diff --git a/lib/app.js b/lib/app.js
index 5c5d65ce..88d3d17a 100644
--- a/lib/app.js
+++ b/lib/app.js
@@ -35,10 +35,10 @@ function runOnce () {
   const seedPath = options.seedPath || './seeds/seed.txt'
   plugins.init(seedPath)
 
-  return settingsLoader.settings()
+  return settingsLoader.load()
   .then(settings => {
     plugins.startPolling()
-    plugins.startCheckingNotification(settings.config)
+    plugins.startCheckingNotification()
 
     const httpsServerOptions = {
       key: fs.readFileSync(options.keyPath),
diff --git a/lib/exchange.js b/lib/exchange.js
index 45f09ed5..410465b8 100644
--- a/lib/exchange.js
+++ b/lib/exchange.js
@@ -1,8 +1,10 @@
 const configManager = require('./config-manager')
+const settingsLoader = require('./settings-loader')
 
-function fetchExchange (settings, cryptoCode) {
+function fetchExchange (cryptoCode) {
   return Promise.resolve()
   .then(() => {
+    const settings = settingsLoader.settings
     const plugin = configManager.cryptoScoped(cryptoCode, settings.config).cryptoServices.wallet
     if (!plugin) throw new Error('No exchange plugin defined for: ' + cryptoCode)
     const account = settings.accounts.plugin
@@ -12,18 +14,18 @@ function fetchExchange (settings, cryptoCode) {
   })
 }
 
-function buy (settings, cryptoAtoms, fiatCode, cryptoCode) {
-  return fetchExchange(settings, cryptoCode)
+function buy (cryptoAtoms, fiatCode, cryptoCode) {
+  return fetchExchange(cryptoCode)
   .then(r => r.exchange.buy(r.account, cryptoAtoms, fiatCode, cryptoCode))
 }
 
-function sell (settings, cryptoAtoms, fiatCode, cryptoCode) {
-  return fetchExchange(settings, cryptoCode)
+function sell (cryptoAtoms, fiatCode, cryptoCode) {
+  return fetchExchange(cryptoCode)
   .then(r => r.exchange.sell(r.account, cryptoAtoms, fiatCode, cryptoCode))
 }
 
-function active (settings, cryptoCode) {
-  return fetchExchange(settings, cryptoCode)
+function active (cryptoCode) {
+  return fetchExchange(cryptoCode)
   .then(() => true)
   .catch(() => false)
 }
diff --git a/lib/notifier.js b/lib/notifier.js
index 894550ec..8e1f75fe 100644
--- a/lib/notifier.js
+++ b/lib/notifier.js
@@ -1,23 +1,20 @@
-var crypto = require('crypto')
-var R = require('ramda')
-var prettyMs = require('pretty-ms')
-var numeral = require('numeral')
-var db = null
-var getBalances = null
+const crypto = require('crypto')
+const R = require('ramda')
+const prettyMs = require('pretty-ms')
+const numeral = require('numeral')
 
-var LOW_BALANCE_THRESHOLD = null
-var STALE_STATE = 2 * 60 * 1000
-var NETWORK_DOWN_TIME = 60 * 1000
+const configManager = require('./config-manager')
+const settingsLoader = require('./settingsLoader')
+const db = require('./postgresql_interface')
 
-function init (_db, _getBalances, config) {
-  db = _db
+const STALE_STATE = 2 * 60 * 1000
+const NETWORK_DOWN_TIME = 60 * 1000
+
+let getBalances
+
+function init (_getBalances) {
   getBalances = _getBalances
-
-  if (config && config.lowBalanceThreshold) {
-    LOW_BALANCE_THRESHOLD = config.lowBalanceThreshold
-  }
 }
-exports.init = init
 
 function toInt10 (str) { return parseInt(str, 10) }
 
@@ -30,7 +27,10 @@ function sameState (a, b) {
 }
 
 function checkBalance (rec) {
-  return LOW_BALANCE_THRESHOLD && rec.fiatBalance < LOW_BALANCE_THRESHOLD
+  const settings = settingsLoader.settings
+  const config = configManager.unscoped(settings.config)
+  const lowBalanceThreshold = config.notifications.lowBalanceThreshold
+  return lowBalanceThreshold && rec.fiatBalance < lowBalanceThreshold
   ? {code: 'lowBalance', cryptoCode: rec.cryptoCode, fiatBalance: rec.fiatBalance, fiatCode: rec.fiatCode}
   : null
 }
@@ -41,14 +41,14 @@ function checkBalances () {
 }
 
