diff --git a/backend/src/apis/dltConnector/DltConnectorClient.test.ts b/backend/src/apis/dltConnector/DltConnectorClient.test.ts
index 5cd7c3269..28c1c969c 100644
--- a/backend/src/apis/dltConnector/DltConnectorClient.test.ts
+++ b/backend/src/apis/dltConnector/DltConnectorClient.test.ts
@@ -10,11 +10,9 @@ import { Decimal } from 'decimal.js-light'
 import { cleanDB, testEnvironment } from '@test/helpers'
 
 import { CONFIG } from '@/config'
-import { LogError } from '@/server/LogError'
 import { backendLogger as logger } from '@/server/logger'
 
 import { DltConnectorClient } from './DltConnectorClient'
-import { TransactionDraft } from './model/TransactionDraft'
 
 let con: Connection
 
diff --git a/backend/src/apis/dltConnector/enum/TransactionType.ts b/backend/src/apis/dltConnector/enum/TransactionType.ts
index 095f56c47..d12bb3fa2 100644
--- a/backend/src/apis/dltConnector/enum/TransactionType.ts
+++ b/backend/src/apis/dltConnector/enum/TransactionType.ts
@@ -9,6 +9,7 @@ export enum TransactionType {
   GROUP_FRIENDS_UPDATE = 'GROUP_FRIENDS_UPDATE',
   REGISTER_ADDRESS = 'REGISTER_ADDRESS',
   GRADIDO_DEFERRED_TRANSFER = 'GRADIDO_DEFERRED_TRANSFER',
+  GRADIDO_REDEEM_DEFERRED_TRANSFER = 'GRADIDO_REDEEM_DEFERRED_TRANSFER',
   COMMUNITY_ROOT = 'COMMUNITY_ROOT',
 }
 
diff --git a/backend/src/apis/dltConnector/interaction/transactionToDlt/TransactionLinkDeleteToDlt.role.ts b/backend/src/apis/dltConnector/interaction/transactionToDlt/TransactionLinkDeleteToDlt.role.ts
index 742a0b96d..b761b71c6 100644
--- a/backend/src/apis/dltConnector/interaction/transactionToDlt/TransactionLinkDeleteToDlt.role.ts
+++ b/backend/src/apis/dltConnector/interaction/transactionToDlt/TransactionLinkDeleteToDlt.role.ts
@@ -25,6 +25,7 @@ export class TransactionLinkDeleteToDltRole extends AbstractTransactionToDltRole
     )
       .andWhere('TransactionLink.deletedAt IS NOT NULL')
       .withDeleted()
+    /*
     const queryBuilder2 = TransactionLink.createQueryBuilder()
       .leftJoinAndSelect('TransactionLink.user', 'user')
       .where('TransactionLink.deletedAt IS NOT NULL')
@@ -41,6 +42,7 @@ export class TransactionLinkDeleteToDltRole extends AbstractTransactionToDltRole
       .withDeleted()
       // eslint-disable-next-line camelcase
       .orderBy({ TransactionLink_deletedAt: 'ASC', User_id: 'ASC' })
+      */
     // console.log('query: ', queryBuilder.getSql())
     this.self = await queryBuilder.getOne()
     return this
@@ -67,9 +69,9 @@ export class TransactionLinkDeleteToDltRole extends AbstractTransactionToDltRole
     draft.amount = this.self.amount.abs().toString()
     const user = this.self.user
     draft.user = new UserIdentifier(user.communityUuid, new IdentifierSeed(this.self.code))
-    draft.linkedUser = new UserIdentifier(user.communityUuid, new CommunityUser(user.gradidoID))
+    draft.linkedUser = new UserIdentifier(user.communityUuid, new CommunityUser(user.gradidoID, 1))
     draft.createdAt = this.self.deletedAt.toISOString()
-    draft.type = TransactionType.GRADIDO_TRANSFER
+    draft.type = TransactionType.GRADIDO_REDEEM_DEFERRED_TRANSFER
     return draft
   }
 
