diff --git a/lib/wallet/records.js b/lib/wallet/records.js
index a5d8d0836..a36f39d0e 100644
--- a/lib/wallet/records.js
+++ b/lib/wallet/records.js
@@ -217,16 +217,20 @@ class TXRecord extends bio.Struct {
   /**
    * Create tx record.
    * @constructor
-   * @param {TX} tx
-   * @param {BlockMeta?} block
+   * @param {Number} mtime
+   * @param {TX} [tx]
+   * @param {BlockMeta} [block]
    */
 
-  constructor(tx, block) {
+  constructor(mtime, tx, block) {
     super();
 
+    if (mtime == null)
+      mtime = util.now();
+
     this.tx = null;
     this.hash = null;
-    this.mtime = util.now();
+    this.mtime = mtime;
     this.height = -1;
     this.block = null;
     this.index = -1;
@@ -240,7 +244,7 @@ class TXRecord extends bio.Struct {
    * Inject properties from tx and block.
    * @private
    * @param {TX} tx
-   * @param {Block?} block
+   * @param {Block} [block]
    * @returns {TXRecord}
    */
 
@@ -256,13 +260,14 @@ class TXRecord extends bio.Struct {
 
   /**
    * Instantiate tx record from tx and block.
-   * @param {TX} tx
-   * @param {Block?} block
+   * @param {TX} [tx]
+   * @param {Block} [block]
+   * @param {Number} [mtime]
    * @returns {TXRecord}
    */
 
-  static fromTX(tx, block) {
-    return new this().fromTX(tx, block);
+  static fromTX(tx, block, mtime) {
+    return new this(mtime).fromTX(tx, block);
   }
 
   /**
diff --git a/lib/wallet/txdb.js b/lib/wallet/txdb.js
index a1e53ab4f..f92ef8103 100644
--- a/lib/wallet/txdb.js
+++ b/lib/wallet/txdb.js
@@ -46,6 +46,7 @@ class TXDB {
     this.wdb = wdb;
     this.db = wdb.db;
     this.logger = wdb.logger;
+    this.nowFn = wdb.options.nowFn || util.now;
 
     this.wid = wid || 0;
     this.bucket = null;
@@ -809,7 +810,8 @@ class TXDB {
       return this.confirm(existing, block);
     }
 
-    const wtx = TXRecord.fromTX(tx, block);
+    const now = this.nowFn();
+    const wtx = TXRecord.fromTX(tx, block, now);
 
     if (!block) {
       // Potentially remove double-spenders.
@@ -3252,7 +3254,7 @@ class TXDB {
   async zap(acct, age) {
     assert((age >>> 0) === age);
 
-    const now = util.now();
+    const now = this.nowFn();
 
     const txs = await this.getRange(acct, {
       start: 0,
diff --git a/lib/wallet/walletdb.js b/lib/wallet/walletdb.js
index 790087b41..0bafc9db9 100644
--- a/lib/wallet/walletdb.js
+++ b/lib/wallet/walletdb.js
@@ -29,6 +29,7 @@ const WalletMigrator = require('./migrations');
 const layout = layouts.wdb;
 const tlayout = layouts.txdb;
 const {states} = require('../covenants/namestate');
+const util = require('../utils/util');
 
 const {
   ChainState,
@@ -2582,6 +2583,8 @@ class WalletOptions {
     this.migrateNoRescan = false;
     this.preloadAll = false;
 
+    this.nowFn = util.now;
+
     if (options)
       this.fromOptions(options);
   }
@@ -2678,6 +2681,11 @@ class WalletOptions {
       this.preloadAll = options.preloadAll;
     }
 
+    if (options.timeFn != null) {
+      assert(typeof options.timeFn === 'function');
+      this.nowFn = options.timeFn;
+    }
+
     return this;
   }
 
diff --git a/test/wallet-records-test.js b/test/wallet-records-test.js
index 2d59c9ff9..744282551 100644
--- a/test/wallet-records-test.js
+++ b/test/wallet-records-test.js
@@ -56,15 +56,18 @@ function getRandomTXRecordData(genTX = false, genBlock = false) {
   if (genTX)
     tx = getRandomTX();
 
+  const mtime = random.randomInt();
+
   const data = {
     height: block ? block.height : -1,
     time: block ? block.time : 0,
     block: block ? block.hash : null,
     tx: tx,
-    hash: tx ? tx.hash() : null
+    hash: tx ? tx.hash() : null,
+    mtime: mtime
   };
 
