diff --git a/CHANGELOG.md b/CHANGELOG.md
index ab6df2173f5..a0f8672ba91 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -200,6 +200,9 @@ Ref: https://keepachangelog.com/en/1.0.0/
     * The signature of `NewSigVerificationDecorator` has been changed to accept a `x/tx/signing.HandlerMap`.
     * The signature of `VerifySignature` has been changed to accept a `x/tx/signing.HandlerMap` and other structs from `x/tx` as arguments.
     * The signature of `NewTxConfigWithTextual` has been deprecated and its signature changed to accept a `SignModeOptions`.
+* (x/bank) [#15567](https://github.com/cosmos/cosmos-sdk/pull/15567) `GenesisBalance.GetAddress` now returns a string instead of `sdk.AccAddress`
+    * `MsgSendExec` test helper function now takes a address.Codec 
+* (x/genutil) [#15567](https://github.com/cosmos/cosmos-sdk/pull/15567) `CollectGenTxsCmd` & `GenTxCmd` takes a address.Codec to be able to decode addresses
 * (x/genutil) [#15999](https://github.com/cosmos/cosmos-sdk/pull/15999) Genutil now takes the `GenesisTxHanlder` interface instead of deliverTx. The interface is implemented on baseapp
 * (types/math) [#16040](https://github.com/cosmos/cosmos-sdk/pull/16040) Remove unused aliases in math.go
 * (x/gov) [#16106](https://github.com/cosmos/cosmos-sdk/pull/16106) Remove gRPC query methods from Keeper
@@ -215,6 +218,10 @@ Ref: https://keepachangelog.com/en/1.0.0/
     * Remove: errors unused errors
 
 * (sims) [#16155](https://github.com/cosmos/cosmos-sdk/pull/16155) 
+    * `simulation.NewOperationMsg` now marshals the operation msg as proto bytes instead of legacy amino JSON bytes.
+    * `simulation.NewOperationMsg` is now 2-arity instead of 3-arity with the obsolete argument `codec.ProtoCodec` removed.
+    * The field `OperationMsg.Msg` is now of type `[]byte` instead of `json.RawMessage`.
+* (cli) [#16209](https://github.com/cosmos/cosmos-sdk/pull/16209) Add API `StartCmdWithOptions` to create customized start command.
 
     * `simulation.NewOperationMsg` now marshals the operation msg as proto bytes instead of legacy amino JSON bytes.
     * `simulation.NewOperationMsg` is now 2-arity instead of 3-arity with the obsolete argument `codec.ProtoCodec` removed.
diff --git a/simapp/simd/cmd/root.go b/simapp/simd/cmd/root.go
index ce7ba317168..b8f5dadd357 100644
--- a/simapp/simd/cmd/root.go
+++ b/simapp/simd/cmd/root.go
@@ -7,16 +7,13 @@ import (
 	"io"
 	"os"
 
-	cmtcfg "github.com/cometbft/cometbft/config"
-	dbm "github.com/cosmos/cosmos-db"
-	"github.com/spf13/cobra"
-	"github.com/spf13/viper"
-
 	"cosmossdk.io/log"
 	"cosmossdk.io/simapp"
 	"cosmossdk.io/simapp/params"
 	confixcmd "cosmossdk.io/tools/confix/cmd"
 	rosettaCmd "cosmossdk.io/tools/rosetta/cmd"
+	cmtcfg "github.com/cometbft/cometbft/config"
+	dbm "github.com/cosmos/cosmos-db"
 	"github.com/cosmos/cosmos-sdk/client"
 	"github.com/cosmos/cosmos-sdk/client/config"
 	"github.com/cosmos/cosmos-sdk/client/debug"
@@ -39,6 +36,8 @@ import (
 	banktypes "github.com/cosmos/cosmos-sdk/x/bank/types"
 	"github.com/cosmos/cosmos-sdk/x/crisis"
 	genutilcli "github.com/cosmos/cosmos-sdk/x/genutil/client/cli"
+	"github.com/spf13/cobra"
+	"github.com/spf13/viper"
 )
 
 // NewRootCmd creates a new root command for simd. It is called once in the
@@ -201,12 +200,11 @@ func initRootCmd(rootCmd *cobra.Command, encodingConfig params.EncodingConfig, b
 	rootCmd.AddCommand(
 		rpc.StatusCommand(),
 		genesisCommand(encodingConfig, basicManager),
-		queryCommand(),
 		txCommand(),
+		queryCommand(),
 		keys.Commands(simapp.DefaultNodeHome),
 	)
 
-	// add rosetta
 	rootCmd.AddCommand(rosettaCmd.RosettaCommand(encodingConfig.InterfaceRegistry, encodingConfig.Codec))
 }
 
diff --git a/tests/e2e/auth/suite.go b/tests/e2e/auth/suite.go
index 0c0f776cb44..bc77fe91805 100644
--- a/tests/e2e/auth/suite.go
+++ b/tests/e2e/auth/suite.go
@@ -15,7 +15,7 @@ import (
 
 	"github.com/cosmos/cosmos-sdk/client"
 	"github.com/cosmos/cosmos-sdk/client/flags"
-	"github.com/cosmos/cosmos-sdk/codec/address"
+	addresscodec "github.com/cosmos/cosmos-sdk/codec/address"
 	"github.com/cosmos/cosmos-sdk/crypto/hd"
 	"github.com/cosmos/cosmos-sdk/crypto/keyring"
 	kmultisig "github.com/cosmos/cosmos-sdk/crypto/keys/multisig"
@@ -143,7 +143,7 @@ func (s *E2ETestSuite) TestCLISignGenOnly() {
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 	}
-	generatedStd, err := clitestutil.ExecTestCLICmd(val.ClientCtx, bank.NewSendTxCmd(), args)
+	generatedStd, err := clitestutil.ExecTestCLICmd(val.ClientCtx, bank.NewSendTxCmd(addresscodec.NewBech32Codec("cosmos")), args)
 	s.Require().NoError(err)
 	opFile := testutil.WriteToNewTempFile(s.T(), generatedStd.String())
 	defer opFile.Close()
@@ -691,7 +691,7 @@ func (s *E2ETestSuite) TestCLISendGenerateSignAndBroadcast() {
 	s.Require().NoError(err)
 	s.Require().Equal(0, len(sigs))
 
-	resp, err := clitestutil.QueryBalancesExec(val1.ClientCtx, val1.Address)
+	resp, err := clitestutil.QueryBalancesExec(val1.ClientCtx, val1.Address, addresscodec.NewBech32Codec("cosmos"))
 	s.Require().NoError(err)
 
 	var balRes banktypes.QueryAllBalancesResponse
@@ -756,7 +756,7 @@ func (s *E2ETestSuite) TestCLISendGenerateSignAndBroadcast() {
 	s.Require().NoError(s.network.WaitForNextBlock())
 
 	// Ensure foo has right amount of funds
-	resp, err = clitestutil.QueryBalancesExec(val1.ClientCtx, val1.Address)
+	resp, err = clitestutil.QueryBalancesExec(val1.ClientCtx, val1.Address, addresscodec.NewBech32Codec("cosmos"))
 	s.Require().NoError(err)
 
 	err = val1.ClientCtx.Codec.UnmarshalJSON(resp.Bytes(), &balRes)
@@ -778,7 +778,7 @@ func (s *E2ETestSuite) TestCLISendGenerateSignAndBroadcast() {
 
 	// Ensure destiny account state
 	err = s.network.RetryForBlocks(func() error {
-		resp, err = clitestutil.QueryBalancesExec(val1.ClientCtx, addr)
+		resp, err = clitestutil.QueryBalancesExec(val1.ClientCtx, addr, addresscodec.NewBech32Codec("cosmos"))
 		return err
 	}, 3)
 	s.Require().NoError(err)
@@ -788,7 +788,7 @@ func (s *E2ETestSuite) TestCLISendGenerateSignAndBroadcast() {
 	s.Require().Equal(sendTokens.Amount, balRes.Balances.AmountOf(s.cfg.BondDenom))
 
 	// Ensure origin account state
-	resp, err = clitestutil.QueryBalancesExec(val1.ClientCtx, val1.Address)
+	resp, err = clitestutil.QueryBalancesExec(val1.ClientCtx, val1.Address, addresscodec.NewBech32Codec("cosmos"))
 	s.Require().NoError(err)
 
 	err = val1.ClientCtx.Codec.UnmarshalJSON(resp.Bytes(), &balRes)
@@ -826,6 +826,7 @@ func (s *E2ETestSuite) TestCLIMultisignInsufficientCosigners() {
 		sdk.NewCoins(
 			sdk.NewInt64Coin(s.cfg.BondDenom, 5),
 		),
+		addresscodec.NewBech32Codec("cosmos"),
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
@@ -909,7 +910,7 @@ func (s *E2ETestSuite) TestCLIMultisignSortSignatures() {
 
 	addr, err := multisigRecord.GetAddress()
 	s.Require().NoError(err)
-	resp, err := clitestutil.QueryBalancesExec(val1.ClientCtx, addr)
+	resp, err := clitestutil.QueryBalancesExec(val1.ClientCtx, addr, addresscodec.NewBech32Codec("cosmos"))
 	s.Require().NoError(err)
 
 	var balRes banktypes.QueryAllBalancesResponse
@@ -927,7 +928,7 @@ func (s *E2ETestSuite) TestCLIMultisignSortSignatures() {
 	s.Require().NoError(err)
 	s.Require().NoError(s.network.WaitForNextBlock())
 