 function checkPing (deviceEvents) {
-  var sortedEvents = R.sortBy(R.compose(toInt10, R.prop('device_time')), R.map(jsonParse, deviceEvents))
-  var lastEvent = R.last(sortedEvents)
+  const sortedEvents = R.sortBy(R.compose(toInt10, R.prop('device_time')), R.map(jsonParse, deviceEvents))
+  const lastEvent = R.last(sortedEvents)
 
   if (!lastEvent) {
     return [{code: 'ping'}]
   }
 
-  var age = Math.floor(lastEvent.age)
+  const age = Math.floor(lastEvent.age)
   if (age > NETWORK_DOWN_TIME) {
     return [{code: 'ping', age: age}]
   }
@@ -57,22 +57,22 @@ function checkPing (deviceEvents) {
 }
 
 function checkStuckScreen (deviceEvents) {
-  var sortedEvents = R.sortBy(R.compose(toInt10, R.prop('device_time')), R.map(jsonParse, deviceEvents))
-  var noRepeatEvents = R.dropRepeatsWith(sameState, sortedEvents)
-  var lastEvent = R.last(noRepeatEvents)
+  const sortedEvents = R.sortBy(R.compose(toInt10, R.prop('device_time')), R.map(jsonParse, deviceEvents))
+  const noRepeatEvents = R.dropRepeatsWith(sameState, sortedEvents)
+  const lastEvent = R.last(noRepeatEvents)
 
   if (!lastEvent) {
     return []
   }
 
-  var state = lastEvent.note.state
-  var isIdle = lastEvent.note.isIdle
+  const state = lastEvent.note.state
+  const isIdle = lastEvent.note.isIdle
 
   if (isIdle) {
     return []
   }
 
-  var age = Math.floor(lastEvent.age)
+  const age = Math.floor(lastEvent.age)
   if (age > STALE_STATE) {
     return [{code: 'stale', state: state, age: age}]
   }
@@ -86,24 +86,22 @@ function devicesAndEvents () {
 }
 
 function checkStatus () {
-  var alerts = {devices: {}, deviceNames: {}}
+  const alerts = {devices: {}, deviceNames: {}}
 
   return Promise.all([checkBalances(), devicesAndEvents()])
   .then(([balances, rec]) => {
-    var devices = rec.devices
-    var events = rec.events
+    const devices = rec.devices
+    const events = rec.events
 
     alerts.general = balances
     devices.forEach(function (deviceRow) {
-      var deviceId = deviceRow.device_id
-      var deviceName = deviceRow.name || deviceId
-      var deviceEvents = events.filter(function (eventRow) {
+      const deviceId = deviceRow.device_id
+      const deviceName = deviceRow.name || deviceId
+      const deviceEvents = events.filter(function (eventRow) {
         return eventRow.device_id === deviceId
       })
 
-      var deviceAlerts = []
-      deviceAlerts = R.concat(deviceAlerts, checkStuckScreen(deviceEvents))
-      deviceAlerts = R.concat(deviceAlerts, checkPing(deviceEvents))
+      const deviceAlerts = checkStuckScreen(deviceEvents).concat(checkPing(deviceEvents))
 
       alerts.devices[deviceId] = deviceAlerts
       alerts.deviceNames[deviceId] = deviceName
@@ -112,7 +110,6 @@ function checkStatus () {
     return alerts
   })
 }
-exports.checkStatus = checkStatus
 
 function formatCurrency (num, code) {
   return numeral(num).format('0,0.00') + ' ' + code
@@ -122,15 +119,15 @@ function emailAlert (alert) {
   switch (alert.code) {
     case 'ping':
       if (alert.age) {
-        var pingAge = prettyMs(alert.age, {compact: true, verbose: true})
+        const pingAge = prettyMs(alert.age, {compact: true, verbose: true})
         return 'Connection to machine down for ' + pingAge
       }
       return 'Machine down for a while or never connected'
     case 'stale':
-      var stuckAge = prettyMs(alert.age, {compact: true, verbose: true})
+      const stuckAge = prettyMs(alert.age, {compact: true, verbose: true})
       return 'Machine is stuck on ' + alert.state + 'screen for ' + stuckAge
     case 'lowBalance':
-      var balance = formatCurrency(alert.fiatBalance, alert.fiatCode)
+      const balance = formatCurrency(alert.fiatBalance, alert.fiatCode)
       return 'Low balance of ' + balance + ' in ' + alert.cryptoCode + ' wallet'
   }
 }
@@ -140,7 +137,7 @@ function emailAlerts (alerts) {
 }
 