diff --git a/backend/src/apis/dltConnector/interaction/transactionToDlt/TransactionLinkToDlt.role.ts b/backend/src/apis/dltConnector/interaction/transactionToDlt/TransactionLinkToDlt.role.ts
index 916aacbfc..16ba7f6f8 100644
--- a/backend/src/apis/dltConnector/interaction/transactionToDlt/TransactionLinkToDlt.role.ts
+++ b/backend/src/apis/dltConnector/interaction/transactionToDlt/TransactionLinkToDlt.role.ts
@@ -40,10 +40,11 @@ export class TransactionLinkToDltRole extends AbstractTransactionToDltRole<Trans
     const draft = new TransactionDraft()
     draft.amount = this.self.amount.abs().toString()
     const user = this.self.user
-    draft.user = new UserIdentifier(user.communityUuid, new CommunityUser(user.gradidoID))
+    draft.user = new UserIdentifier(user.communityUuid, new CommunityUser(user.gradidoID, 1))
     draft.linkedUser = new UserIdentifier(user.communityUuid, new IdentifierSeed(this.self.code))
     draft.createdAt = this.self.createdAt.toISOString()
-    draft.timeoutDate = this.self.validUntil.toISOString()
+    draft.timeoutDuration = (this.self.validUntil.getTime() - this.self.createdAt.getTime()) / 1000
+    draft.memo = this.self.memo
     draft.type = TransactionType.GRADIDO_DEFERRED_TRANSFER
     return draft
   }
diff --git a/backend/src/apis/dltConnector/interaction/transactionToDlt/TransactionToDlt.role.ts b/backend/src/apis/dltConnector/interaction/transactionToDlt/TransactionToDlt.role.ts
index 2d850a24c..eb6658835 100644
--- a/backend/src/apis/dltConnector/interaction/transactionToDlt/TransactionToDlt.role.ts
+++ b/backend/src/apis/dltConnector/interaction/transactionToDlt/TransactionToDlt.role.ts
@@ -81,13 +81,14 @@ export class TransactionToDltRole extends AbstractTransactionToDltRole<Transacti
     } else {
       draft.user = new UserIdentifier(
         this.self.userCommunityUuid,
-        new CommunityUser(this.self.userGradidoID),
+        new CommunityUser(this.self.userGradidoID, 1),
       )
     }
     draft.linkedUser = new UserIdentifier(
       this.self.linkedUserCommunityUuid,
-      new CommunityUser(this.self.linkedUserGradidoID),
+      new CommunityUser(this.self.linkedUserGradidoID, 1),
     )
+    draft.memo = this.self.memo
     draft.createdAt = this.self.balanceDate.toISOString()
     draft.targetDate = this.self.creationDate?.toISOString()
     return draft
diff --git a/backend/src/apis/dltConnector/model/TransactionDraft.ts b/backend/src/apis/dltConnector/model/TransactionDraft.ts
index 8a2d7bdd5..d197fe629 100755
--- a/backend/src/apis/dltConnector/model/TransactionDraft.ts
+++ b/backend/src/apis/dltConnector/model/TransactionDraft.ts
@@ -10,12 +10,13 @@ export class TransactionDraft {
   linkedUser?: UserIdentifier
   // not used for register address
   amount?: string
+  memo?: string
   type: TransactionType
   createdAt: string
   // only for creation transaction
   targetDate?: string
   // only for deferred transaction
-  timeoutDate?: string
+  timeoutDuration?: number
   // only for register address
   accountType?: AccountType
 }
diff --git a/dlt-connector/package.json b/dlt-connector/package.json
index db7192cc1..d3feb2df0 100644
--- a/dlt-connector/package.json
+++ b/dlt-connector/package.json
@@ -26,7 +26,7 @@
     "dotenv": "10.0.0",
     "express": "4.17.1",
     "express-slow-down": "^2.0.1",
-    "gradido-blockchain-js": "git+https://github.com/gradido/gradido-blockchain-js#master",
+    "gradido-blockchain-js": "git+https://github.com/gradido/gradido-blockchain-js#1c75576",
     "graphql": "^16.7.1",
     "graphql-request": "^6.1.0",
     "graphql-scalars": "^1.22.2",
diff --git a/dlt-connector/src/client/GradidoNode.ts b/dlt-connector/src/client/GradidoNode.ts
index a33e5adc2..9e47ead87 100644
--- a/dlt-connector/src/client/GradidoNode.ts
+++ b/dlt-connector/src/client/GradidoNode.ts
@@ -1,5 +1,5 @@
 /* eslint-disable camelcase */
-import { AddressType, ConfirmedTransaction, stringToAddressType } from 'gradido-blockchain-js'
+import { AddressType, ConfirmedTransaction, MemoryBlock, stringToAddressType } from 'gradido-blockchain-js'
 import JsonRpcClient from 'jsonrpc-ts-client'
 import { JsonRpcEitherResponse } from 'jsonrpc-ts-client/dist/types/utils/jsonrpc'
 
@@ -121,4 +121,36 @@ async function getAddressType(pubkey: Buffer, iotaTopic: string): Promise<Addres
   )
 }
 
-export { getTransaction, getLastTransaction, getTransactions, getAddressType }
+async function getTransactionsForAccount(
+  pubkey: MemoryBlock,
+  iotaTopic: string,
+  maxResultCount = 0,
+  firstTransactionNr = 1,
+): Promise<ConfirmedTransaction[] | undefined> {
+  const parameter = {
+    pubkey: pubkey.convertToHex(),
+    format: 'base64',
+    firstTransactionNr,
+    maxResultCount,
+    communityId: iotaTopic,
+  }
+  logger.info('call listtransactionsforaddress on Node Server via jsonrpc 2.0', parameter)
+  const response = await client.exec<ConfirmedTransactionList>(
+    'listtransactionsforaddress',
+    parameter,
+  )
+  return resolveResponse(response, (result: ConfirmedTransactionList) => {
+    logger.debug('GradidoNode used time', result.timeUsed)
+    return result.transactions.map((transactionBase64) =>
+      confirmedTransactionFromBase64(transactionBase64),
+    )
+  })
+}
+
+export {
+  getTransaction,
+  getLastTransaction,
+  getTransactions,
+  getAddressType,
+  getTransactionsForAccount,
+}
diff --git a/dlt-connector/src/data/KeyPairIdentifier.ts b/dlt-connector/src/data/KeyPairIdentifier.ts
new file mode 100644
index 000000000..3a98c2e0e
--- /dev/null
+++ b/dlt-connector/src/data/KeyPairIdentifier.ts
@@ -0,0 +1,72 @@
+import { UserIdentifier } from '@/graphql/input/UserIdentifier'
+import { LogError } from '@/server/LogError'
+import { uuid4sToMemoryBlock } from '@/utils/typeConverter'
+
+export class KeyPairIdentifier {
+  // used for community key pair if it is only parameter or for user key pair
+  communityUuid?: string
+  // if set calculate key pair from seed, ignore all other parameter
+  seed?: string
+  // used for user key pair and account key pair, need also communityUuid
+  userUuid?: string
+  // used for account key pair, need also userUuid
+  accountNr?: number
+
+  public constructor(input: UserIdentifier | string | undefined = undefined) {
+    if (input instanceof UserIdentifier) {
+      if (input.seed !== undefined) {
+        this.seed = input.seed.seed
+      } else {
+        this.communityUuid = input.communityUuid
+        this.userUuid = input.communityUser?.uuid
+        this.accountNr = input.communityUser?.accountNr
+      }
+    } else if (typeof input === 'string') {
+      this.communityUuid = input
+    }
+  }
+
+  isCommunityKeyPair(): boolean {
+    return this.communityUuid !== undefined && this.userUuid === undefined
+  }
+
+  isSeedKeyPair(): boolean {
+    return this.seed !== undefined
+  }
+
+  isUserKeyPair(): boolean {
+    return (
+      this.communityUuid !== undefined &&
+      this.userUuid !== undefined &&
+      this.accountNr === undefined
+    )
+  }
+
+  isAccountKeyPair(): boolean {
+    return (
+      this.communityUuid !== undefined &&
+      this.userUuid !== undefined &&
+      this.accountNr !== undefined
+    )
+  }
+
+  getKey(): string {
+    if (this.seed && this.isSeedKeyPair()) {
+      return this.seed
+    } else if (this.communityUuid && this.isCommunityKeyPair()) {
+      return this.communityUuid
+    }
+    if (this.userUuid && this.communityUuid) {
+      const communityUserHash = uuid4sToMemoryBlock([this.userUuid, this.communityUuid])
+        .calculateHash()
+        .convertToHex()
+      if (this.isUserKeyPair()) {
+        return communityUserHash
+      }
+      if (this.accountNr && this.isAccountKeyPair()) {
+        return communityUserHash + this.accountNr.toString()
+      }
+    }
+    throw new LogError('KeyPairIdentifier: unhandled input type', this)
+  }
+}
diff --git a/dlt-connector/src/graphql/const.ts b/dlt-connector/src/graphql/const.ts
new file mode 100644
index 000000000..ce7186a54
--- /dev/null
+++ b/dlt-connector/src/graphql/const.ts
@@ -0,0 +1,2 @@
+export const MEMO_MAX_CHARS = 255
+export const MEMO_MIN_CHARS = 5
diff --git a/dlt-connector/src/graphql/enum/InputTransactionType.ts b/dlt-connector/src/graphql/enum/InputTransactionType.ts
index 20e5e40f9..f1b56823e 100755
--- a/dlt-connector/src/graphql/enum/InputTransactionType.ts
+++ b/dlt-connector/src/graphql/enum/InputTransactionType.ts
@@ -8,6 +8,7 @@ export enum InputTransactionType {
   GROUP_FRIENDS_UPDATE = 'GROUP_FRIENDS_UPDATE',
   REGISTER_ADDRESS = 'REGISTER_ADDRESS',
   GRADIDO_DEFERRED_TRANSFER = 'GRADIDO_DEFERRED_TRANSFER',
+  GRADIDO_REDEEM_DEFERRED_TRANSFER = 'GRADIDO_REDEEM_DEFERRED_TRANSFER',
   COMMUNITY_ROOT = 'COMMUNITY_ROOT',
 }
 