-	resp, err = clitestutil.QueryBalancesExec(val1.ClientCtx, addr)
+	resp, err = clitestutil.QueryBalancesExec(val1.ClientCtx, addr, addresscodec.NewBech32Codec("cosmos"))
 	s.Require().NoError(err)
 
 	err = val1.ClientCtx.Codec.UnmarshalJSON(resp.Bytes(), &balRes)
@@ -943,6 +944,7 @@ func (s *E2ETestSuite) TestCLIMultisignSortSignatures() {
 		sdk.NewCoins(
 			sdk.NewInt64Coin(s.cfg.BondDenom, 5),
 		),
+		addresscodec.NewBech32Codec("cosmos"),
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
@@ -1020,6 +1022,7 @@ func (s *E2ETestSuite) TestSignWithMultisig() {
 		sdk.NewCoins(
 			sdk.NewInt64Coin(s.cfg.BondDenom, 5),
 		),
+		addresscodec.NewBech32Codec("cosmos"),
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
@@ -1067,7 +1070,7 @@ func (s *E2ETestSuite) TestCLIMultisign() {
 
 	var balRes banktypes.QueryAllBalancesResponse
 	err = s.network.RetryForBlocks(func() error {
-		resp, err := clitestutil.QueryBalancesExec(val1.ClientCtx, addr)
+		resp, err := clitestutil.QueryBalancesExec(val1.ClientCtx, addr, addresscodec.NewBech32Codec("cosmos"))
 		if err != nil {
 			return err
 		}
@@ -1084,6 +1087,7 @@ func (s *E2ETestSuite) TestCLIMultisign() {
 		sdk.NewCoins(
 			sdk.NewInt64Coin(s.cfg.BondDenom, 5),
 		),
+		addresscodec.NewBech32Codec("cosmos"),
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
@@ -1177,6 +1181,7 @@ func (s *E2ETestSuite) TestSignBatchMultisig() {
 		sdk.NewCoins(
 			sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(1)),
 		),
+		addresscodec.NewBech32Codec("cosmos"),
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
@@ -1242,6 +1247,7 @@ func (s *E2ETestSuite) TestMultisignBatch() {
 		sdk.NewCoins(
 			sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(1)),
 		),
+		addresscodec.NewBech32Codec("cosmos"),
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
@@ -1254,7 +1260,7 @@ func (s *E2ETestSuite) TestMultisignBatch() {
 	defer filename.Close()
 	val.ClientCtx.HomeDir = strings.Replace(val.ClientCtx.HomeDir, "simd", "simcli", 1)
 
-	queryResJSON, err := authclitestutil.QueryAccountExec(val.ClientCtx, addr, address.NewBech32Codec("cosmos"))
+	queryResJSON, err := authclitestutil.QueryAccountExec(val.ClientCtx, addr, addresscodec.NewBech32Codec("cosmos"))
 	s.Require().NoError(err)
 	var account sdk.AccountI
 	s.Require().NoError(val.ClientCtx.Codec.UnmarshalInterfaceJSON(queryResJSON.Bytes(), &account))
@@ -1322,7 +1328,7 @@ func (s *E2ETestSuite) TestGetAccountCmd() {
 		s.Run(tc.name, func() {
 			clientCtx := val.ClientCtx
 
-			out, err := authclitestutil.QueryAccountExec(clientCtx, tc.address, address.NewBech32Codec("cosmos"))
+			out, err := authclitestutil.QueryAccountExec(clientCtx, tc.address, addresscodec.NewBech32Codec("cosmos"))
 			if tc.expectErr {
 				s.Require().Error(err)
 				s.Require().NotEqual("internal", err.Error())
@@ -1618,7 +1624,7 @@ func (s *E2ETestSuite) TestSignWithMultiSignersAminoJSON() {
 	require.Equal(uint32(0), txRes.Code, txRes.RawLog)
 
 	// Make sure the addr1's balance got funded.
-	queryResJSON, err := clitestutil.QueryBalancesExec(val0.ClientCtx, addr1)
+	queryResJSON, err := clitestutil.QueryBalancesExec(val0.ClientCtx, addr1, addresscodec.NewBech32Codec("cosmos"))
 	require.NoError(err)
 	var queryRes banktypes.QueryAllBalancesResponse
 	err = val0.ClientCtx.Codec.UnmarshalJSON(queryResJSON.Bytes(), &queryRes)
@@ -1950,11 +1956,11 @@ func (s *E2ETestSuite) createBankMsg(val *network.Validator, toAddr sdk.AccAddre
 	}
 
 	flags = append(flags, extraFlags...)
-	return clitestutil.MsgSendExec(val.ClientCtx, val.Address, toAddr, amount, flags...)
+	return clitestutil.MsgSendExec(val.ClientCtx, val.Address, toAddr, amount, addresscodec.NewBech32Codec("cosmos"), flags...)
 }
 
 func (s *E2ETestSuite) getBalances(clientCtx client.Context, addr sdk.AccAddress, denom string) math.Int {
-	resp, err := clitestutil.QueryBalancesExec(clientCtx, addr)
+	resp, err := clitestutil.QueryBalancesExec(clientCtx, addr, addresscodec.NewBech32Codec("cosmos"))
 	s.Require().NoError(err)
 
 	var balRes banktypes.QueryAllBalancesResponse
diff --git a/tests/e2e/authz/tx.go b/tests/e2e/authz/tx.go
index 346897801e2..cb4e7671553 100644
--- a/tests/e2e/authz/tx.go
+++ b/tests/e2e/authz/tx.go
@@ -10,7 +10,7 @@ import (
 	// without this import amino json encoding will fail when resolving any types
 	_ "cosmossdk.io/api/cosmos/authz/v1beta1"
 	"github.com/cosmos/cosmos-sdk/client/flags"
-	"github.com/cosmos/cosmos-sdk/codec/address"
+	addresscodec "github.com/cosmos/cosmos-sdk/codec/address"
 	"github.com/cosmos/cosmos-sdk/crypto/hd"
 	"github.com/cosmos/cosmos-sdk/crypto/keyring"
 	"github.com/cosmos/cosmos-sdk/testutil"
@@ -149,7 +149,7 @@ func (s *E2ETestSuite) msgSendExec(grantee sdk.AccAddress) {
 		val.ClientCtx,
 		val.Address,
 		grantee,
-		sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(200))), fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
+		sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(200))), addresscodec.NewBech32Codec("cosmos"), fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
 	)
@@ -308,7 +308,7 @@ func (s *E2ETestSuite) TestCmdRevokeAuthorizations() {
 	for _, tc := range testCases {
 		tc := tc
 		s.Run(tc.name, func() {
-			cmd := cli.NewCmdRevokeAuthorization(address.NewBech32Codec("cosmos"))
+			cmd := cli.NewCmdRevokeAuthorization(addresscodec.NewBech32Codec("cosmos"))
 			clientCtx := val.ClientCtx
 
 			out, err := clitestutil.ExecTestCLICmd(clientCtx, cmd, tc.args)
@@ -501,6 +501,7 @@ func (s *E2ETestSuite) TestNewExecGrantAuthorized() {
 		val.Address,
 		grantee,
 		tokens,
+		addresscodec.NewBech32Codec("cosmos"),
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
@@ -615,6 +616,7 @@ func (s *E2ETestSuite) TestExecSendAuthzWithAllowList() {
 		val.Address,
 		allowedAddr,
 		tokens,
+		addresscodec.NewBech32Codec("cosmos"),
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
@@ -629,6 +631,7 @@ func (s *E2ETestSuite) TestExecSendAuthzWithAllowList() {
 		val.Address,
 		notAllowedAddr,
 		tokens,
+		addresscodec.NewBech32Codec("cosmos"),
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
diff --git a/tests/e2e/bank/suite.go b/tests/e2e/bank/suite.go
index 8faf8c4f5ba..d319676fdb7 100644
--- a/tests/e2e/bank/suite.go
+++ b/tests/e2e/bank/suite.go
@@ -14,6 +14,7 @@ import (
 	"github.com/cosmos/cosmos-sdk/testutil"
 
 	"github.com/cosmos/cosmos-sdk/client/flags"
+	addresscodec "github.com/cosmos/cosmos-sdk/codec/address"
 	clitestutil "github.com/cosmos/cosmos-sdk/testutil/cli"
 	"github.com/cosmos/cosmos-sdk/testutil/network"
 	sdk "github.com/cosmos/cosmos-sdk/types"
@@ -153,7 +154,7 @@ func (s *E2ETestSuite) TestGetBalancesCmd() {
 		tc := tc
 
 		s.Run(tc.name, func() {
-			cmd := cli.GetBalancesCmd()
+			cmd := cli.GetBalancesCmd(addresscodec.NewBech32Codec("cosmos"))
 			out, err := clitestutil.ExecTestCLICmd(val.ClientCtx, cmd, tc.args)
 
 			if tc.expectErr {
@@ -384,7 +385,7 @@ func (s *E2ETestSuite) TestNewSendTxCmdGenOnly() {
 		fmt.Sprintf("--%s=true", flags.FlagGenerateOnly),
 	}
 
