
@@ -509,8 +509,8 @@ impl Network for Bitcoin {
     _: usize,
     mut plan: Plan<Self>,
     fee: Fee,
-  ) -> Result<(Option<(SignableTransaction, Self::Eventuality)>, Vec<PostFeeBranch>), NetworkError>
-  {
+    operating_costs: u64,
+  ) -> Result<PreparedSend<Self>, NetworkError> {
     let signable = |plan: &Plan<Self>, tx_fee: Option<_>| {
       let mut payments = vec![];
       for payment in &plan.payments {
@@ -558,23 +558,37 @@ impl Network for Bitcoin {
 
     let tx_fee = match signable(&plan, None) {
       Some(tx) => tx.needed_fee(),
-      None => return Ok((None, drop_branches(&plan))),
+      None => {
+        return Ok(PreparedSend {
+          tx: None,
+          post_fee_branches: drop_branches(&plan),
+          // We expected a change output of sum(inputs) - sum(outputs)
+          // Since we can no longer create this change output, it becomes an operating cost
+          operating_costs: operating_costs +
+            plan.inputs.iter().map(|input| input.amount()).sum::<u64>() -
+            plan.payments.iter().map(|payment| payment.amount).sum::<u64>(),
+        });
+      }
     };
 
-    let branch_outputs = amortize_fee(&mut plan, tx_fee);
+    let AmortizeFeeRes { post_fee_branches, operating_costs } =
+      amortize_fee(&mut plan, operating_costs, tx_fee);
 
     let signable = signable(&plan, Some(tx_fee)).unwrap();
 
+    // TODO: If the change output was dropped by Bitcoin, increase operating costs
+
     let plan_binding_input = *plan.inputs[0].output.outpoint();
     let outputs = signable.outputs().to_vec();
 
-    Ok((
-      Some((
+    Ok(PreparedSend {
+      tx: Some((
         SignableTransaction { transcript: plan.transcript(), actual: signable },
         Eventuality { plan_binding_input, outputs },
       )),
-      branch_outputs,
-    ))
+      post_fee_branches,
+      operating_costs,
+    })
   }
 
   async fn attempt_send(
diff --git a/processor/src/networks/mod.rs b/processor/src/networks/mod.rs
index 113cebb0..46b65c6e 100644
--- a/processor/src/networks/mod.rs
+++ b/processor/src/networks/mod.rs
@@ -209,19 +209,47 @@ pub fn drop_branches<N: Network>(plan: &Plan<N>) -> Vec<PostFeeBranch> {
   branch_outputs
 }
 
+pub struct AmortizeFeeRes {
+  post_fee_branches: Vec<PostFeeBranch>,
+  operating_costs: u64,
+}
+
 // Amortize a fee over the plan's payments
-pub fn amortize_fee<N: Network>(plan: &mut Plan<N>, tx_fee: u64) -> Vec<PostFeeBranch> {
-  // No payments to amortize over
-  if plan.payments.is_empty() {
-    return vec![];
-  }
+pub fn amortize_fee<N: Network>(
+  plan: &mut Plan<N>,
+  operating_costs: u64,
+  tx_fee: u64,
+) -> AmortizeFeeRes {
+  let total_fee = {
+    let mut total_fee = tx_fee;
+    // Since we're creating a change output, letting us recoup coins, amortize the operating costs
+    // as well
+    if plan.change.is_some() {
+      total_fee += operating_costs;
+    }
+    total_fee
+  };
 
   let original_outputs = plan.payments.iter().map(|payment| payment.amount).sum::<u64>();
+  // If this isn't enough for the total fee, drop and move on
+  if original_outputs < total_fee {
+    let mut remaining_operating_costs = operating_costs;
+    if plan.change.is_some() {
+      // Operating costs increase by the TX fee
+      remaining_operating_costs += tx_fee;
+      // Yet decrease by the payments we managed to drop
+      remaining_operating_costs = remaining_operating_costs.saturating_sub(original_outputs);
+    }
+    return AmortizeFeeRes {
+      post_fee_branches: drop_branches(plan),
+      operating_costs: remaining_operating_costs,
+    };
+  }
 