diff --git a/dlt-connector/src/graphql/enum/TransactionErrorType.ts b/dlt-connector/src/graphql/enum/TransactionErrorType.ts
index 5a8a2a06b..f89df4afe 100644
--- a/dlt-connector/src/graphql/enum/TransactionErrorType.ts
+++ b/dlt-connector/src/graphql/enum/TransactionErrorType.ts
@@ -5,6 +5,7 @@ import { registerEnumType } from 'type-graphql'
 export enum TransactionErrorType {
   NOT_IMPLEMENTED_YET = 'Not Implemented yet',
   MISSING_PARAMETER = 'Missing parameter',
+  INVALID_PARAMETER = 'Invalid parameter',
   ALREADY_EXIST = 'Already exist',
   DB_ERROR = 'DB Error',
   PROTO_DECODE_ERROR = 'Proto Decode Error',
diff --git a/dlt-connector/src/graphql/input/TransactionDraft.ts b/dlt-connector/src/graphql/input/TransactionDraft.ts
index 3b2099ab6..0306d70e0 100755
--- a/dlt-connector/src/graphql/input/TransactionDraft.ts
+++ b/dlt-connector/src/graphql/input/TransactionDraft.ts
@@ -1,9 +1,10 @@
 // https://www.npmjs.com/package/@apollo/protobufjs
 import { InputTransactionType } from '@enum/InputTransactionType'
 import { isValidDateString, isValidNumberString } from '@validator/DateString'
-import { IsEnum, IsObject, ValidateNested } from 'class-validator'
+import { IsEnum, IsObject, IsPositive, MaxLength, MinLength, ValidateNested } from 'class-validator'
 import { InputType, Field } from 'type-graphql'
 
+import { MEMO_MAX_CHARS, MEMO_MIN_CHARS } from '@/graphql//const'
 import { AccountType } from '@/graphql/enum/AccountType'
 
 import { UserIdentifier } from './UserIdentifier'
@@ -26,6 +27,11 @@ export class TransactionDraft {
   @isValidNumberString()
   amount?: string
 
+  @Field(() => String, { nullable: true })
+  @MaxLength(MEMO_MAX_CHARS)
+  @MinLength(MEMO_MIN_CHARS)
+  memo?: string
+
   @Field(() => InputTransactionType)
   @IsEnum(InputTransactionType)
   type: InputTransactionType
@@ -40,9 +46,10 @@ export class TransactionDraft {
   targetDate?: string
 
   // only for deferred transaction
-  @Field(() => String, { nullable: true })
-  @isValidDateString()
-  timeoutDate?: string
+  // duration in seconds
+  @Field(() => Number, { nullable: true })
+  @IsPositive()
+  timeoutDuration?: number
 
   // only for register address
   @Field(() => AccountType, { nullable: true })
diff --git a/dlt-connector/src/graphql/resolver/AccountsResolver.ts b/dlt-connector/src/graphql/resolver/AccountsResolver.ts
index ab7203285..3db0ac26b 100644
--- a/dlt-connector/src/graphql/resolver/AccountsResolver.ts
+++ b/dlt-connector/src/graphql/resolver/AccountsResolver.ts
@@ -3,9 +3,9 @@ import { AddressType_NONE } from 'gradido-blockchain-js'
 import { Arg, Query, Resolver } from 'type-graphql'
 
 import { getAddressType } from '@/client/GradidoNode'
+import { KeyPairIdentifier } from '@/data/KeyPairIdentifier'
 import { KeyPairCalculation } from '@/interactions/keyPairCalculation/KeyPairCalculation.context'
 import { logger } from '@/logging/logger'
-import { KeyPairCacheManager } from '@/manager/KeyPairCacheManager'
 import { uuid4ToHash } from '@/utils/typeConverter'
 
 import { TransactionErrorType } from '../enum/TransactionErrorType'
@@ -17,7 +17,7 @@ import { TransactionResult } from '../model/TransactionResult'
 export class AccountResolver {
   @Query(() => Boolean)
   async isAccountExist(@Arg('data') userIdentifier: UserIdentifier): Promise<boolean> {
-    const accountKeyPair = await KeyPairCalculation(userIdentifier)
+    const accountKeyPair = await KeyPairCalculation(new KeyPairIdentifier(userIdentifier))
     const publicKey = accountKeyPair.getPublicKey()
     if (!publicKey) {
       throw new TransactionResult(
diff --git a/dlt-connector/src/interactions/keyPairCalculation/ForeignCommunityKeyPair.role.ts b/dlt-connector/src/interactions/keyPairCalculation/ForeignCommunityKeyPair.role.ts
index 68dd65a21..fb062b011 100644
--- a/dlt-connector/src/interactions/keyPairCalculation/ForeignCommunityKeyPair.role.ts
+++ b/dlt-connector/src/interactions/keyPairCalculation/ForeignCommunityKeyPair.role.ts
@@ -26,6 +26,6 @@ export class ForeignCommunityKeyPairRole extends AbstractRemoteKeyPairRole {
     if (!communityRoot) {
       throw new LogError('invalid confirmed transaction')
     }
-    return new KeyPairEd25519(communityRoot.getPubkey())
+    return new KeyPairEd25519(communityRoot.getPublicKey())
   }
 }
diff --git a/dlt-connector/src/interactions/keyPairCalculation/KeyPairCalculation.context.ts b/dlt-connector/src/interactions/keyPairCalculation/KeyPairCalculation.context.ts
index 3cb1f43cf..0f9137453 100644
--- a/dlt-connector/src/interactions/keyPairCalculation/KeyPairCalculation.context.ts
+++ b/dlt-connector/src/interactions/keyPairCalculation/KeyPairCalculation.context.ts
@@ -1,8 +1,9 @@
 import { KeyPairEd25519 } from 'gradido-blockchain-js'
 