-	bz, err := clitestutil.MsgSendExec(clientCtx, from, to, amount, args...)
+	bz, err := clitestutil.MsgSendExec(clientCtx, from, to, amount, addresscodec.NewBech32Codec("cosmos"), args...)
 	s.Require().NoError(err)
 	tx, err := s.cfg.TxConfig.TxJSONDecoder()(bz.Bytes())
 	s.Require().NoError(err)
@@ -413,7 +414,7 @@ func (s *E2ETestSuite) TestNewSendTxCmdDryRun() {
 	r, w, _ := os.Pipe()
 	os.Stderr = w
 
-	_, err := clitestutil.MsgSendExec(clientCtx, from, to, amount, args...)
+	_, err := clitestutil.MsgSendExec(clientCtx, from, to, amount, addresscodec.NewBech32Codec("cosmos"), args...)
 	s.Require().NoError(err)
 
 	w.Close()
@@ -511,7 +512,7 @@ func (s *E2ETestSuite) TestNewSendTxCmd() {
 		s.Run(tc.name, func() {
 			clientCtx := val.ClientCtx
 
-			bz, err := clitestutil.MsgSendExec(clientCtx, tc.from, tc.to, tc.amount, tc.args...)
+			bz, err := clitestutil.MsgSendExec(clientCtx, tc.from, tc.to, tc.amount, addresscodec.NewBech32Codec("cosmos"), tc.args...)
 			if tc.expectErr {
 				s.Require().Error(err)
 			} else {
@@ -674,5 +675,5 @@ func MsgMultiSendExec(clientCtx client.Context, from sdk.AccAddress, to []sdk.Ac
 	args = append(args, amount.String())
 	args = append(args, extraArgs...)
 
-	return clitestutil.ExecTestCLICmd(clientCtx, cli.NewMultiSendTxCmd(), args)
+	return clitestutil.ExecTestCLICmd(clientCtx, cli.NewMultiSendTxCmd(addresscodec.NewBech32Codec("cosmos")), args)
 }
diff --git a/tests/e2e/distribution/withdraw_all_suite.go b/tests/e2e/distribution/withdraw_all_suite.go
index 25a431d54c1..803d92c0cf1 100644
--- a/tests/e2e/distribution/withdraw_all_suite.go
+++ b/tests/e2e/distribution/withdraw_all_suite.go
@@ -8,6 +8,7 @@ import (
 	"github.com/stretchr/testify/suite"
 
 	"github.com/cosmos/cosmos-sdk/client/flags"
+	addresscodec "github.com/cosmos/cosmos-sdk/codec/address"
 	"github.com/cosmos/cosmos-sdk/crypto/hd"
 	"github.com/cosmos/cosmos-sdk/crypto/keyring"
 	"github.com/cosmos/cosmos-sdk/testutil"
@@ -63,7 +64,7 @@ func (s *WithdrawAllTestSuite) TestNewWithdrawAllRewardsGenerateOnly() {
 		val.ClientCtx,
 		val.Address,
 		newAddr,
-		sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(2000))), fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
+		sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(2000))), addresscodec.NewBech32Codec("cosmos"), fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
 	)
diff --git a/tests/e2e/gov/tx.go b/tests/e2e/gov/tx.go
index cdf255344fb..33cddd26115 100644
--- a/tests/e2e/gov/tx.go
+++ b/tests/e2e/gov/tx.go
@@ -11,6 +11,7 @@ import (
 	"github.com/stretchr/testify/suite"
 
 	"github.com/cosmos/cosmos-sdk/client/flags"
+	addresscodec "github.com/cosmos/cosmos-sdk/codec/address"
 	clitestutil "github.com/cosmos/cosmos-sdk/testutil/cli"
 	"github.com/cosmos/cosmos-sdk/testutil/network"
 	sdk "github.com/cosmos/cosmos-sdk/types"
@@ -352,7 +353,7 @@ func (s *E2ETestSuite) TestNewCmdCancelProposal() {
 			var balRes banktypes.QueryAllBalancesResponse
 			var newBalance banktypes.QueryAllBalancesResponse
 			if !tc.expectErr && tc.expectedCode == 0 {
-				resp, err := clitestutil.QueryBalancesExec(clientCtx, val.Address)
+				resp, err := clitestutil.QueryBalancesExec(clientCtx, val.Address, addresscodec.NewBech32Codec("cosmos"))
 				s.Require().NoError(err)
 				err = val.ClientCtx.Codec.UnmarshalJSON(resp.Bytes(), &balRes)
 				s.Require().NoError(err)
@@ -368,7 +369,7 @@ func (s *E2ETestSuite) TestNewCmdCancelProposal() {
 				s.Require().NoError(clitestutil.CheckTxCode(s.network, clientCtx, resp.TxHash, tc.expectedCode))
 
 				if !tc.expectErr && tc.expectedCode == 0 {
-					resp, err := clitestutil.QueryBalancesExec(clientCtx, val.Address)
+					resp, err := clitestutil.QueryBalancesExec(clientCtx, val.Address, addresscodec.NewBech32Codec("cosmos"))
 					s.Require().NoError(err)
 					err = val.ClientCtx.Codec.UnmarshalJSON(resp.Bytes(), &newBalance)
 					s.Require().NoError(err)
diff --git a/tests/e2e/group/suite.go b/tests/e2e/group/suite.go
index 54bf6aa4f9b..1de710d1746 100644
--- a/tests/e2e/group/suite.go
+++ b/tests/e2e/group/suite.go
@@ -12,6 +12,7 @@ import (
 	_ "cosmossdk.io/api/cosmos/group/v1"
 
 	"github.com/cosmos/cosmos-sdk/client/flags"
+	"github.com/cosmos/cosmos-sdk/codec/address"
 	"github.com/cosmos/cosmos-sdk/crypto/hd"
 	"github.com/cosmos/cosmos-sdk/crypto/keyring"
 	"github.com/cosmos/cosmos-sdk/testutil"
@@ -71,7 +72,9 @@ func (s *E2ETestSuite) SetupSuite() {
 		val.ClientCtx,
 		val.Address,
 		account,
-		sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(2000))), fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
+		sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(2000))),
+		address.NewBech32Codec("cosmos"),
+		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
 	)
@@ -279,6 +282,7 @@ func (s *E2ETestSuite) createGroupThresholdPolicyWithBalance(adminAddress, group
 	s.Require().NoError(err)
 	_, err = clitestutil.MsgSendExec(clientCtx, val.Address, addr,
 		sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(tokens))),
+		address.NewBech32Codec("cosmos"),
 		s.commonFlags...,
 	)
 	s.Require().NoError(err)
diff --git a/tests/e2e/nft/tx.go b/tests/e2e/nft/tx.go
index ccfbaaa5881..732eac8296d 100644
--- a/tests/e2e/nft/tx.go
+++ b/tests/e2e/nft/tx.go
@@ -8,6 +8,7 @@ import (
 	"cosmossdk.io/x/nft"
 	"cosmossdk.io/x/nft/client/cli"
 	"github.com/cosmos/cosmos-sdk/client/flags"
+	addresscodec "github.com/cosmos/cosmos-sdk/codec/address"
 	clitestutil "github.com/cosmos/cosmos-sdk/testutil/cli"
 	"github.com/cosmos/cosmos-sdk/testutil/network"
 	sdk "github.com/cosmos/cosmos-sdk/types"
@@ -157,6 +158,6 @@ func (s *E2ETestSuite) initAccount() {
 	s.Require().NoError(err)
 
 	amount := sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(200)))
-	_, err = clitestutil.MsgSendExec(ctx, val.Address, s.owner, amount, args...)
+	_, err = clitestutil.MsgSendExec(ctx, val.Address, s.owner, amount, addresscodec.NewBech32Codec("cosmos"), args...)
 	s.Require().NoError(err)
 }
diff --git a/tests/e2e/staking/suite.go b/tests/e2e/staking/suite.go
index 3680d7b3a5b..e74bcaaff9a 100644
--- a/tests/e2e/staking/suite.go
+++ b/tests/e2e/staking/suite.go
@@ -11,6 +11,7 @@ import (
 	"github.com/stretchr/testify/suite"
 