 function printEmailAlerts (alertRec) {
-  var body = 'Errors were reported by your Lamassu Machines.\n'
+  let body = 'Errors were reported by your Lamassu Machines.\n'
 
   if (alertRec.general.length !== 0) {
     body = body + '\nGeneral errors:\n'
@@ -148,29 +145,34 @@ function printEmailAlerts (alertRec) {
   }
 
   R.keys(alertRec.devices).forEach(function (device) {
-    var deviceName = alertRec.deviceNames[device]
+    const deviceName = alertRec.deviceNames[device]
     body = body + '\nErrors for ' + deviceName + ':\n'
     body = body + emailAlerts(alertRec.devices[device])
   })
 
   return body
 }
-exports.printEmailAlerts = printEmailAlerts
 
 function alertSubject (alertRec) {
-  var alerts = alertRec.general
+  let alerts = alertRec.general
   R.keys(alertRec.devices).forEach(function (device) {
     alerts = R.concat(alerts, alertRec.devices[device])
   })
   if (alerts.length === 0) return null
-  var alertTypes = R.uniq(R.pluck('code', alerts)).sort()
+  const alertTypes = R.uniq(R.pluck('code', alerts)).sort()
   return '[Lamassu] Errors reported: ' + alertTypes.join(', ')
 }
-exports.alertSubject = alertSubject
 
 function alertFingerprint (alertRec) {
-  var subject = alertSubject(alertRec)
+  const subject = alertSubject(alertRec)
   if (!subject) return null
   return crypto.createHash('sha256').update(subject).digest('hex')
 }
-exports.alertFingerprint = alertFingerprint
+
+module.exports = {
+  init,
+  checkStatus,
+  printEmailAlerts,
+  alertFingerprint,
+  alertSubject
+}
diff --git a/lib/plugins.js b/lib/plugins.js
index fd2d4c27..9833420f 100644
--- a/lib/plugins.js
+++ b/lib/plugins.js
@@ -11,7 +11,7 @@ const logger = require('./logger')
 const notifier = require('./notifier')
 const T = require('./time')
 const configManager = require('./config-manager')
-const settingsLoader = require('./settings-loader')
+const settingsLoader = require('./settingsLoader')
 const ticker = require('./ticker')
 const wallet = require('./wallet')
 const exchange = require('./exchange')
@@ -47,7 +47,8 @@ let lastAlertTime = null
 
 exports.logEvent = db.recordDeviceEvent
 
-function buildRates (settings, deviceId, tickers) {
+function buildRates (deviceId, tickers) {
+  const settings = settingsLoader.settings
   const config = configManager.machineScoped(deviceId, settings.config)
   const cryptoCodes = config.currencies.cryptoCurrencies
 
@@ -69,7 +70,8 @@ function buildRates (settings, deviceId, tickers) {
   return rates
 }
 
-function buildBalances (settings, deviceId, balanceRecs) {
+function buildBalances (deviceId, balanceRecs) {
+  const settings = settingsLoader.settings
   const config = configManager.machineScoped(deviceId, settings.config)
   const cryptoCodes = config.currencies.cryptoCurrencies
 
@@ -102,7 +104,8 @@ function buildCartridges (cartridges, virtualCartridges, rec) {
   }
 }
 
-exports.pollQueries = function pollQueries (settings, deviceTime, deviceId, deviceRec) {
+exports.pollQueries = function pollQueries (deviceTime, deviceId, deviceRec) {
+  const settings = settingsLoader.settings
   const config = configManager.machineScoped(deviceId, settings.config)
   const fiatCode = config.currencies.fiatCurrency
   const cryptoCodes = config.currencies.cryptoCurrencies
@@ -110,8 +113,8 @@ exports.pollQueries = function pollQueries (settings, deviceTime, deviceId, devi
     config.currencies.bottomCashOutDenomination ]
   const virtualCartridges = [config.currencies.virtualCashOutDenomination]
 