-import { IdentifierSeed } from '@/graphql/input/IdentifierSeed'
+import { KeyPairIdentifier } from '@/data/KeyPairIdentifier'
 import { UserIdentifier } from '@/graphql/input/UserIdentifier'
 import { KeyPairCacheManager } from '@/manager/KeyPairCacheManager'
+import { LogError } from '@/server/LogError'
 
 import { AccountKeyPairRole } from './AccountKeyPair.role'
 import { ForeignCommunityKeyPairRole } from './ForeignCommunityKeyPair.role'
@@ -15,7 +16,7 @@ import { UserKeyPairRole } from './UserKeyPair.role'
  * @DCI-Context
  * Context for calculating key pair for signing transactions
  */
-export async function KeyPairCalculation(input: UserIdentifier | string): Promise<KeyPairEd25519> {
+export async function KeyPairCalculation(input: KeyPairIdentifier): Promise<KeyPairEd25519> {
   const cache = KeyPairCacheManager.getInstance()
 
   // Try cache lookup first
@@ -24,33 +25,49 @@ export async function KeyPairCalculation(input: UserIdentifier | string): Promis
     return keyPair
   }
 
-  const retrieveKeyPair = async (input: UserIdentifier | string): Promise<KeyPairEd25519> => {
-    if (input instanceof UserIdentifier && input.seed) {
-      return new LinkedTransactionKeyPairRole(input.seed.seed).generateKeyPair()
+  const retrieveKeyPair = async (input: KeyPairIdentifier): Promise<KeyPairEd25519> => {
+    if (input.isSeedKeyPair() && input.seed) {
+      return new LinkedTransactionKeyPairRole(input.seed).generateKeyPair()
+    }
+    if (!input.communityUuid) {
+      throw new LogError('missing community id')
     }
-
-    const communityUUID = input instanceof UserIdentifier ? input.communityUuid : input
-
     // If input does not belong to the home community, handle as remote key pair
-    if (cache.getHomeCommunityUUID() !== communityUUID) {
+    if (cache.getHomeCommunityUUID() !== input.communityUuid) {
       const role =
         input instanceof UserIdentifier
           ? new RemoteAccountKeyPairRole(input)
-          : new ForeignCommunityKeyPairRole(input)
+          : new ForeignCommunityKeyPairRole(input.communityUuid)
       return await role.retrieveKeyPair()
     }
 
-    let communityKeyPair = cache.findKeyPair(communityUUID)
+    let communityKeyPair = cache.findKeyPair(input)
     if (!communityKeyPair) {
       communityKeyPair = new HomeCommunityKeyPairRole().generateKeyPair()
-      cache.addKeyPair(communityUUID, communityKeyPair)
     }
-    if (input instanceof UserIdentifier) {
-      const userKeyPair = new UserKeyPairRole(input, communityKeyPair).generateKeyPair()
-      const accountNr = input.communityUser?.accountNr ?? 1
-      return new AccountKeyPairRole(accountNr, userKeyPair).generateKeyPair()
+    if (input.isCommunityKeyPair()) {
+      return communityKeyPair
     }
-    return communityKeyPair
+    const userKeyPairIdentifier = new KeyPairIdentifier()
+    userKeyPairIdentifier.communityUuid = input.communityUuid
+    userKeyPairIdentifier.userUuid = input.userUuid
+
+    let userKeyPair = cache.findKeyPair(userKeyPairIdentifier)
+    if (!userKeyPair && userKeyPairIdentifier.userUuid) {
+      userKeyPair = new UserKeyPairRole(
+        userKeyPairIdentifier.userUuid,
+        communityKeyPair,
+      ).generateKeyPair()
+    }
+    if (!userKeyPair) {
+      throw new LogError("couldn't generate user key pair")
+    }
+    if (input.isUserKeyPair()) {
+      return userKeyPair
+    }
+
+    const accountNr = input.accountNr ?? 1
+    return new AccountKeyPairRole(accountNr, userKeyPair).generateKeyPair()
   }
 
   keyPair = await retrieveKeyPair(input)
diff --git a/dlt-connector/src/interactions/keyPairCalculation/UserKeyPair.role.ts b/dlt-connector/src/interactions/keyPairCalculation/UserKeyPair.role.ts
index 6f433a7df..ca724fc99 100644
--- a/dlt-connector/src/interactions/keyPairCalculation/UserKeyPair.role.ts
+++ b/dlt-connector/src/interactions/keyPairCalculation/UserKeyPair.role.ts
@@ -1,24 +1,20 @@
 import { KeyPairEd25519 } from 'gradido-blockchain-js'
 