 	"github.com/cosmos/cosmos-sdk/client/flags"
+	addresscodec "github.com/cosmos/cosmos-sdk/codec/address"
 	"github.com/cosmos/cosmos-sdk/crypto/hd"
 	"github.com/cosmos/cosmos-sdk/crypto/keyring"
 	clitestutil "github.com/cosmos/cosmos-sdk/testutil/cli"
@@ -104,7 +105,7 @@ func (s *E2ETestSuite) TestBlockResults() {
 		val.ClientCtx,
 		val.Address,
 		newAddr,
-		sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(200))), fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
+		sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(200))), addresscodec.NewBech32Codec("cosmos"), fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
 	)
diff --git a/tests/e2e/tx/service_test.go b/tests/e2e/tx/service_test.go
index ab650e8ea7c..86761d18069 100644
--- a/tests/e2e/tx/service_test.go
+++ b/tests/e2e/tx/service_test.go
@@ -17,6 +17,7 @@ import (
 	"github.com/cosmos/cosmos-sdk/client"
 	"github.com/cosmos/cosmos-sdk/client/flags"
 	clienttx "github.com/cosmos/cosmos-sdk/client/tx"
+	addresscodec "github.com/cosmos/cosmos-sdk/codec/address"
 	"github.com/cosmos/cosmos-sdk/crypto/hd"
 	"github.com/cosmos/cosmos-sdk/crypto/keyring"
 	kmultisig "github.com/cosmos/cosmos-sdk/crypto/keys/multisig"
@@ -74,6 +75,7 @@ func (s *E2ETestSuite) SetupSuite() {
 		sdk.NewCoins(
 			sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10)),
 		),
+		addresscodec.NewBech32Codec("cosmos"),
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
@@ -91,6 +93,7 @@ func (s *E2ETestSuite) SetupSuite() {
 		sdk.NewCoins(
 			sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(1)),
 		),
+		addresscodec.NewBech32Codec("cosmos"),
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s", flags.FlagOffline),
 		fmt.Sprintf("--%s=0", flags.FlagAccountNumber),
@@ -597,6 +600,7 @@ func (s *E2ETestSuite) TestSimMultiSigTx() {
 		val1.Address,
 		addr,
 		sdk.NewCoins(coins),
+		addresscodec.NewBech32Codec("cosmos"),
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
@@ -617,6 +621,7 @@ func (s *E2ETestSuite) TestSimMultiSigTx() {
 		sdk.NewCoins(
 			sdk.NewInt64Coin(s.cfg.BondDenom, 5),
 		),
+		addresscodec.NewBech32Codec("cosmos"),
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin(s.cfg.BondDenom, sdk.NewInt(10))).String()),
diff --git a/testutil/cli/cmd.go b/testutil/cli/cmd.go
index 64c25be9b7d..6e36bc2c662 100644
--- a/testutil/cli/cmd.go
+++ b/testutil/cli/cmd.go
@@ -4,6 +4,7 @@ import (
 	"context"
 	"fmt"
 
+	"cosmossdk.io/core/address"
 	"github.com/spf13/cobra"
 
 	"github.com/cosmos/cosmos-sdk/client"
@@ -29,16 +30,16 @@ func ExecTestCLICmd(clientCtx client.Context, cmd *cobra.Command, extraArgs []st
 	return out, nil
 }
 
-func MsgSendExec(clientCtx client.Context, from, to, amount fmt.Stringer, extraArgs ...string) (testutil.BufferWriter, error) {
+func MsgSendExec(clientCtx client.Context, from, to, amount fmt.Stringer, ac address.Codec, extraArgs ...string) (testutil.BufferWriter, error) {
 	args := []string{from.String(), to.String(), amount.String()}
 	args = append(args, extraArgs...)
 
-	return ExecTestCLICmd(clientCtx, cli.NewSendTxCmd(), args)
+	return ExecTestCLICmd(clientCtx, cli.NewSendTxCmd(ac), args)
 }
 
-func QueryBalancesExec(clientCtx client.Context, address fmt.Stringer, extraArgs ...string) (testutil.BufferWriter, error) {
+func QueryBalancesExec(clientCtx client.Context, address fmt.Stringer, ac address.Codec, extraArgs ...string) (testutil.BufferWriter, error) {
 	args := []string{address.String(), fmt.Sprintf("--%s=json", flags.FlagOutput)}
 	args = append(args, extraArgs...)
 
-	return ExecTestCLICmd(clientCtx, cli.GetBalancesCmd(), args)
+	return ExecTestCLICmd(clientCtx, cli.GetBalancesCmd(ac), args)
 }
diff --git a/x/auth/client/cli/suite_test.go b/x/auth/client/cli/suite_test.go
index 9be3e56e163..4fbe1063533 100644
--- a/x/auth/client/cli/suite_test.go
+++ b/x/auth/client/cli/suite_test.go
@@ -460,6 +460,7 @@ func (s *CLITestSuite) TestCLIMultisignInsufficientCosigners() {
 		sdk.NewCoins(
 			sdk.NewInt64Coin("stake", 5),
 		),
+		s.ac,
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin("stake", math.NewInt(10))).String()),
@@ -548,6 +549,7 @@ func (s *CLITestSuite) TestCLIMultisignSortSignatures() {
 		sdk.NewCoins(
 			sdk.NewInt64Coin("stake", 5),
 		),
+		s.ac,
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin("stake", math.NewInt(10))).String()),
@@ -621,6 +623,7 @@ func (s *CLITestSuite) TestSignWithMultisig() {
 		sdk.NewCoins(
 			sdk.NewInt64Coin("stake", 5),
 		),
+		s.ac,
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin("stake", math.NewInt(10))).String()),
@@ -662,6 +665,7 @@ func (s *CLITestSuite) TestCLIMultisign() {
 		sdk.NewCoins(
 			sdk.NewInt64Coin("stake", 5),
 		),
+		s.ac,
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin("stake", math.NewInt(10))).String()),
@@ -735,6 +739,7 @@ func (s *CLITestSuite) TestSignBatchMultisig() {
 		sdk.NewCoins(
 			sdk.NewCoin("stake", math.NewInt(1)),
 		),
+		s.ac,
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin("stake", math.NewInt(10))).String()),
@@ -1270,7 +1275,7 @@ func (s *CLITestSuite) TestAuxToFeeWithTips() {
 }
 
 func (s *CLITestSuite) getBalances(clientCtx client.Context, addr sdk.AccAddress, denom string) math.Int {
-	resp, err := clitestutil.QueryBalancesExec(clientCtx, addr)
+	resp, err := clitestutil.QueryBalancesExec(clientCtx, addr, s.ac)
 	s.Require().NoError(err)
 
 	var balRes banktypes.QueryAllBalancesResponse
@@ -1289,5 +1294,5 @@ func (s *CLITestSuite) createBankMsg(clientCtx client.Context, toAddr sdk.AccAdd
 	}
 
 	flags = append(flags, extraFlags...)
-	return clitestutil.MsgSendExec(clientCtx, s.val, toAddr, amount, flags...)
+	return clitestutil.MsgSendExec(clientCtx, s.val, toAddr, amount, s.ac, flags...)
 }
diff --git a/x/authz/client/cli/tx_test.go b/x/authz/client/cli/tx_test.go
index b3b57706a90..3124167d28c 100644
--- a/x/authz/client/cli/tx_test.go
+++ b/x/authz/client/cli/tx_test.go
@@ -11,6 +11,7 @@ import (
 	"github.com/cosmos/gogoproto/proto"
 	"github.com/stretchr/testify/suite"
 
+	"cosmossdk.io/core/address"
 	sdkmath "cosmossdk.io/math"
 
 	_ "cosmossdk.io/api/cosmos/authz/v1beta1"
@@ -49,6 +50,8 @@ type CLITestSuite struct {
 	clientCtx client.Context
 	grantee   []sdk.AccAddress
 	addrs     []sdk.AccAddress
+
+	ac address.Codec
 }
 
 func TestCLITestSuite(t *testing.T) {
@@ -67,6 +70,8 @@ func (s *CLITestSuite) SetupSuite() {
 		WithOutput(io.Discard).
 		WithChainID("test-chain")
 
+	s.ac = addresscodec.NewBech32Codec("cosmos")
+
 	ctxGen := func() client.Context {
 		bz, _ := s.encCfg.Codec.Marshal(&sdk.TxResponse{})
 		c := clitestutil.NewMockCometRPC(abci.ResponseQuery{
@@ -169,11 +174,14 @@ func (s *CLITestSuite) createAccount(uid string) sdk.AccAddress {
 func (s *CLITestSuite) msgSendExec(grantee sdk.AccAddress) {
 	val := testutil.CreateKeyringAccounts(s.T(), s.kr, 1)
 	// Send some funds to the new account.
+	s.ac.StringToBytes("cosmos16zex22087zs656t0vedytv5wqhm6axxd5679ry")
 	out, err := clitestutil.MsgSendExec(
 		s.clientCtx,
 		val[0].Address,
 		grantee,
-		sdk.NewCoins(sdk.NewCoin("stake", sdkmath.NewInt(200))), fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
+		sdk.NewCoins(sdk.NewCoin("stake", sdk.NewInt(200))),
+		s.ac,
+		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin("stake", sdkmath.NewInt(10))).String()),
 	)
@@ -739,6 +747,7 @@ func (s *CLITestSuite) TestNewExecGrantAuthorized() {
 		val[0].Address,
 		grantee,
 		tokens,
+		s.ac,
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin("stake", sdkmath.NewInt(10))).String()),
@@ -836,6 +845,7 @@ func (s *CLITestSuite) TestExecSendAuthzWithAllowList() {
 		val[0].Address,
 		allowedAddr,
 		tokens,
+		s.ac,
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin("stake", sdkmath.NewInt(10))).String()),
@@ -850,6 +860,7 @@ func (s *CLITestSuite) TestExecSendAuthzWithAllowList() {
 		val[0].Address,
 		notAllowedAddr,
 		tokens,
+		s.ac,
 		fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin("stake", sdkmath.NewInt(10))).String()),
diff --git a/x/bank/client/cli/query.go b/x/bank/client/cli/query.go
index 7c1a0f7ae53..23facd68ff0 100644
--- a/x/bank/client/cli/query.go
+++ b/x/bank/client/cli/query.go
@@ -4,11 +4,11 @@ import (
 	"fmt"
 	"strings"
 