-  const tickerPromises = cryptoCodes.map(c => ticker.getRates(settings, fiatCode, c))
-  const balancePromises = cryptoCodes.map(c => wallet.balance(settings, c))
+  const tickerPromises = cryptoCodes.map(c => ticker.getRates(fiatCode, c))
+  const balancePromises = cryptoCodes.map(wallet.balance)
   const pingPromise = recordPing(deviceId, deviceTime, deviceRec)
 
   const promises = [db.cartridgeCounts(deviceId), pingPromise].concat(tickerPromises, balancePromises)
@@ -124,8 +127,8 @@ exports.pollQueries = function pollQueries (settings, deviceTime, deviceId, devi
 
     return {
       cartridges: buildCartridges(cartridges, virtualCartridges, cartridgeCounts),
-      rates: buildRates(settings, deviceId, tickers),
-      balances: buildBalances(settings, deviceId, balances)
+      rates: buildRates(deviceId, tickers),
+      balances: buildBalances(deviceId, balances)
     }
   })
 }
@@ -224,7 +227,8 @@ exports.cashOut = function cashOut (deviceId, tx) {
   })
 }
 
-exports.dispenseAck = function (settings, deviceId, tx) {
+exports.dispenseAck = function (deviceId, tx) {
+  const settings = settingsLoader.settings
   const config = configManager.machineScoped(deviceId, settings.config)
   const cartridges = [ config.currencies.topCashOutDenomination,
     config.currencies.bottomCashOutDenomination ]
@@ -232,7 +236,8 @@ exports.dispenseAck = function (settings, deviceId, tx) {
   return db.addDispense(deviceId, tx, cartridges)
 }
 
-function fiatBalance (settings, fiatCode, cryptoCode, deviceId) {
+function fiatBalance (fiatCode, cryptoCode, deviceId) {
+  const settings = settingsLoader.settings
   const config = configManager.scoped(cryptoCode, deviceId, settings.config)
 
   return Promise.all([ticker.ticker(cryptoCode), wallet.balance(cryptoCode)])
@@ -257,8 +262,8 @@ function fiatBalance (settings, fiatCode, cryptoCode, deviceId) {
   })
 }
 
-function processTxStatus (settings, tx) {
-  return wallet.getStatus(settings, tx.toAddress, tx.cryptoAtoms, tx.cryptoCode)
+function processTxStatus (tx) {
+  return wallet.getStatus(tx.toAddress, tx.cryptoAtoms, tx.cryptoCode)
   .then(res => db.updateTxStatus(tx, res.status))
 }
 
@@ -280,29 +285,23 @@ function notifyConfirmation (tx) {
 function monitorLiveIncoming () {
   const statuses = ['notSeen', 'published', 'insufficientFunds']
 
-  return settingsLoader.settings()
-  .then(settings => {
-    return db.fetchOpenTxs(statuses, STALE_LIVE_INCOMING_TX_AGE)
-    .then(txs => Promise.all(txs.map(r => processTxStatus(settings, r))))
-  })
+  return db.fetchOpenTxs(statuses, STALE_LIVE_INCOMING_TX_AGE)
+  .then(txs => Promise.all(txs.map(processTxStatus)))
   .catch(logger.error)
 }
 
 function monitorIncoming () {
   const statuses = ['notSeen', 'published', 'authorized', 'instant', 'rejected', 'insufficientFunds']
 
-  return settingsLoader.settings()
-  .then(settings => {
-    db.fetchOpenTxs(statuses, STALE_INCOMING_TX_AGE)
-    .then(txs => Promise.all(txs.map(r => processTxStatus(settings, r))))
-  })
+  return db.fetchOpenTxs(statuses, STALE_INCOMING_TX_AGE)
+  .then(txs => Promise.all(txs.map(processTxStatus)))
   .catch(logger.error)
 }
 
 function monitorUnnotified () {
   db.fetchUnnotifiedTxs(MAX_NOTIFY_AGE, MIN_NOTIFY_AGE)
   .then(txs => Promise.all(txs.map(notifyConfirmation)))
-  .catch(err => logger.error(err))
+  .catch(logger.error)
 }
 