-import { UserIdentifier } from '@/graphql/input/UserIdentifier'
-import { LogError } from '@/server/LogError'
 import { hardenDerivationIndex } from '@/utils/derivationHelper'
 import { uuid4ToBuffer } from '@/utils/typeConverter'
 
 import { AbstractKeyPairRole } from './AbstractKeyPair.role'
 
 export class UserKeyPairRole extends AbstractKeyPairRole {
-  public constructor(private user: UserIdentifier, private communityKeys: KeyPairEd25519) {
+  public constructor(private userUuid: string, private communityKeys: KeyPairEd25519) {
     super()
   }
 
   public generateKeyPair(): KeyPairEd25519 {
     // example gradido id: 03857ac1-9cc2-483e-8a91-e5b10f5b8d16 =>
     // wholeHex: '03857ac19cc2483e8a91e5b10f5b8d16']
-    if (!this.user.communityUser) {
-      throw new LogError('missing community user')
-    }
-    const wholeHex = uuid4ToBuffer(this.user.communityUser.uuid)
+
+    const wholeHex = uuid4ToBuffer(this.userUuid)
     const parts = []
     for (let i = 0; i < 4; i++) {
       parts[i] = hardenDerivationIndex(wholeHex.subarray(i * 4, (i + 1) * 4).readUInt32BE())
diff --git a/dlt-connector/src/interactions/sendToIota/CommunityRootTransaction.role.ts b/dlt-connector/src/interactions/sendToIota/CommunityRootTransaction.role.ts
index 713a2b906..a1a7b237d 100644
--- a/dlt-connector/src/interactions/sendToIota/CommunityRootTransaction.role.ts
+++ b/dlt-connector/src/interactions/sendToIota/CommunityRootTransaction.role.ts
@@ -1,5 +1,6 @@
 import { GradidoTransactionBuilder } from 'gradido-blockchain-js'
 
+import { KeyPairIdentifier } from '@/data/KeyPairIdentifier'
 import { CommunityDraft } from '@/graphql/input/CommunityDraft'
 import { LogError } from '@/server/LogError'
 import {
@@ -27,7 +28,7 @@ export class CommunityRootTransactionRole extends AbstractTransactionRole {
 
   public async getGradidoTransactionBuilder(): Promise<GradidoTransactionBuilder> {
     const builder = new GradidoTransactionBuilder()
-    const communityKeyPair = await KeyPairCalculation(this.self.uuid)
+    const communityKeyPair = await KeyPairCalculation(new KeyPairIdentifier(this.self.uuid))
     const gmwKeyPair = communityKeyPair.deriveChild(
       hardenDerivationIndex(GMW_ACCOUNT_DERIVATION_INDEX),
     )
diff --git a/dlt-connector/src/interactions/sendToIota/CreationTransaction.role.ts b/dlt-connector/src/interactions/sendToIota/CreationTransaction.role.ts
index 2865193a9..e3fa9a838 100644
--- a/dlt-connector/src/interactions/sendToIota/CreationTransaction.role.ts
+++ b/dlt-connector/src/interactions/sendToIota/CreationTransaction.role.ts
@@ -1,8 +1,16 @@
-import { GradidoTransactionBuilder, TransferAmount } from 'gradido-blockchain-js'
+import {
+  AuthenticatedEncryption,
+  EncryptedMemo,
+  GradidoTransactionBuilder,
+  GradidoUnit,
+  TransferAmount,
+} from 'gradido-blockchain-js'
 
+import { KeyPairIdentifier } from '@/data/KeyPairIdentifier'
 import { TransactionErrorType } from '@/graphql/enum/TransactionErrorType'
 import { TransactionDraft } from '@/graphql/input/TransactionDraft'
 import { TransactionError } from '@/graphql/model/TransactionError'
+import { KeyPairCacheManager } from '@/manager/KeyPairCacheManager'
 
 import { KeyPairCalculation } from '../keyPairCalculation/KeyPairCalculation.context'
 
@@ -40,15 +48,25 @@ export class CreationTransactionRole extends AbstractTransactionRole {
     if (!this.self.amount) {
       throw new TransactionError(TransactionErrorType.MISSING_PARAMETER, 'creation: amount missing')
     }
+    if (!this.self.memo) {
+      throw new TransactionError(TransactionErrorType.MISSING_PARAMETER, 'creation: memo missing')
+    }
+
     const builder = new GradidoTransactionBuilder()
-    const recipientKeyPair = await KeyPairCalculation(this.self.user)
-    const signerKeyPair = await KeyPairCalculation(this.self.linkedUser)
+    const recipientKeyPair = await KeyPairCalculation(new KeyPairIdentifier(this.self.user))
+    const signerKeyPair = await KeyPairCalculation(new KeyPairIdentifier(this.self.linkedUser))
+    const homeCommunityKeyPair = await KeyPairCalculation(
+      new KeyPairIdentifier(KeyPairCacheManager.getInstance().getHomeCommunityUUID()),
+    )
 
     builder
       .setCreatedAt(new Date(this.self.createdAt))
-      .setMemo('dummy memo for creation')
+      .addMemo(new EncryptedMemo(this.self.memo, new AuthenticatedEncryption(homeCommunityKeyPair)))
       .setTransactionCreation(
-        new TransferAmount(recipientKeyPair.getPublicKey(), this.self.amount.toString()),
+        new TransferAmount(
+          recipientKeyPair.getPublicKey(),
+          GradidoUnit.fromString(this.self.amount),
+        ),
         new Date(this.self.targetDate),
       )
       .sign(signerKeyPair)
diff --git a/dlt-connector/src/interactions/sendToIota/DeferredTransferTransaction.role.ts b/dlt-connector/src/interactions/sendToIota/DeferredTransferTransaction.role.ts
index 511efa869..19b4dc649 100644
--- a/dlt-connector/src/interactions/sendToIota/DeferredTransferTransaction.role.ts
+++ b/dlt-connector/src/interactions/sendToIota/DeferredTransferTransaction.role.ts
@@ -1,5 +1,13 @@
-import { GradidoTransactionBuilder, GradidoTransfer, TransferAmount } from 'gradido-blockchain-js'
+import {
+  AuthenticatedEncryption,
+  EncryptedMemo,
+  GradidoTransactionBuilder,
+  GradidoTransfer,
+  GradidoUnit,
+  TransferAmount,
+} from 'gradido-blockchain-js'
 