+	"cosmossdk.io/core/address"
 	"github.com/spf13/cobra"
 
 	"github.com/cosmos/cosmos-sdk/client"
 	"github.com/cosmos/cosmos-sdk/client/flags"
-	sdk "github.com/cosmos/cosmos-sdk/types"
 	"github.com/cosmos/cosmos-sdk/version"
 	"github.com/cosmos/cosmos-sdk/x/bank/types"
 )
@@ -21,7 +21,7 @@ const (
 // GetQueryCmd returns the parent command for all x/bank CLi query commands. The
 // provided clientCtx should have, at a minimum, a verifier, CometBFT RPC client,
 // and marshaler set.
-func GetQueryCmd() *cobra.Command {
+func GetQueryCmd(ac address.Codec) *cobra.Command {
 	cmd := &cobra.Command{
 		Use:                        types.ModuleName,
 		Short:                      "Querying commands for the bank module",
@@ -31,8 +31,8 @@ func GetQueryCmd() *cobra.Command {
 	}
 
 	cmd.AddCommand(
-		GetBalancesCmd(),
-		GetSpendableBalancesCmd(),
+		GetBalancesCmd(ac),
+		GetSpendableBalancesCmd(ac),
 		GetCmdQueryTotalSupply(),
 		GetCmdDenomsMetadata(),
 		GetCmdQuerySendEnabled(),
@@ -41,7 +41,7 @@ func GetQueryCmd() *cobra.Command {
 	return cmd
 }
 
-func GetBalancesCmd() *cobra.Command {
+func GetBalancesCmd(ac address.Codec) *cobra.Command {
 	cmd := &cobra.Command{
 		Use:   "balances [address]",
 		Short: "Query for account balances by address",
@@ -70,7 +70,7 @@ Example:
 
 			queryClient := types.NewQueryClient(clientCtx)
 
-			addr, err := sdk.AccAddressFromBech32(args[0])
+			addr, err := ac.StringToBytes(args[0])
 			if err != nil {
 				return err
 			}
@@ -117,7 +117,7 @@ Example:
 	return cmd
 }
 
-func GetSpendableBalancesCmd() *cobra.Command {
+func GetSpendableBalancesCmd(ac address.Codec) *cobra.Command {
 	cmd := &cobra.Command{
 		Use:     "spendable-balances [address]",
 		Short:   "Query for account spendable balances by address",
@@ -136,7 +136,7 @@ func GetSpendableBalancesCmd() *cobra.Command {
 
 			queryClient := types.NewQueryClient(clientCtx)
 
-			addr, err := sdk.AccAddressFromBech32(args[0])
+			addr, err := ac.StringToBytes(args[0])
 			if err != nil {
 				return err
 			}
diff --git a/x/bank/client/cli/query_test.go b/x/bank/client/cli/query_test.go
index 52ef682fceb..800530b53d1 100644
--- a/x/bank/client/cli/query_test.go
+++ b/x/bank/client/cli/query_test.go
@@ -10,6 +10,7 @@ import (
 
 	"github.com/cosmos/cosmos-sdk/client"
 	"github.com/cosmos/cosmos-sdk/client/flags"
+	"github.com/cosmos/cosmos-sdk/codec/address"
 	svrcmd "github.com/cosmos/cosmos-sdk/server/cmd"
 	"github.com/cosmos/cosmos-sdk/testutil"
 	clitestutil "github.com/cosmos/cosmos-sdk/testutil/cli"
@@ -20,8 +21,7 @@ import (
 
 func (s *CLITestSuite) TestGetBalancesCmd() {
 	accounts := testutil.CreateKeyringAccounts(s.T(), s.kr, 1)
-
-	cmd := cli.GetBalancesCmd()
+	cmd := cli.GetBalancesCmd(address.NewBech32Codec("cosmos"))
 	cmd.SetOutput(io.Discard)
 
 	testCases := []struct {
@@ -119,7 +119,7 @@ func (s *CLITestSuite) TestGetBalancesCmd() {
 func (s *CLITestSuite) TestGetSpendableBalancesCmd() {
 	accounts := testutil.CreateKeyringAccounts(s.T(), s.kr, 1)
 
-	cmd := cli.GetSpendableBalancesCmd()
+	cmd := cli.GetSpendableBalancesCmd(address.NewBech32Codec("cosmos"))
 	cmd.SetOutput(io.Discard)
 
 	testCases := []struct {
diff --git a/x/bank/client/cli/tx.go b/x/bank/client/cli/tx.go
index 3ccf19c3609..022cbbcf03e 100644
--- a/x/bank/client/cli/tx.go
+++ b/x/bank/client/cli/tx.go
@@ -3,6 +3,7 @@ package cli
 import (
 	"fmt"
 
+	"cosmossdk.io/core/address"
 	sdkmath "cosmossdk.io/math"
 	"github.com/spf13/cobra"
 
@@ -16,7 +17,7 @@ import (
 var FlagSplit = "split"
 
 // NewTxCmd returns a root CLI command handler for all x/bank transaction commands.
-func NewTxCmd() *cobra.Command {
+func NewTxCmd(ac address.Codec) *cobra.Command {
 	txCmd := &cobra.Command{
 		Use:                        types.ModuleName,
 		Short:                      "Bank transaction subcommands",
@@ -26,15 +27,15 @@ func NewTxCmd() *cobra.Command {
 	}
 
 	txCmd.AddCommand(
-		NewSendTxCmd(),
-		NewMultiSendTxCmd(),
+		NewSendTxCmd(ac),
+		NewMultiSendTxCmd(ac),
 	)
 
 	return txCmd
 }
 
 // NewSendTxCmd returns a CLI command handler for creating a MsgSend transaction.
-func NewSendTxCmd() *cobra.Command {
+func NewSendTxCmd(ac address.Codec) *cobra.Command {
 	cmd := &cobra.Command{
 		Use:   "send [from_key_or_address] [to_address] [amount]",
 		Short: "Send funds from one account to another.",
@@ -49,8 +50,7 @@ When using '--dry-run' a key name cannot be used, only a bech32 address.
 			if err != nil {
 				return err
 			}
-
-			toAddr, err := sdk.AccAddressFromBech32(args[1])
+			toAddr, err := ac.StringToBytes(args[1])
 			if err != nil {
 				return err
 			}
@@ -77,7 +77,7 @@ When using '--dry-run' a key name cannot be used, only a bech32 address.
 
 // NewMultiSendTxCmd returns a CLI command handler for creating a MsgMultiSend transaction.
 // For a better UX this command is limited to send funds from one account to two or more accounts.
-func NewMultiSendTxCmd() *cobra.Command {
+func NewMultiSendTxCmd(ac address.Codec) *cobra.Command {
 	cmd := &cobra.Command{
 		Use:   "multi-send [from_key_or_address] [to_address_1, to_address_2, ...] [amount]",
 		Short: "Send funds from one account to two or more accounts.",
@@ -118,7 +118,7 @@ When using '--dry-run' a key name cannot be used, only a bech32 address.
 
 			var output []types.Output
 			for _, arg := range args[1 : len(args)-1] {
-				toAddr, err := sdk.AccAddressFromBech32(arg)
+				toAddr, err := ac.StringToBytes(arg)
 				if err != nil {
 					return err
 				}
diff --git a/x/bank/client/cli/tx_test.go b/x/bank/client/cli/tx_test.go
index 0d66d4944cb..1391ba83529 100644
--- a/x/bank/client/cli/tx_test.go
+++ b/x/bank/client/cli/tx_test.go
@@ -9,6 +9,7 @@ import (
 
 	"github.com/cosmos/cosmos-sdk/client"
 	"github.com/cosmos/cosmos-sdk/client/flags"
+	"github.com/cosmos/cosmos-sdk/codec/address"
 	svrcmd "github.com/cosmos/cosmos-sdk/server/cmd"
 	"github.com/cosmos/cosmos-sdk/testutil"
 	clitestutil "github.com/cosmos/cosmos-sdk/testutil/cli"
@@ -18,7 +19,7 @@ import (
 
 func (s *CLITestSuite) TestSendTxCmd() {
 	accounts := testutil.CreateKeyringAccounts(s.T(), s.kr, 1)
-	cmd := cli.NewSendTxCmd()
+	cmd := cli.NewSendTxCmd(address.NewBech32Codec("cosmos"))
 	cmd.SetOutput(io.Discard)
 
 	extraArgs := []string{
@@ -104,7 +105,7 @@ func (s *CLITestSuite) TestSendTxCmd() {
 func (s *CLITestSuite) TestMultiSendTxCmd() {
 	accounts := testutil.CreateKeyringAccounts(s.T(), s.kr, 3)
 