   // Amortize the transaction fee across outputs
   let mut payments_len = u64::try_from(plan.payments.len()).unwrap();
   // Use a formula which will round up
-  let per_output_fee = |payments| (tx_fee + (payments - 1)) / payments;
+  let per_output_fee = |payments| (total_fee + (payments - 1)) / payments;
 
   let post_fee = |payment: &Payment<N>, per_output_fee| {
     let mut post_fee = payment.amount.checked_sub(per_output_fee);
@@ -266,9 +294,26 @@ pub fn amortize_fee<N: Network>(plan: &mut Plan<N>, tx_fee: u64) -> Vec<PostFeeB
 
   // Sanity check the fee wa successfully amortized
   let new_outputs = plan.payments.iter().map(|payment| payment.amount).sum::<u64>();
-  assert!((new_outputs + tx_fee) <= original_outputs);
+  assert!((new_outputs + total_fee) <= original_outputs);
 
-  branch_outputs
+  AmortizeFeeRes {
+    post_fee_branches: branch_outputs,
+    operating_costs: if plan.change.is_none() {
+      // If the change is None, this had no effect on the operating costs
+      operating_costs
+    } else {
+      // Since the change is some, and we successfully amortized, the operating costs were recouped
+      0
+    },
+  }
+}
+
+pub struct PreparedSend<N: Network> {
+  /// None for the transaction if the SignableTransaction was dropped due to lack of value.
+  pub tx: Option<(N::SignableTransaction, N::Eventuality)>,
+  pub post_fee_branches: Vec<PostFeeBranch>,
+  /// The updated operating costs after preparing this transaction.
+  pub operating_costs: u64,
 }
 
 #[async_trait]
@@ -364,18 +409,15 @@ pub trait Network: 'static + Send + Sync + Clone + PartialEq + Eq + Debug {
   ) -> HashMap<[u8; 32], (usize, Self::Transaction)>;
 
   /// Prepare a SignableTransaction for a transaction.
-  ///
-  /// Returns None for the transaction if the SignableTransaction was dropped due to lack of value.
-  #[rustfmt::skip]
+  // TODO: These have common code inside them
+  // Provide prepare_send, have coins offers prepare_send_inner
   async fn prepare_send(
     &self,
     block_number: usize,
     plan: Plan<Self>,
-    fee: Self::Fee,
-  ) -> Result<
-    (Option<(Self::SignableTransaction, Self::Eventuality)>, Vec<PostFeeBranch>),
-    NetworkError
-  >;
+    fee_rate: Self::Fee,
+    running_operating_costs: u64,
+  ) -> Result<PreparedSend<Self>, NetworkError>;
 
   /// Attempt to sign a SignableTransaction.
   async fn attempt_send(
diff --git a/processor/src/networks/monero.rs b/processor/src/networks/monero.rs
index 71d0027e..8958abf4 100644
--- a/processor/src/networks/monero.rs
+++ b/processor/src/networks/monero.rs
@@ -38,8 +38,8 @@ use crate::{
   networks::{
     NetworkError, Block as BlockTrait, OutputType, Output as OutputTrait,
     Transaction as TransactionTrait, SignableTransaction as SignableTransactionTrait,
-    Eventuality as EventualityTrait, EventualitiesTracker, PostFeeBranch, Network, drop_branches,
-    amortize_fee,
+    Eventuality as EventualityTrait, EventualitiesTracker, AmortizeFeeRes, PreparedSend, Network,
+    drop_branches, amortize_fee,
   },
 };
 
@@ -399,7 +399,8 @@ impl Network for Monero {
     block_number: usize,
     mut plan: Plan<Self>,
     fee: Fee,
-  ) -> Result<(Option<(SignableTransaction, Eventuality)>, Vec<PostFeeBranch>), NetworkError> {
+    operating_costs: u64,
+  ) -> Result<PreparedSend<Self>, NetworkError> {
     // Sanity check this has at least one output planned
     assert!((!plan.payments.is_empty()) || plan.change.is_some());
 
@@ -522,20 +523,28 @@ impl Network for Monero {
 
     let tx_fee = match signable(plan.clone(), None)? {
       Some(tx) => tx.fee(),
-      None => return Ok((None, drop_branches(&plan))),
+      None => {
+        return Ok(PreparedSend {
+          tx: None,
+          post_fee_branches: drop_branches(&plan),
+          // We expected a change output of sum(inputs) - sum(outputs)
+          // Since we can no longer create this change output, it becomes an operating cost
+          operating_costs: operating_costs +
+            plan.inputs.iter().map(|input| input.amount()).sum::<u64>() -
+            plan.payments.iter().map(|payment| payment.amount).sum::<u64>(),
+        });
+      }
     };
 