+import { KeyPairIdentifier } from '@/data/KeyPairIdentifier'
 import { TransactionErrorType } from '@/graphql/enum/TransactionErrorType'
 import { TransactionDraft } from '@/graphql/input/TransactionDraft'
 import { TransactionError } from '@/graphql/model/TransactionError'
@@ -37,27 +45,42 @@ export class DeferredTransferTransactionRole extends AbstractTransactionRole {
         'deferred transfer: amount missing',
       )
     }
-    if (!this.self.timeoutDate) {
+    if (!this.self.memo) {
       throw new TransactionError(
         TransactionErrorType.MISSING_PARAMETER,
-        'deferred transfer: timeout date missing',
+        'deferred transfer: memo missing',
+      )
+    }
+    if (!this.self.timeoutDuration) {
+      throw new TransactionError(
+        TransactionErrorType.MISSING_PARAMETER,
+        'deferred transfer: timeout duration missing',
       )
     }
     const builder = new GradidoTransactionBuilder()
-    const senderKeyPair = await KeyPairCalculation(this.self.user)
-    const recipientKeyPair = await KeyPairCalculation(this.self.linkedUser)
+    const senderKeyPair = await KeyPairCalculation(new KeyPairIdentifier(this.self.user))
+    const recipientKeyPair = await KeyPairCalculation(new KeyPairIdentifier(this.self.linkedUser))
 
     builder
       .setCreatedAt(new Date(this.self.createdAt))
-      .setMemo('dummy memo for transfer')
+      .addMemo(
+        new EncryptedMemo(
+          this.self.memo,
+          new AuthenticatedEncryption(senderKeyPair),
+          new AuthenticatedEncryption(recipientKeyPair),
+        ),
+      )
       .setDeferredTransfer(
         new GradidoTransfer(
-          new TransferAmount(senderKeyPair.getPublicKey(), this.self.amount.toString()),
+          new TransferAmount(
+            senderKeyPair.getPublicKey(),
+            GradidoUnit.fromString(this.self.amount),
+          ),
           recipientKeyPair.getPublicKey(),
         ),
-        new Date(this.self.timeoutDate),
+        this.self.timeoutDuration,
       )
-    builder.sign(senderKeyPair)
+      .sign(senderKeyPair)
     return builder
   }
 }
diff --git a/dlt-connector/src/interactions/sendToIota/RedeemDeferredTransferTransaction.role.ts b/dlt-connector/src/interactions/sendToIota/RedeemDeferredTransferTransaction.role.ts
new file mode 100644
index 000000000..eb858c322
--- /dev/null
+++ b/dlt-connector/src/interactions/sendToIota/RedeemDeferredTransferTransaction.role.ts
@@ -0,0 +1,103 @@
+import {
+  GradidoTransactionBuilder,
+  GradidoTransfer,
+  GradidoUnit,
+  TransferAmount,
+} from 'gradido-blockchain-js'
+
+import { getTransactionsForAccount } from '@/client/GradidoNode'
+import { KeyPairIdentifier } from '@/data/KeyPairIdentifier'
+import { TransactionErrorType } from '@/graphql/enum/TransactionErrorType'
+import { TransactionDraft } from '@/graphql/input/TransactionDraft'
+import { UserIdentifier } from '@/graphql/input/UserIdentifier'
+import { TransactionError } from '@/graphql/model/TransactionError'
+import { communityUuidToTopic, uuid4ToHash } from '@/utils/typeConverter'
+
+import { KeyPairCalculation } from '../keyPairCalculation/KeyPairCalculation.context'
+
+import { AbstractTransactionRole } from './AbstractTransaction.role'
+
+export class RedeemDeferredTransferTransactionRole extends AbstractTransactionRole {
+  private linkedUser: UserIdentifier
+  constructor(protected self: TransactionDraft) {
+    super()
+    if (!this.self.linkedUser) {
+      throw new TransactionError(
+        TransactionErrorType.MISSING_PARAMETER,
+        'transfer: linked user missing',
+      )
+    }
+    this.linkedUser = this.self.linkedUser
+  }
+
+  getSenderCommunityUuid(): string {
+    return this.self.user.communityUuid
+  }
+
+  getRecipientCommunityUuid(): string {
+    return this.linkedUser.communityUuid
+  }
+
+  public async getGradidoTransactionBuilder(): Promise<GradidoTransactionBuilder> {
+    if (!this.self.amount) {
+      throw new TransactionError(
+        TransactionErrorType.MISSING_PARAMETER,
+        'redeem deferred transfer: amount missing',
+      )
+    }
+    const builder = new GradidoTransactionBuilder()
+    const senderKeyPair = await KeyPairCalculation(new KeyPairIdentifier(this.self.user))
+    const senderPublicKey = senderKeyPair.getPublicKey()
+    if (!senderPublicKey) {
+      throw new TransactionError(
+        TransactionErrorType.INVALID_PARAMETER,
+        "redeem deferred transfer: couldn't calculate sender public key",
+      )
+    }
+    // load deferred transfer transaction from gradido node
+    const transactions = await getTransactionsForAccount(
+      senderPublicKey,
+      communityUuidToTopic(this.getSenderCommunityUuid()),
+    )
+    if (!transactions || transactions.length !== 1) {
+      throw new TransactionError(
+        TransactionErrorType.NOT_FOUND,
+        "redeem deferred transfer: couldn't find deferred transfer on Gradido Node",
+      )
+    }
+    const deferredTransfer = transactions[0]
+    const deferredTransferBody = deferredTransfer.getGradidoTransaction()?.getTransactionBody()
+    if (!deferredTransferBody) {
+      throw new TransactionError(
+        TransactionErrorType.NOT_FOUND,
+        "redeem deferred transfer: couldn't deserialize deferred transfer from Gradido Node",
+      )
+    }
+    const recipientKeyPair = await KeyPairCalculation(new KeyPairIdentifier(this.linkedUser))
+
+    // TODO: fix getMemos in gradido-blockchain-js to return correct data
+    builder
+      .setCreatedAt(new Date(this.self.createdAt))
+      .addMemo(deferredTransferBody.getMemos()[0])
+      .setRedeemDeferredTransfer(
+        deferredTransfer.getId(),
+        new GradidoTransfer(
+          new TransferAmount(
+            senderKeyPair.getPublicKey(),
+            GradidoUnit.fromString(this.self.amount),
+          ),
+          recipientKeyPair.getPublicKey(),
+        ),
+      )
+    const senderCommunity = this.self.user.communityUuid
+    const recipientCommunity = this.linkedUser.communityUuid
+    if (senderCommunity !== recipientCommunity) {
+      // we have a cross group transaction
+      builder
+        .setSenderCommunity(uuid4ToHash(senderCommunity).convertToHex())
+        .setRecipientCommunity(uuid4ToHash(recipientCommunity).convertToHex())
+    }
+    builder.sign(senderKeyPair)
+    return builder
+  }
+}
diff --git a/dlt-connector/src/interactions/sendToIota/RegisterAddressTransaction.role.ts b/dlt-connector/src/interactions/sendToIota/RegisterAddressTransaction.role.ts
index f8c82586d..70d612e08 100644
--- a/dlt-connector/src/interactions/sendToIota/RegisterAddressTransaction.role.ts
+++ b/dlt-connector/src/interactions/sendToIota/RegisterAddressTransaction.role.ts
@@ -1,6 +1,7 @@
 /* eslint-disable camelcase */
 import { GradidoTransactionBuilder } from 'gradido-blockchain-js'
 