-	cmd := cli.NewMultiSendTxCmd()
+	cmd := cli.NewMultiSendTxCmd(address.NewBech32Codec("cosmos"))
 	cmd.SetOutput(io.Discard)
 
 	extraArgs := []string{
diff --git a/x/bank/exported/exported.go b/x/bank/exported/exported.go
index 7ab9136e896..60e6872e12c 100644
--- a/x/bank/exported/exported.go
+++ b/x/bank/exported/exported.go
@@ -8,7 +8,7 @@ import (
 // GenesisBalance defines a genesis balance interface that allows for account
 // address and balance retrieval.
 type GenesisBalance interface {
-	GetAddress() sdk.AccAddress
+	GetAddress() string
 	GetCoins() sdk.Coins
 }
 
diff --git a/x/bank/keeper/genesis.go b/x/bank/keeper/genesis.go
index a74208b05b7..cb208b22d33 100644
--- a/x/bank/keeper/genesis.go
+++ b/x/bank/keeper/genesis.go
@@ -26,9 +26,13 @@ func (k BaseKeeper) InitGenesis(ctx context.Context, genState *types.GenesisStat
 
 	for _, balance := range genState.Balances {
 		addr := balance.GetAddress()
+		bz, err := k.ak.AddressCodec().StringToBytes(addr)
+		if err != nil {
+			panic(err)
+		}
 
 		for _, coin := range balance.Coins {
-			err := k.Balances.Set(ctx, collections.Join(addr, coin.Denom), coin.Amount)
+			err := k.Balances.Set(ctx, collections.Join(sdk.AccAddress(bz), coin.Denom), coin.Amount)
 			if err != nil {
 				panic(err)
 			}
diff --git a/x/bank/keeper/grpc_query.go b/x/bank/keeper/grpc_query.go
index 54c32c87dd0..ae2e6782766 100644
--- a/x/bank/keeper/grpc_query.go
+++ b/x/bank/keeper/grpc_query.go
@@ -37,7 +37,7 @@ func (k BaseKeeper) Balance(ctx context.Context, req *types.QueryBalanceRequest)
 	}
 
 	sdkCtx := sdk.UnwrapSDKContext(ctx)
-	address, err := sdk.AccAddressFromBech32(req.Address)
+	address, err := k.ak.AddressCodec().StringToBytes(req.Address)
 	if err != nil {
 		return nil, status.Errorf(codes.InvalidArgument, "invalid address: %s", err.Error())
 	}
@@ -53,7 +53,7 @@ func (k BaseKeeper) AllBalances(ctx context.Context, req *types.QueryAllBalances
 		return nil, status.Error(codes.InvalidArgument, "empty request")
 	}
 
-	addr, err := sdk.AccAddressFromBech32(req.Address)
+	addr, err := k.ak.AddressCodec().StringToBytes(req.Address)
 	if err != nil {
 		return nil, status.Errorf(codes.InvalidArgument, "invalid address: %s", err.Error())
 	}
@@ -86,7 +86,7 @@ func (k BaseKeeper) SpendableBalances(ctx context.Context, req *types.QuerySpend
 		return nil, status.Error(codes.InvalidArgument, "empty request")
 	}
 
-	addr, err := sdk.AccAddressFromBech32(req.Address)
+	addr, err := k.ak.AddressCodec().StringToBytes(req.Address)
 	if err != nil {
 		return nil, status.Errorf(codes.InvalidArgument, "invalid address: %s", err.Error())
 	}
@@ -121,7 +121,7 @@ func (k BaseKeeper) SpendableBalanceByDenom(ctx context.Context, req *types.Quer
 		return nil, status.Error(codes.InvalidArgument, "empty request")
 	}
 
-	addr, err := sdk.AccAddressFromBech32(req.Address)
+	addr, err := k.ak.AddressCodec().StringToBytes(req.Address)
 	if err != nil {
 		return nil, status.Errorf(codes.InvalidArgument, "invalid address: %s", err.Error())
 	}
diff --git a/x/bank/keeper/keeper.go b/x/bank/keeper/keeper.go
index 2d6edfdf960..008e08e9a9c 100644
--- a/x/bank/keeper/keeper.go
+++ b/x/bank/keeper/keeper.go
@@ -97,7 +97,7 @@ func NewBaseKeeper(
 	authority string,
 	logger log.Logger,
 ) BaseKeeper {
-	if _, err := sdk.AccAddressFromBech32(authority); err != nil {
+	if _, err := ak.AddressCodec().StringToBytes(authority); err != nil {
 		panic(fmt.Errorf("invalid bank authority address: %w", err))
 	}
 
diff --git a/x/bank/keeper/keeper_test.go b/x/bank/keeper/keeper_test.go
index ec85b648084..f28346ea292 100644
--- a/x/bank/keeper/keeper_test.go
+++ b/x/bank/keeper/keeper_test.go
@@ -20,6 +20,7 @@ import (
 	storetypes "cosmossdk.io/store/types"
 
 	"github.com/cosmos/cosmos-sdk/baseapp"
+	"github.com/cosmos/cosmos-sdk/codec/address"
 	"github.com/cosmos/cosmos-sdk/runtime"
 	"github.com/cosmos/cosmos-sdk/testutil"
 	sdk "github.com/cosmos/cosmos-sdk/types"
@@ -135,7 +136,7 @@ func (suite *KeeperTestSuite) SetupTest() {
 	// gomock initializations
 	ctrl := gomock.NewController(suite.T())
 	authKeeper := banktestutil.NewMockAccountKeeper(ctrl)
-
+	authKeeper.EXPECT().AddressCodec().Return(address.NewBech32Codec("cosmos")).AnyTimes()
 	suite.ctx = ctx
 	suite.authKeeper = authKeeper
 	suite.bankKeeper = keeper.NewBaseKeeper(
@@ -244,7 +245,7 @@ func (suite *KeeperTestSuite) TestGetAuthority() {
 		return keeper.NewBaseKeeper(
 			moduletestutil.MakeTestEncodingConfig().Codec,
 			storeService,
-			nil,
+			suite.authKeeper,
 			nil,
 			authority,
 			log.NewNopLogger(),
diff --git a/x/bank/keeper/msg_server.go b/x/bank/keeper/msg_server.go
index 1a4209411d8..c6fbedf8369 100644
--- a/x/bank/keeper/msg_server.go
+++ b/x/bank/keeper/msg_server.go
@@ -27,14 +27,22 @@ func NewMsgServerImpl(keeper Keeper) types.MsgServer {
 }
 
 func (k msgServer) Send(goCtx context.Context, msg *types.MsgSend) (*types.MsgSendResponse, error) {
-	from, err := sdk.AccAddressFromBech32(msg.FromAddress)
-	if err != nil {
-		return nil, sdkerrors.ErrInvalidAddress.Wrapf("invalid from address: %s", err)
-	}
-
-	to, err := sdk.AccAddressFromBech32(msg.ToAddress)
-	if err != nil {
-		return nil, sdkerrors.ErrInvalidAddress.Wrapf("invalid to address: %s", err)
+	var (
+		from, to []byte
+		err      error
+	)
+
+	if base, ok := k.Keeper.(BaseKeeper); ok {
+		from, err = base.ak.AddressCodec().StringToBytes(msg.FromAddress)
+		if err != nil {
+			return nil, sdkerrors.ErrInvalidAddress.Wrapf("invalid from address: %s", err)
+		}
+		to, err = base.ak.AddressCodec().StringToBytes(msg.ToAddress)
+		if err != nil {
+			return nil, sdkerrors.ErrInvalidAddress.Wrapf("invalid to address: %s", err)
+		}
+	} else {
+		return nil, sdkerrors.ErrInvalidRequest.Wrapf("invalid keeper type: %T", k.Keeper)
 	}
 
 	if !msg.Amount.IsValid() {
@@ -101,10 +109,17 @@ func (k msgServer) MultiSend(goCtx context.Context, msg *types.MsgMultiSend) (*t
 	}
 
 	for _, out := range msg.Outputs {
-		accAddr := sdk.MustAccAddressFromBech32(out.Address)
+		if base, ok := k.Keeper.(BaseKeeper); ok {
+			accAddr, err := base.ak.AddressCodec().StringToBytes(out.Address)
+			if err != nil {
+				return nil, err
+			}
 
