diff --git a/lib/trader.js b/lib/trader.js
index 2175dd1c..81de3832 100644
--- a/lib/trader.js
+++ b/lib/trader.js
@@ -81,7 +81,7 @@ Trader.prototype.configure = function (config) {
  * return balance in satoshis
  */
 Trader.prototype.fiatBalance = function (transferSatoshis, tradeFiat) {
-  var rate = this.rate;
+  var rate = this.rate(this.config.exchanges.settings.currency).rate;
   var balance = this.balance;
   var commission = this.config.exchanges.settings.commission;
 
@@ -92,7 +92,7 @@ Trader.prototype.fiatBalance = function (transferSatoshis, tradeFiat) {
 
   // `lowBalanceMargin` is our safety net. It's a number > 1, and we divide
   // all our balances by it to provide a safety margin.
-  var lowBalanceMargin = this.config.settings.lowBalanceMargin;
+  var lowBalanceMargin = this.config.exchanges.settings.lowBalanceMargin;
 
   // `balance.transferBalance` is the balance of our transfer account (the one
   // we use to send Bitcoins to clients). `transferSatoshis` is the number