 /*
@@ -368,24 +367,22 @@ function consolidateTrades (cryptoCode, fiatCode) {
 }
 
 function executeTrades () {
-  return settingsLoader()
-  .then(settings => {
-    const config = settings.config
-    return db.devices()
-    .then(devices => {
-      const deviceIds = devices.map(device => device.device_id)
-      const lists = deviceIds.map(deviceId => {
-        const currencies = configManager.machineScoped(deviceId, config).currencies
-        const fiatCode = currencies.fiatCurrency
-        const cryptoCodes = currencies.cryptoCurrencies
-        return cryptoCodes.map(cryptoCode => ({fiatCode, cryptoCode}))
-      })
-
-      const tradesPromises = R.uniq(R.flatten(lists))
-      .map(r => executeTradesForMarket(settings, r.fiatCode, r.cryptoCode))
-
-      return Promise.all(tradesPromises)
+  const settings = settingsLoader.settings
+  const config = settings.config
+  return db.devices()
+  .then(devices => {
+    const deviceIds = devices.map(device => device.device_id)
+    const lists = deviceIds.map(deviceId => {
+      const currencies = configManager.machineScoped(deviceId, config).currencies
+      const fiatCode = currencies.fiatCurrency
+      const cryptoCodes = currencies.cryptoCurrencies
+      return cryptoCodes.map(cryptoCode => ({fiatCode, cryptoCode}))
     })
+
+    const tradesPromises = R.uniq(R.flatten(lists))
+    .map(r => executeTradesForMarket(settings, r.fiatCode, r.cryptoCode))
+
+    return Promise.all(tradesPromises)
   })
   .catch(logger.error)
 }
@@ -470,11 +467,12 @@ function checkNotification () {
   })
 }
 
-function checkDeviceBalances (settings, deviceId) {
+function checkDeviceBalances (deviceId) {
+  const settings = settingsLoader.settings
   const config = configManager.machineScoped(deviceId, settings.config)
   const cryptoCodes = config.currencies.cryptoCurrencies
   const fiatCode = config.currencies.fiatCurrency
-  const fiatBalancePromises = cryptoCodes.map(c => fiatBalance(settings, fiatCode, c, deviceId))
+  const fiatBalancePromises = cryptoCodes.map(c => fiatBalance(fiatCode, c, deviceId))
 
   return Promise.all(fiatBalancePromises)
   .then(arr => {
@@ -487,11 +485,11 @@ function checkDeviceBalances (settings, deviceId) {
   })
 }
 
-function checkBalances (settings) {
+function checkBalances () {
   return db.devices()
   .then(devices => {
     const deviceIds = devices.map(r => r.device_id)
-    const deviceBalancePromises = deviceIds.map(deviceId => checkDeviceBalances(settings, deviceId))
+    const deviceBalancePromises = deviceIds.map(deviceId => checkDeviceBalances(deviceId))
 
     return Promise.all(deviceBalancePromises)
     .then(arr => {
@@ -503,7 +501,7 @@ function checkBalances (settings) {
 }
 
 exports.startCheckingNotification = function startCheckingNotification (config) {
-  notifier.init(db, checkBalances, config.notifications)
+  notifier.init(checkBalances)
   checkNotification()
   setInterval(checkNotification, CHECK_NOTIFICATION_INTERVAL)
 }
diff --git a/lib/routes.js b/lib/routes.js
index ec913731..fe423435 100644
--- a/lib/routes.js
+++ b/lib/routes.js
@@ -22,20 +22,11 @@ const REQUEST_TTL = 3 * 60 * 1000
 const pids = {}
 const reboots = {}
 
-function loadSettings (req, res, next) {
-  settingsLoader.settings()
-  .then(settings => {
-    req.settings = settings
-    next()
-  })
-  .catch(next)
-}
-
 function poll (req, res, next) {
   const deviceId = req.deviceId
   const deviceTime = req.deviceTime
   const pid = req.query.pid
-  const settings = req.settings
+  const settings = settingsLoader.settings
   const config = configManager.machineScoped(deviceId, settings.config)
 
   pids[deviceId] = {pid, ts: Date.now()}
@@ -84,13 +75,13 @@ function trade (req, res, next) {
   const tx = req.body
   tx.cryptoAtoms = new BigNumber(tx.cryptoAtoms)
 