-		if k.BlockedAddr(accAddr) {
-			return nil, errorsmod.Wrapf(sdkerrors.ErrUnauthorized, "%s is not allowed to receive funds", out.Address)
+			if k.BlockedAddr(accAddr) {
+				return nil, errorsmod.Wrapf(sdkerrors.ErrUnauthorized, "%s is not allowed to receive funds", out.Address)
+			}
+		} else {
+			return nil, sdkerrors.ErrInvalidRequest.Wrapf("invalid keeper type: %T", k.Keeper)
 		}
 	}
 
diff --git a/x/bank/keeper/send.go b/x/bank/keeper/send.go
index ecd0e015a6a..5219d251355 100644
--- a/x/bank/keeper/send.go
+++ b/x/bank/keeper/send.go
@@ -73,7 +73,7 @@ func NewBaseSendKeeper(
 	authority string,
 	logger log.Logger,
 ) BaseSendKeeper {
-	if _, err := sdk.AccAddressFromBech32(authority); err != nil {
+	if _, err := ak.AddressCodec().StringToBytes(authority); err != nil {
 		panic(fmt.Errorf("invalid bank authority address: %w", err))
 	}
 
@@ -125,7 +125,7 @@ func (k BaseSendKeeper) InputOutputCoins(ctx context.Context, input types.Input,
 		return err
 	}
 
-	inAddress, err := sdk.AccAddressFromBech32(input.Address)
+	inAddress, err := k.ak.AddressCodec().StringToBytes(input.Address)
 	if err != nil {
 		return err
 	}
@@ -144,7 +144,7 @@ func (k BaseSendKeeper) InputOutputCoins(ctx context.Context, input types.Input,
 	)
 
 	for _, out := range outputs {
-		outAddress, err := sdk.AccAddressFromBech32(out.Address)
+		outAddress, err := k.ak.AddressCodec().StringToBytes(out.Address)
 		if err != nil {
 			return err
 		}
diff --git a/x/bank/module.go b/x/bank/module.go
index 893267bcae9..ca201365d03 100644
--- a/x/bank/module.go
+++ b/x/bank/module.go
@@ -7,6 +7,7 @@ import (
 	"time"
 
 	modulev1 "cosmossdk.io/api/cosmos/bank/module/v1"
+	"cosmossdk.io/core/address"
 	"cosmossdk.io/core/appmodule"
 	"cosmossdk.io/depinject"
 	"cosmossdk.io/log"
@@ -45,6 +46,7 @@ var (
 // AppModuleBasic defines the basic application module used by the bank module.
 type AppModuleBasic struct {
 	cdc codec.Codec
+	ac  address.Codec
 }
 
 // Name returns the bank module's name.
@@ -79,13 +81,13 @@ func (AppModuleBasic) RegisterGRPCGatewayRoutes(clientCtx client.Context, mux *g
 }
 
 // GetTxCmd returns the root tx command for the bank module.
-func (AppModuleBasic) GetTxCmd() *cobra.Command {
-	return cli.NewTxCmd()
+func (ab AppModuleBasic) GetTxCmd() *cobra.Command {
+	return cli.NewTxCmd(ab.ac)
 }
 
 // GetQueryCmd returns no root query command for the bank module.
-func (AppModuleBasic) GetQueryCmd() *cobra.Command {
-	return cli.GetQueryCmd()
+func (ab AppModuleBasic) GetQueryCmd() *cobra.Command {
+	return cli.GetQueryCmd(ab.ac)
 }
 
 // RegisterInterfaces registers interfaces and implementations of the bank module.
@@ -137,7 +139,7 @@ func (am AppModule) RegisterServices(cfg module.Configurator) {
 // NewAppModule creates a new AppModule object
 func NewAppModule(cdc codec.Codec, keeper keeper.Keeper, accountKeeper types.AccountKeeper, ss exported.Subspace) AppModule {
 	return AppModule{
-		AppModuleBasic: AppModuleBasic{cdc: cdc},
+		AppModuleBasic: AppModuleBasic{cdc: cdc, ac: accountKeeper.AddressCodec()},
 		keeper:         keeper,
 		accountKeeper:  accountKeeper,
 		legacySubspace: ss,
diff --git a/x/bank/simulation/genesis_test.go b/x/bank/simulation/genesis_test.go
index ef036617dba..3de14ad2c82 100644
--- a/x/bank/simulation/genesis_test.go
+++ b/x/bank/simulation/genesis_test.go
@@ -45,7 +45,7 @@ func TestRandomizedGenState(t *testing.T) {
 	assert.Equal(t, true, bankGenesis.Params.GetDefaultSendEnabled(), "Params.GetDefaultSendEnabled")
 	assert.Len(t, bankGenesis.Params.GetSendEnabled(), 0, "Params.GetSendEnabled") //nolint:staticcheck // we're testing deprecated code here
 	if assert.Len(t, bankGenesis.Balances, 3) {
-		assert.Equal(t, "cosmos1ghekyjucln7y67ntx7cf27m9dpuxxemn4c8g4r", bankGenesis.Balances[2].GetAddress().String(), "Balances[2] address")
+		assert.Equal(t, "cosmos1ghekyjucln7y67ntx7cf27m9dpuxxemn4c8g4r", bankGenesis.Balances[2].Address, "Balances[2] address")
 		assert.Equal(t, "1000stake", bankGenesis.Balances[2].GetCoins().String(), "Balances[2] coins")
 	}
 	assert.Equal(t, "6000stake", bankGenesis.Supply.String(), "Supply")
diff --git a/x/bank/simulation/proposals_test.go b/x/bank/simulation/proposals_test.go
index 5365a4fbf6b..0dcc42b02c9 100644
--- a/x/bank/simulation/proposals_test.go
+++ b/x/bank/simulation/proposals_test.go
@@ -1,7 +1,6 @@
 package simulation_test
 
 import (
-	"fmt"
 	"math/rand"
 	"testing"
 
@@ -37,7 +36,6 @@ func TestProposalMsgs(t *testing.T) {
 	msgUpdateParams, ok := msg.(*types.MsgUpdateParams)
 	assert.Assert(t, ok)
 
-	fmt.Println(msgUpdateParams)
 	assert.Equal(t, sdk.AccAddress(address.Module("gov")).String(), msgUpdateParams.Authority)
 	assert.Assert(t, len(msgUpdateParams.Params.SendEnabled) == 0) //nolint:staticcheck // we're testing deprecated code here
 	assert.Equal(t, true, msgUpdateParams.Params.DefaultSendEnabled)
diff --git a/x/bank/testutil/expected_keepers_mocks.go b/x/bank/testutil/expected_keepers_mocks.go
index 3b566822844..fcdfd8a472e 100644
--- a/x/bank/testutil/expected_keepers_mocks.go
+++ b/x/bank/testutil/expected_keepers_mocks.go
@@ -8,6 +8,7 @@ import (
 	context "context"
 	reflect "reflect"
 
+	address "cosmossdk.io/core/address"
 	types "github.com/cosmos/cosmos-sdk/types"
 	types0 "github.com/cosmos/cosmos-sdk/x/auth/types"
 	gomock "github.com/golang/mock/gomock"
@@ -36,6 +37,20 @@ func (m *MockAccountKeeper) EXPECT() *MockAccountKeeperMockRecorder {
 	return m.recorder
 }
 
+// AddressCodec mocks base method.
+func (m *MockAccountKeeper) AddressCodec() address.Codec {
+	m.ctrl.T.Helper()
+	ret := m.ctrl.Call(m, "AddressCodec")
+	ret0, _ := ret[0].(address.Codec)
+	return ret0
+}
+
+// AddressCodec indicates an expected call of AddressCodec.
+func (mr *MockAccountKeeperMockRecorder) AddressCodec() *gomock.Call {
+	mr.mock.ctrl.T.Helper()
+	return mr.mock.ctrl.RecordCallWithMethodType(mr.mock, "AddressCodec", reflect.TypeOf((*MockAccountKeeper)(nil).AddressCodec))
+}
+
 // GetAccount mocks base method.
 func (m *MockAccountKeeper) GetAccount(ctx context.Context, addr types.AccAddress) types.AccountI {
 	m.ctrl.T.Helper()
diff --git a/x/bank/types/balance.go b/x/bank/types/balance.go
index 3b0decadbea..b1988ed50d7 100644
--- a/x/bank/types/balance.go
+++ b/x/bank/types/balance.go
@@ -13,8 +13,8 @@ import (
 var _ exported.GenesisBalance = (*Balance)(nil)
 
 // GetAddress returns the account address of the Balance object.
-func (b Balance) GetAddress() sdk.AccAddress {
-	return sdk.MustAccAddressFromBech32(b.Address)
+func (b Balance) GetAddress() string {
+	return b.Address
 }
 
 // GetCoins returns the account coins of the Balance object.
diff --git a/x/bank/types/balance_test.go b/x/bank/types/balance_test.go
index 818ce152f8f..0be898e2b9c 100644
--- a/x/bank/types/balance_test.go
+++ b/x/bank/types/balance_test.go
@@ -1,7 +1,6 @@
 package types_test
 
 import (
-	"bytes"
 	"testing"
 