+import { KeyPairIdentifier } from '@/data/KeyPairIdentifier'
 import { TransactionErrorType } from '@/graphql/enum/TransactionErrorType'
 import { TransactionDraft } from '@/graphql/input/TransactionDraft'
 import { TransactionError } from '@/graphql/model/TransactionError'
@@ -40,17 +41,25 @@ export class RegisterAddressTransactionRole extends AbstractTransactionRole {
     }
 
     const builder = new GradidoTransactionBuilder()
-    const communityKeyPair = await KeyPairCalculation(this.self.user.communityUuid)
-    const accountKeyPair = await KeyPairCalculation(this.self.user)
+    const communityKeyPair = await KeyPairCalculation(
+      new KeyPairIdentifier(this.self.user.communityUuid),
+    )
+    const keyPairIdentifer = new KeyPairIdentifier(this.self.user)
+    const accountKeyPair = await KeyPairCalculation(keyPairIdentifer)
+    // unsetting accountNr change identifier from account key pair to user key pair
+    keyPairIdentifer.accountNr = undefined
+    const userKeyPair = await KeyPairCalculation(keyPairIdentifer)
     builder
       .setCreatedAt(new Date(this.self.createdAt))
       .setRegisterAddress(
-        accountKeyPair.getPublicKey(),
+        userKeyPair.getPublicKey(),
         accountTypeToAddressType(this.self.accountType),
         uuid4ToHash(this.self.user.communityUser.uuid),
+        accountKeyPair.getPublicKey(),
       )
       .sign(communityKeyPair)
       .sign(accountKeyPair)
+      .sign(userKeyPair)
     return builder
   }
 }
diff --git a/dlt-connector/src/interactions/sendToIota/SendToIota.context.ts b/dlt-connector/src/interactions/sendToIota/SendToIota.context.ts
index be02eef55..2607f6c8f 100644
--- a/dlt-connector/src/interactions/sendToIota/SendToIota.context.ts
+++ b/dlt-connector/src/interactions/sendToIota/SendToIota.context.ts
@@ -17,12 +17,13 @@ import { TransactionRecipe } from '@/graphql/model/TransactionRecipe'
 import { TransactionResult } from '@/graphql/model/TransactionResult'
 import { logger } from '@/logging/logger'
 import { LogError } from '@/server/LogError'
-import { uuid4ToHash } from '@/utils/typeConverter'
+import { communityUuidToTopic } from '@/utils/typeConverter'
 
 import { AbstractTransactionRole } from './AbstractTransaction.role'
 import { CommunityRootTransactionRole } from './CommunityRootTransaction.role'
 import { CreationTransactionRole } from './CreationTransaction.role'
 import { DeferredTransferTransactionRole } from './DeferredTransferTransaction.role'
+import { RedeemDeferredTransferTransactionRole } from './RedeemDeferredTransferTransaction.role'
 import { RegisterAddressTransactionRole } from './RegisterAddressTransaction.role'
 import { TransferTransactionRole } from './TransferTransaction.role'
 
@@ -87,6 +88,9 @@ export async function SendToIotaContext(
       case InputTransactionType.GRADIDO_DEFERRED_TRANSFER:
         role = new DeferredTransferTransactionRole(input)
         break
+      case InputTransactionType.GRADIDO_REDEEM_DEFERRED_TRANSFER:
+        role = new RedeemDeferredTransferTransactionRole(input)
+        break
       default:
         throw new TransactionError(
           TransactionErrorType.NOT_IMPLEMENTED_YET,
@@ -104,22 +108,19 @@ export async function SendToIotaContext(
     validate(outboundTransaction)
     const outboundIotaMessageId = await sendViaIota(
       outboundTransaction,
-      uuid4ToHash(role.getSenderCommunityUuid()).convertToHex(),
+      communityUuidToTopic(role.getSenderCommunityUuid()),
     )
     builder.setParentMessageId(outboundIotaMessageId)
     const inboundTransaction = builder.buildInbound()
     validate(inboundTransaction)
-    await sendViaIota(
-      inboundTransaction,
-      uuid4ToHash(role.getRecipientCommunityUuid()).convertToHex(),
-    )
+    await sendViaIota(inboundTransaction, communityUuidToTopic(role.getRecipientCommunityUuid()))
     return new TransactionResult(new TransactionRecipe(outboundTransaction, outboundIotaMessageId))
   } else {
     const transaction = builder.build()
     validate(transaction)
     const iotaMessageId = await sendViaIota(
       transaction,
-      uuid4ToHash(role.getSenderCommunityUuid()).convertToHex(),
+      communityUuidToTopic(role.getSenderCommunityUuid()),
     )
     return new TransactionResult(new TransactionRecipe(transaction, iotaMessageId))
   }
diff --git a/dlt-connector/src/interactions/sendToIota/TransferTransaction.role.ts b/dlt-connector/src/interactions/sendToIota/TransferTransaction.role.ts
index 7a4cd7bb0..dd730f590 100644
--- a/dlt-connector/src/interactions/sendToIota/TransferTransaction.role.ts
+++ b/dlt-connector/src/interactions/sendToIota/TransferTransaction.role.ts
@@ -1,5 +1,12 @@
-import { GradidoTransactionBuilder, TransferAmount } from 'gradido-blockchain-js'
+import {
+  AuthenticatedEncryption,
+  EncryptedMemo,
+  GradidoTransactionBuilder,
+  GradidoUnit,
+  TransferAmount,
+} from 'gradido-blockchain-js'
 