-  return {data, tx, block};
+  return {data, tx, block, mtime};
 }
 
 /*
@@ -114,6 +117,7 @@ function compareTXRecord(actual, expected) {
 
   assert(typeof actual.mtime === 'number');
   assert(actual.mtime > 0);
+  assert.strictEqual(actual.mtime, expected.mtime);
   assert.strictEqual(actual.index, -1);
 }
 
@@ -267,16 +271,28 @@ describe('Wallet Records', function() {
       });
     });
 
+    it('should initialize w/ time', () => {
+      const {mtime} = getRandomTXRecordData(false, false, true);
+      const wtx = new TXRecord(mtime);
+
+      compareTXRecord(wtx, {
+        index: -1,
+        mtime: mtime,
+        ...emptyTX,
+        ...emptyBlock
+      });
+    });
+
     it('should initialize w/ tx', () => {
-      const {data, tx} = getRandomTXRecordData(true);
-      const wtx = new TXRecord(tx);
+      const {data, tx, mtime} = getRandomTXRecordData(true);
+      const wtx = new TXRecord(mtime, tx);
 
       compareTXRecord(wtx, data);
     });
 
     it('should initialize w/ tx and block', () => {
-      const {data, block, tx} = getRandomTXRecordData(true, true);
-      const wtx = new TXRecord(tx, block);
+      const {data, block, tx, mtime} = getRandomTXRecordData(true, true);
+      const wtx = new TXRecord(mtime, tx, block);
 
       compareTXRecord(wtx, data);
     });
@@ -294,9 +310,9 @@ describe('Wallet Records', function() {
     });
 
     it('should encode/decode w/ tx', () => {
-      const {data, tx} = getRandomTXRecordData(true);
+      const {data, tx, mtime} = getRandomTXRecordData(true);
 
-      const wtx = new TXRecord(tx);
+      const wtx = new TXRecord(mtime, tx);
       const encoded = wtx.encode();
       const decoded = TXRecord.decode(encoded);
 
@@ -305,9 +321,9 @@ describe('Wallet Records', function() {
     });
 
     it('should encode/decode w/ tx and block', () => {
-      const {data, tx, block} = getRandomTXRecordData(true, true);
+      const {data, tx, block, mtime} = getRandomTXRecordData(true, true);
 
-      const wtx = new TXRecord(tx, block);
+      const wtx = new TXRecord(mtime, tx, block);
       const encoded = wtx.encode();
       const decoded = TXRecord.decode(encoded);
 
@@ -316,20 +332,20 @@ describe('Wallet Records', function() {
     });
 
     it('should initialize from TX', () => {
-      const {data, tx} = getRandomTXRecordData(true);
-      const wtx = TXRecord.fromTX(tx);
+      const {data, tx, mtime} = getRandomTXRecordData(true);
+      const wtx = TXRecord.fromTX(tx, null, mtime);
       compareTXRecord(wtx, data);
     });
 
     it('should initialize from TX and Block', () => {
-      const {data, tx, block} = getRandomTXRecordData(true, true);
-      const wtx = TXRecord.fromTX(tx, block);
+      const {data, tx, block, mtime} = getRandomTXRecordData(true, true);
+      const wtx = TXRecord.fromTX(tx, block, mtime);
       compareTXRecord(wtx, data);
     });
 
     it('should set and unset block', () => {
-      const {data, tx, block} = getRandomTXRecordData(true, true);
-      const wtx = TXRecord.fromTX(tx);
+      const {data, tx, block, mtime} = getRandomTXRecordData(true, true);
+      const wtx = TXRecord.fromTX(tx, null, mtime);
 
       assert.strictEqual(wtx.getBlock(), null);
       assert.strictEqual(wtx.getDepth(random.randomInt()), 0);
diff --git a/test/wallet-test.js b/test/wallet-test.js
index b7b267c1e..868b7644b 100644
--- a/test/wallet-test.js
+++ b/test/wallet-test.js
@@ -1998,7 +1998,7 @@ describe('Wallet', function() {
   });
 
   it('should throw error with missing outputs', async () => {
-    const wallet = new Wallet({});
+    const wallet = new Wallet({ options: {} });
 
     let err = null;
 
@@ -2012,6 +2012,17 @@ describe('Wallet', function() {
     assert.equal(err.message, 'At least one output is required.');
   });
 
+  it('should pass nowFn to the txdb', async () => {
+    const nowFn = () => 1;
+    const wallet = new Wallet({
+      options: {
+        nowFn
+      }
+    });
+
+    assert.strictEqual(wallet.txdb.nowFn(), nowFn());
+  });
+
   it('should cleanup', async () => {
     network.coinbaseMaturity = 2;
     await wdb.close();