 	"cosmossdk.io/math"
@@ -118,9 +117,9 @@ func TestBalanceValidate(t *testing.T) {
 
 func TestBalance_GetAddress(t *testing.T) {
 	tests := []struct {
-		name      string
-		Address   string
-		wantPanic bool
+		name    string
+		Address string
+		err     bool
 	}{
 		{"empty address", "", true},
 		{"malformed address", "invalid", true},
@@ -130,10 +129,10 @@ func TestBalance_GetAddress(t *testing.T) {
 		tt := tt
 		t.Run(tt.name, func(t *testing.T) {
 			b := bank.Balance{Address: tt.Address}
-			if tt.wantPanic {
-				require.Panics(t, func() { b.GetAddress() })
+			if !tt.err {
+				require.Equal(t, b.GetAddress(), tt.Address)
 			} else {
-				require.False(t, b.GetAddress().Empty())
+				require.False(t, len(b.GetAddress()) != 0 && b.GetAddress() != tt.Address)
 			}
 		})
 	}
@@ -164,8 +163,7 @@ func TestSanitizeBalances(t *testing.T) {
 		// Ensure that every single value that comes after i is less than it.
 		for j := i + 1; j < len(sorted); j++ {
 			aj := sorted[j]
-
-			if got := bytes.Compare(ai.GetAddress(), aj.GetAddress()); got > 0 {
+			if ai.GetAddress() == aj.GetAddress() {
 				t.Errorf("Balance(%d) > Balance(%d)", i, j)
 			}
 		}
diff --git a/x/bank/types/expected_keepers.go b/x/bank/types/expected_keepers.go
index c1a8911107c..8e6e32301cd 100644
--- a/x/bank/types/expected_keepers.go
+++ b/x/bank/types/expected_keepers.go
@@ -3,6 +3,7 @@ package types
 import (
 	context "context"
 
+	"cosmossdk.io/core/address"
 	sdk "github.com/cosmos/cosmos-sdk/types"
 	"github.com/cosmos/cosmos-sdk/x/auth/types"
 )
@@ -10,6 +11,8 @@ import (
 // AccountKeeper defines the account contract that must be fulfilled when
 // creating a x/bank keeper.
 type AccountKeeper interface {
+	AddressCodec() address.Codec
+
 	NewAccount(context.Context, sdk.AccountI) sdk.AccountI
 	NewAccountWithAddress(ctx context.Context, addr sdk.AccAddress) sdk.AccountI
 
diff --git a/x/genutil/collect.go b/x/genutil/collect.go
index 9d99559375c..d7fbf38dcdb 100644
--- a/x/genutil/collect.go
+++ b/x/genutil/collect.go
@@ -86,7 +86,8 @@ func CollectTxs(cdc codec.JSONCodec, txJSONDecoder sdk.TxDecoder, moniker, genTx
 	genBalIterator.IterateGenesisBalances(
 		cdc, appState,
 		func(balance bankexported.GenesisBalance) (stop bool) {
-			balancesMap[balance.GetAddress().String()] = balance
+			addr := balance.GetAddress()
+			balancesMap[addr] = balance
 			return false
 		},
 	)
@@ -161,7 +162,7 @@ func CollectTxs(cdc codec.JSONCodec, txJSONDecoder sdk.TxDecoder, moniker, genTx
 		if delBal.GetCoins().AmountOf(msg.Value.Denom).LT(msg.Value.Amount) {
 			return appGenTxs, persistentPeers, fmt.Errorf(
 				"insufficient fund for delegation %v: %v < %v",
-				delBal.GetAddress().String(), delBal.GetCoins().AmountOf(msg.Value.Denom), msg.Value.Amount,
+				delBal.GetAddress(), delBal.GetCoins().AmountOf(msg.Value.Denom), msg.Value.Amount,
 			)
 		}
 
diff --git a/x/genutil/gentx.go b/x/genutil/gentx.go
index 31e3c78afa7..c5021e0b709 100644
--- a/x/genutil/gentx.go
+++ b/x/genutil/gentx.go
@@ -3,6 +3,7 @@ package genutil
 import (
 	"encoding/json"
 	"fmt"
+	"strings"
 
 	"cosmossdk.io/core/genesis"
 	abci "github.com/cometbft/cometbft/abci/types"
@@ -53,9 +54,8 @@ func ValidateAccountInGenesis(
 		func(bal bankexported.GenesisBalance) (stop bool) {
 			accAddress := bal.GetAddress()
 			accCoins := bal.GetCoins()
-
 			// ensure that account is in genesis
-			if accAddress.Equals(addr) {
+			if strings.EqualFold(accAddress, addr.String()) {
 				// ensure account contains enough funds of default bond denom
 				if coins.AmountOf(bondDenom).GT(accCoins.AmountOf(bondDenom)) {
 					err = fmt.Errorf(
diff --git a/x/genutil/types/genesis_state_test.go b/x/genutil/types/genesis_state_test.go
index 1c0ae70de73..dc8b469732d 100644
--- a/x/genutil/types/genesis_state_test.go
+++ b/x/genutil/types/genesis_state_test.go
@@ -87,7 +87,7 @@ func TestGenesisStateFromGenFile(t *testing.T) {
 
 	require.True(t, bankGenesis.Params.DefaultSendEnabled)
 	require.Equal(t, "1000nametoken,100000000stake", bankGenesis.Balances[0].GetCoins().String())
-	require.Equal(t, "cosmos106vrzv5xkheqhjm023pxcxlqmcjvuhtfyachz4", bankGenesis.Balances[0].GetAddress().String())
+	require.Equal(t, "cosmos106vrzv5xkheqhjm023pxcxlqmcjvuhtfyachz4", bankGenesis.Balances[0].Address)
 	require.Equal(t, "The native staking token of the Cosmos Hub.", bankGenesis.DenomMetadata[0].GetDescription())
 	require.Equal(t, "uatom", bankGenesis.DenomMetadata[0].GetBase())
 	require.Equal(t, "matom", bankGenesis.DenomMetadata[0].GetDenomUnits()[1].GetDenom())
diff --git a/x/group/client/cli/tx_test.go b/x/group/client/cli/tx_test.go
index 20f0fe2024b..23b9aa5d6b7 100644
--- a/x/group/client/cli/tx_test.go
+++ b/x/group/client/cli/tx_test.go
@@ -89,7 +89,7 @@ func (s *CLITestSuite) SetupSuite() {
 		s.clientCtx,
 		val.Address,
 		account,
-		sdk.NewCoins(sdk.NewCoin("stake", sdkmath.NewInt(2000))), fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
+		sdk.NewCoins(sdk.NewCoin("stake", sdk.NewInt(2000))), address.NewBech32Codec("cosmos"), fmt.Sprintf("--%s=true", flags.FlagSkipConfirmation),
 		fmt.Sprintf("--%s=%s", flags.FlagBroadcastMode, flags.BroadcastSync),
 		fmt.Sprintf("--%s=%s", flags.FlagFees, sdk.NewCoins(sdk.NewCoin("stake", sdkmath.NewInt(10))).String()),
 	)
diff --git a/x/nft/client/cli/tx_test.go b/x/nft/client/cli/tx_test.go
index 6fd09133f33..a6ad4dc0bc2 100644
--- a/x/nft/client/cli/tx_test.go
+++ b/x/nft/client/cli/tx_test.go
@@ -12,6 +12,7 @@ import (
 
 	"github.com/cosmos/cosmos-sdk/client"
 	"github.com/cosmos/cosmos-sdk/client/flags"
+	codecaddress "github.com/cosmos/cosmos-sdk/codec/address"
 	"github.com/cosmos/cosmos-sdk/crypto/keyring"
 	svrcmd "github.com/cosmos/cosmos-sdk/server/cmd"
 	"github.com/cosmos/cosmos-sdk/testutil"
@@ -20,6 +21,7 @@ import (
 	sdk "github.com/cosmos/cosmos-sdk/types"
 	testutilmod "github.com/cosmos/cosmos-sdk/types/module/testutil"
 
+	"cosmossdk.io/core/address"
 	"cosmossdk.io/x/nft"
 	"cosmossdk.io/x/nft/client/cli"
 	nftmodule "cosmossdk.io/x/nft/module"
@@ -74,6 +76,8 @@ type CLITestSuite struct {
 	ctx       context.Context
 
 	owner sdk.AccAddress
+
+	ac address.Codec
 }
 
 func TestCLITestSuite(t *testing.T) {
@@ -118,6 +122,8 @@ func (s *CLITestSuite) SetupSuite() {
 	s.Require().NoError(err)
 	genesisState[nft.ModuleName] = nftDataBz
 
+	s.ac = codecaddress.NewBech32Codec("cosmos")
+
 	s.initAccount()
 }
 
@@ -227,6 +233,6 @@ func (s *CLITestSuite) initAccount() {
 	s.Require().NoError(err)
 
 	amount := sdk.NewCoins(sdk.NewCoin("stake", sdk.NewInt(200)))
-	_, err = clitestutil.MsgSendExec(ctx, accounts[0].Address, s.owner, amount, args...)
+	_, err = clitestutil.MsgSendExec(ctx, accounts[0].Address, s.owner, amount, s.ac, args...)
 	s.Require().NoError(err)
 }