-    let branch_outputs = amortize_fee(&mut plan, tx_fee);
+    let AmortizeFeeRes { post_fee_branches, operating_costs } =
+      amortize_fee(&mut plan, operating_costs, tx_fee);
 
-    let signable = SignableTransaction {
-      transcript,
-      actual: match signable(plan, Some(tx_fee))? {
-        Some(signable) => signable,
-        None => return Ok((None, branch_outputs)),
-      },
-    };
+    // TODO: If the change output was dropped by Monero, increase operating costs
+
+    let signable =
+      SignableTransaction { transcript, actual: signable(plan, Some(tx_fee))?.unwrap() };
     let eventuality = signable.actual.eventuality().unwrap();
-    Ok((Some((signable, eventuality)), branch_outputs))
+    Ok(PreparedSend { tx: Some((signable, eventuality)), post_fee_branches, operating_costs })
   }
 
   async fn attempt_send(
diff --git a/processor/src/plan.rs b/processor/src/plan.rs
index 3f005865..7cea2d07 100644
--- a/processor/src/plan.rs
+++ b/processor/src/plan.rs
@@ -74,7 +74,19 @@ impl<N: Network> Payment<N> {
 pub struct Plan<N: Network> {
   pub key: <N::Curve as Ciphersuite>::G,
   pub inputs: Vec<N::Output>,
+  /// The payments this Plan is inteded to create.
+  ///
+  /// This should only contain payments leaving Serai. While it is acceptable for users to enter
+  /// Serai's address(es) as the payment address, as that'll be handled by anything which expects
+  /// certain properties, Serai as a system MUST NOT use payments for internal transfers. Doing
+  /// so will cause a reduction in their value by the TX fee/operating costs, creating an
+  /// incomplete transfer.
   pub payments: Vec<Payment<N>>,
+  /// The change this Plan should use.
+  ///
+  /// This MUST contain a Serai address. Operating costs may be deducted from the payments in this
+  /// Plan on the premise that the change address is Serai's, and accordingly, Serai will recoup
+  /// the operating costs.
   pub change: Option<N::Address>,
 }
 impl<N: Network> core::fmt::Debug for Plan<N> {
diff --git a/processor/src/tests/addresses.rs b/processor/src/tests/addresses.rs
index 9d726e03..44b470a6 100644
--- a/processor/src/tests/addresses.rs
+++ b/processor/src/tests/addresses.rs
@@ -42,10 +42,11 @@ async fn spend<N: Network, D: Db>(
               change: Some(N::change_address(key)),
             },
             network.get_fee().await,
+            0,
           )
           .await
           .unwrap()
-          .0
+          .tx
           .unwrap(),
       ),
     );
diff --git a/processor/src/tests/signer.rs b/processor/src/tests/signer.rs
index c5a0e6c5..88c4b5e3 100644
--- a/processor/src/tests/signer.rs
+++ b/processor/src/tests/signer.rs
@@ -171,10 +171,11 @@ pub async fn test_signer<N: Network>(network: N) {
           change: Some(N::change_address(key)),
         },
         fee,
+        0,
       )
       .await
       .unwrap()
-      .0
+      .tx
       .unwrap();
 
     eventualities.push(eventuality.clone());
diff --git a/processor/src/tests/wallet.rs b/processor/src/tests/wallet.rs
index 8bb84d45..aaf777b1 100644
--- a/processor/src/tests/wallet.rs
+++ b/processor/src/tests/wallet.rs
@@ -96,10 +96,10 @@ pub async fn test_wallet<N: Network>(network: N) {
   let mut eventualities = vec![];
   for (i, keys) in keys.drain() {
     let (signable, eventuality) = network
-      .prepare_send(network.get_block_number(&block_id).await, plans[0].clone(), fee)
+      .prepare_send(network.get_block_number(&block_id).await, plans[0].clone(), fee, 0)
       .await
       .unwrap()
-      .0
+      .tx
       .unwrap();
 
     eventualities.push(eventuality.clone());