+import { KeyPairIdentifier } from '@/data/KeyPairIdentifier'
 import { TransactionErrorType } from '@/graphql/enum/TransactionErrorType'
 import { TransactionDraft } from '@/graphql/input/TransactionDraft'
 import { UserIdentifier } from '@/graphql/input/UserIdentifier'
@@ -35,14 +42,27 @@ export class TransferTransactionRole extends AbstractTransactionRole {
     if (!this.self.amount) {
       throw new TransactionError(TransactionErrorType.MISSING_PARAMETER, 'transfer: amount missing')
     }
+    if (!this.self.memo) {
+      throw new TransactionError(
+        TransactionErrorType.MISSING_PARAMETER,
+        'deferred transfer: memo missing',
+      )
+    }
     const builder = new GradidoTransactionBuilder()
-    const senderKeyPair = await KeyPairCalculation(this.self.user)
-    const recipientKeyPair = await KeyPairCalculation(this.linkedUser)
+    const senderKeyPair = await KeyPairCalculation(new KeyPairIdentifier(this.self.user))
+    const recipientKeyPair = await KeyPairCalculation(new KeyPairIdentifier(this.linkedUser))
+
     builder
       .setCreatedAt(new Date(this.self.createdAt))
-      .setMemo('dummy memo for transfer')
+      .addMemo(
+        new EncryptedMemo(
+          this.self.memo,
+          new AuthenticatedEncryption(senderKeyPair),
+          new AuthenticatedEncryption(recipientKeyPair),
+        ),
+      )
       .setTransactionTransfer(
-        new TransferAmount(senderKeyPair.getPublicKey(), this.self.amount.toString()),
+        new TransferAmount(senderKeyPair.getPublicKey(), GradidoUnit.fromString(this.self.amount)),
         recipientKeyPair.getPublicKey(),
       )
     const senderCommunity = this.self.user.communityUuid
diff --git a/dlt-connector/src/manager/KeyPairCacheManager.ts b/dlt-connector/src/manager/KeyPairCacheManager.ts
index f492d127b..c3613f91d 100644
--- a/dlt-connector/src/manager/KeyPairCacheManager.ts
+++ b/dlt-connector/src/manager/KeyPairCacheManager.ts
@@ -1,8 +1,7 @@
 import { KeyPairEd25519 } from 'gradido-blockchain-js'
 
-import { UserIdentifier } from '@/graphql/input/UserIdentifier'
+import { KeyPairIdentifier } from '@/data/KeyPairIdentifier'
 import { logger } from '@/logging/logger'
-import { LogError } from '@/server/LogError'
 
 // Source: https://refactoring.guru/design-patterns/singleton/typescript/example
 // and ../federation/client/FederationClientFactory.ts
@@ -45,30 +44,19 @@ export class KeyPairCacheManager {
     return this.homeCommunityUUID
   }
 
-  public findKeyPair(input: UserIdentifier | string): KeyPairEd25519 | undefined {
-    return this.cache.get(this.getKey(input))
+  public findKeyPair(input: KeyPairIdentifier): KeyPairEd25519 | undefined {
+    return this.cache.get(input.getKey())
   }
 
-  public addKeyPair(input: UserIdentifier | string, keyPair: KeyPairEd25519): void {
-    const key = this.getKey(input)
+  public addKeyPair(input: KeyPairIdentifier, keyPair: KeyPairEd25519): void {
+    const key = input.getKey()
     if (this.cache.has(key)) {
-      logger.warn('key already exist, cannot add', key)
+      logger.warn('key already exist, cannot add', {
+        key,
+        publicKey: keyPair.getPublicKey()?.convertToHex(),
+      })
       return
     }
     this.cache.set(key, keyPair)
   }
-
-  protected getKey(input: UserIdentifier | string): string {
-    if (input instanceof UserIdentifier) {
-      if (input.communityUser) {
-        return input.communityUser.uuid
-      } else if (input.seed) {
-        return input.seed.seed
-      }
-      throw new LogError('unhandled branch')
-    } else if (typeof input === 'string') {
-      return input
-    }
-    throw new LogError('unhandled input type')
-  }
 }
diff --git a/dlt-connector/src/utils/typeConverter.ts b/dlt-connector/src/utils/typeConverter.ts
index 198c15042..219b95376 100644
--- a/dlt-connector/src/utils/typeConverter.ts
+++ b/dlt-connector/src/utils/typeConverter.ts
@@ -32,6 +32,14 @@ export const uuid4ToMemoryBlock = (uuid: string): MemoryBlock => {
   return MemoryBlock.fromHex(uuid.replace(/-/g, ''))
 }
 
+export const uuid4sToMemoryBlock = (uuid: string[]): MemoryBlock => {
+  let resultHexString = ''
+  for (let i = 0; i < uuid.length; i++) {
+    resultHexString += uuid[i].replace(/-/g, '')
+  }
+  return MemoryBlock.fromHex(resultHexString)
+}
+
 export const uuid4ToHash = (communityUUID: string): MemoryBlock => {
   return uuid4ToMemoryBlock(communityUUID).calculateHash()
 }
@@ -40,6 +48,10 @@ export const base64ToBuffer = (base64: string): Buffer => {
   return Buffer.from(base64, 'base64')
 }
 
+export const communityUuidToTopic = (communityUUID: string): string => {
+  return uuid4ToHash(communityUUID).convertToHex()
+}
+
 export function getEnumValue<T extends Record<string, unknown>>(
   enumType: T,
   value: number | string,
diff --git a/dlt-connector/yarn.lock b/dlt-connector/yarn.lock
index c4f244816..71cde5091 100644
--- a/dlt-connector/yarn.lock
+++ b/dlt-connector/yarn.lock
@@ -3277,9 +3277,9 @@ graceful-fs@^4.1.6, graceful-fs@^4.2.0, graceful-fs@^4.2.4, graceful-fs@^4.2.9:
   resolved "https://registry.yarnpkg.com/graceful-fs/-/graceful-fs-4.2.11.tgz#4183e4e8bf08bb6e05bbb2f7d2e0c8f712ca40e3"
   integrity sha512-RbJ5/jmFcNNCcDV5o9eTnBLJ/HszWV0P73bc+Ff4nS/rJj+YaS6IGyiOL0VoBYX+l1Wrl3k63h/KrH+nhJ0XvQ==
 
-"gradido-blockchain-js@git+https://github.com/gradido/gradido-blockchain-js#master":
+"gradido-blockchain-js@git+https://github.com/gradido/gradido-blockchain-js#1c75576":
   version "0.0.1"
-  resolved "git+https://github.com/gradido/gradido-blockchain-js#5e7bc50af82d30ef0fdbe48414b1f916c592b6f4"
+  resolved "git+https://github.com/gradido/gradido-blockchain-js#1c755763b7f3f71c2ee9f396da5e9512fa666ee4"
   dependencies:
     bindings "^1.5.0"
     nan "^2.20.0"