-  plugins.trade(req.settings, req.deviceId, tx)
+  plugins.trade(req.deviceId, tx)
   .then(() => cacheAndRespond(req, res))
   .catch(next)
 }
 
 function stateChange (req, res, next) {
-  plugins.stateChange(req.settings, req.deviceId, req.deviceTime, req.body)
+  plugins.stateChange(req.deviceId, req.deviceTime, req.body)
   .then(() => cacheAndRespond(req, res))
   .catch(next)
 }
@@ -99,7 +90,7 @@ function send (req, res, next) {
   const tx = req.body
   tx.cryptoAtoms = new BigNumber(tx.cryptoAtoms)
 
-  return plugins.sendCoins(req.settings, req.deviceId, tx)
+  return plugins.sendCoins(req.deviceId, tx)
   .then(status => {
     const body = {txId: status && status.txId}
     return cacheAndRespond(req, res, body)
@@ -112,13 +103,13 @@ function cashOut (req, res, next) {
   const tx = req.body
   tx.cryptoAtoms = new BigNumber(tx.cryptoAtoms)
 
-  return plugins.cashOut(req.settings, req.deviceId, tx)
+  return plugins.cashOut(req.deviceId, tx)
   .then(cryptoAddress => cacheAndRespond(req, res, {toAddress: cryptoAddress}))
   .catch(next)
 }
 
 function dispenseAck (req, res, next) {
-  plugins.dispenseAck(req.settings, req.deviceId, req.body.tx)
+  plugins.dispenseAck(req.deviceId, req.body.tx)
   .then(() => cacheAndRespond(req, res))
   .catch(next)
 }
@@ -130,13 +121,13 @@ function deviceEvent (req, res, next) {
 }
 
 function verifyUser (req, res, next) {
-  plugins.verifyUser(req.settings, req.body)
+  plugins.verifyUser(req.body)
   .then(idResult => cacheAndRespond(req, res, idResult))
   .catch(next)
 }
 
 function verifyTx (req, res, next) {
-  plugins.verifyTransaction(req.settings, req.body)
+  plugins.verifyTransaction(req.body)
   .then(idResult => cacheAndRespond(req, res, idResult))
   .catch(next)
 }
@@ -164,7 +155,7 @@ function pair (req, res, next) {
 function phoneCode (req, res, next) {
   const phone = req.body.phone
 
-  return plugins.getPhoneCode(req.settings, phone)
+  return plugins.getPhoneCode(phone)
   .then(code => cacheAndRespond(req, res, {code}))
   .catch(err => {
     if (err.name === 'BadNumberError') throw httpError('Bad number', 410)
@@ -259,7 +250,7 @@ function errorHandler (err, req, res, next) {
   const statusCode = err.code || 500
   const json = {error: err.message}
 
-  logger.debug(err)
+  logger.error(err)
 
   return updateCachedAction(req, json, statusCode)
   .then(() => res.status(statusCode).json(json))
@@ -334,19 +325,19 @@ function init (opts) {
   app.post('/pair', pair)
   app.get('/ca', ca)
 
-  app.get('/poll', authMiddleware, loadSettings, poll)
+  app.get('/poll', authMiddleware, poll)
 
-  app.post('/trade', authMiddleware, loadSettings, trade)
-  app.post('/send', authMiddleware, loadSettings, send)
-  app.post('/state', authMiddleware, loadSettings, stateChange)
-  app.post('/cash_out', authMiddleware, loadSettings, cashOut)
-  app.post('/dispense_ack', authMiddleware, loadSettings, dispenseAck)
+  app.post('/trade', authMiddleware, trade)
+  app.post('/send', authMiddleware, send)
+  app.post('/state', authMiddleware, stateChange)
+  app.post('/cash_out', authMiddleware, cashOut)
+  app.post('/dispense_ack', authMiddleware, dispenseAck)
 
   app.post('/event', authMiddleware, deviceEvent)
-  app.post('/verify_user', authMiddleware, loadSettings, verifyUser)
-  app.post('/verify_transaction', authMiddleware, loadSettings, verifyTx)
+  app.post('/verify_user', authMiddleware, verifyUser)
+  app.post('/verify_transaction', authMiddleware, verifyTx)
 
-  app.post('/phone_code', authMiddleware, loadSettings, phoneCode)
+  app.post('/phone_code', authMiddleware, phoneCode)
   app.post('/update_phone', authMiddleware, updatePhone)
   app.get('/phone_tx', authMiddleware, fetchPhoneTx)
   app.post('/register_redeem/:txId', authMiddleware, registerRedeem)
@@ -373,13 +364,13 @@ function init (opts) {
     res.sendStatus(200)
   })
 
-  localApp.post('/dbChange', (req, res) => {
-    return configManager.load()
-    .then(config => {
-      return plugins.configure(config)
-      .then(() => logger.info('Config reloaded'))
+  localApp.post('/dbChange', (req, res, next) => {
+    return settingsLoader.load()
+    .then(() => logger.info('Config reloaded'))
+    .catch(err => {
+      logger.error(err)
+      res.sendStatus(500)
     })
-    .catch(logger.error)
   })
 
   setInterval(pruneIdempotents, 60000)
diff --git a/lib/settings-loader.js b/lib/settings-loader.js
index c952ec46..72162e67 100644
--- a/lib/settings-loader.js
+++ b/lib/settings-loader.js
@@ -2,8 +2,7 @@ const R = require('ramda')
 
 const db = require('./db')
 
-// Note: We won't prematurely optimize by caching yet
-// This shouldn't really affect performance at these scales
+let settings
 
 function load () {
   return Promise.all([
@@ -11,10 +10,16 @@ function load () {
     loadAccounts()
   ])
   .then(function ([data, accounts]) {
-    return {
+    settings = {
       config: data.data,
       accounts: accounts
     }
+
+    return settings
+  })
+  .catch(err => {
+    settings = undefined
+    throw err
   })
 }
 
@@ -29,15 +34,7 @@ function loadAccounts () {
   })
 }
 
-function settings () {
-  return load()
-}
-
-function clear () {
-  // Do nothing, since no caching
-}
-
 module.exports = {
   settings,
-  clear
+  load
 }
diff --git a/lib/ticker.js b/lib/ticker.js
index 7ca7c8f7..e417a894 100644
--- a/lib/ticker.js
+++ b/lib/ticker.js
@@ -1,10 +1,12 @@
 const mem = require('mem')
 const configManager = require('./config-manager')
+const settingsLoader = require('./settings-loader')
 
 const FETCH_INTERVAL = 10000
-function getRates (settings, fiatCode, cryptoCode) {
+function getRates (fiatCode, cryptoCode) {
   return Promise.resolve()
   .then(() => {
+    const settings = settingsLoader.settings
     const config = settings.config
     const plugin = configManager.cryptoScoped(cryptoCode, config).cryptoServices.ticker
     const account = settings.accounts.plugin
diff --git a/lib/wallet.js b/lib/wallet.js
index b8752e17..a1512dd9 100644
--- a/lib/wallet.js
+++ b/lib/wallet.js
@@ -1,11 +1,13 @@
 const mem = require('mem')
 const configManager = require('./config-manager')
+const settingsLoader = require('./settings-loader')
 
 const FETCH_INTERVAL = 5000
 
-function fetchWallet (settings, cryptoCode) {
+function fetchWallet (cryptoCode) {
   return Promise.resolve()
   .then(() => {
+    const settings = settingsLoader.settings
     const plugin = configManager.cryptoScoped(cryptoCode, settings.config).cryptoServices.wallet
     const account = settings.accounts.plugin
     const wallet = require('lamassu-' + plugin)
@@ -14,8 +16,8 @@ function fetchWallet (settings, cryptoCode) {
   })
 }
 
-function balance (settings, cryptoCode) {
-  return fetchWallet(settings, cryptoCode)
+function balance (cryptoCode) {
+  return fetchWallet(cryptoCode)
   .then(r => r.wallet.balance(r.account))
   .then(balance => ({balance, timestamp: Date.now()}))
 }
@@ -31,13 +33,13 @@ function sendCoins (toAddress, cryptoAtoms, cryptoCode) {
   })
 }
 
-function newAddress (settings, cryptoCode, info) {
-  return fetchWallet(settings, cryptoCode)
+function newAddress (cryptoCode, info) {
+  return fetchWallet(cryptoCode)
   .then(r => r.wallet.newAddress(r.account, cryptoCode, info))
 }
 
-function getStatus (settings, toAdress, cryptoAtoms, cryptoCode) {
-  return fetchWallet(settings, cryptoCode)
+function getStatus (toAdress, cryptoAtoms, cryptoCode) {
+  return fetchWallet(cryptoCode)
   .then(r => r.wallet.getStatus(r.account, toAdress, cryptoAtoms, cryptoCode))
 }