diff --git a/interface/resources/qml/hifi/commerce/wallet/WalletHome.qml b/interface/resources/qml/hifi/commerce/wallet/WalletHome.qml
index e761f3e510..b2b6f7b8fe 100644
--- a/interface/resources/qml/hifi/commerce/wallet/WalletHome.qml
+++ b/interface/resources/qml/hifi/commerce/wallet/WalletHome.qml
@@ -382,8 +382,8 @@ Item {
                         height: visible ? parent.height : 0;
 
                         AnonymousProRegular {
-                            id: dateText;
-                            text: model.created_at ? getFormattedDate(model.created_at * 1000) : "";
+                            id: hfcText;
+                            text: model.hfc_text;
                             // Style
                             size: 18;
                             anchors.left: parent.left;
@@ -391,23 +391,24 @@ Item {
                             anchors.topMargin: 15;
                             width: 118;
                             height: paintedHeight;
-                            color: hifi.colors.blueAccent;
                             wrapMode: Text.WordWrap;
+                            font.bold: true;
                             // Alignment
                             horizontalAlignment: Text.AlignRight;
                         }
 
                         AnonymousProRegular {
                             id: transactionText;
-                            text: model.text ? (model.status === "invalidated" ? ("INVALIDATED: " + model.text) : model.text) : "";
+                            text: model.transaction_text ? (model.status === "invalidated" ? ("INVALIDATED: " + model.transaction_text) : model.transaction_text) : "";
                             size: 18;
                             anchors.top: parent.top;
                             anchors.topMargin: 15;
-                            anchors.left: dateText.right;
+                            anchors.left: hfcText.right;
                             anchors.leftMargin: 20;
                             anchors.right: parent.right;
                             height: paintedHeight;
                             color: model.status === "invalidated" ? hifi.colors.redAccent : hifi.colors.baseGrayHighlight;
+                            linkColor: hifi.colors.blueAccent;
                             wrapMode: Text.WordWrap;
                             font.strikeout: model.status === "invalidated";
 
diff --git a/interface/src/commerce/Ledger.cpp b/interface/src/commerce/Ledger.cpp
index 269e8b5e06..ba27b397f8 100644
--- a/interface/src/commerce/Ledger.cpp
+++ b/interface/src/commerce/Ledger.cpp
@@ -118,30 +118,60 @@ void Ledger::inventory(const QStringList& keys) {
     keysQuery("inventory", "inventorySuccess", "inventoryFailure");
 }
 
-QString amountString(const QString& label, const QString&color, const QJsonValue& moneyValue, const QJsonValue& certsValue, const QJsonValue& usernameValue) {
-    int money = moneyValue.toInt();
-    int certs = certsValue.toInt();
-    if (money <= 0 && certs <= 0) {
-        return QString();
+QString hfcString(const QJsonValue& sentValue, const QJsonValue& receivedValue) {
+    int sent = sentValue.toInt();
+    int received = receivedValue.toInt();
+    if (sent <= 0 && received <= 0) {
+        return QString("-");
     }
-    QString result(QString("<font color='#%1'> %2").arg(color, label));
-    if (money > 0) {
-        result += QString(" %1 HFC").arg(money);
-    }
-    if (certs > 0) {
-        if (money > 0) {
-            result += QString(",");
+    QString result;
+    if (sent > 0) {
+        result += QString("<font color='#B70A37'>-%1 HFC</font>").arg(sent);
+        if (received > 0) {
+            result += QString("<br>");
         }
-        result += QString((certs == 1) ? " %1 certificate" : " %1 certificates").arg(certs);
     }
-    result += QString("</font>");
+    if (received > 0) {
+        result += QString("<font color='#3AA38F'>%1 HFC</font>").arg(received);
+    }
+    return result;
+}
+static const QString USER_PAGE_BASE_URL = NetworkingConstants::METAVERSE_SERVER_URL().toString() + "/users/";
+QString userLink(const QString& username) {
+    if (username.isEmpty()) {
+        return QString("someone");
+    }
+    return QString("<a href=\"%1%2\">%2</a>").arg(USER_PAGE_BASE_URL, username);
+}
 
-    // the only time we put the username in is when the money value is > 0
-    // and the certificate value == 0, as we only want this for hfc transfers
-    // Also - we don't bother if the username is 'highfidelity' or 'marketplace'
-    if (money > 0 && certs == 0) {
-        result += QString(" %1 %2").arg(label == "sent" ? "to" : "from", usernameValue.toString());
+QString transactionString(const QJsonObject& valueObject) {
+    int sentCerts = valueObject["sent_certs"].toInt();
+    int receivedCerts = valueObject["received_certs"].toInt();
+    int sent = valueObject["sent_money"].toInt();
+    int received = valueObject["received_money"].toInt();
+    int dateInteger = valueObject["created_at"].toInt();
+    QString message = valueObject["message"].toString();
+    QDateTime createdAt(QDateTime::fromSecsSinceEpoch(dateInteger, Qt::UTC));
+    QString result;
+
+    if (sentCerts <= 0 && receivedCerts <= 0) {
+        // this is an hfc transfer.
+        if (sent > 0) {
+            QString recipient = userLink(valueObject["recipient_name"].toString());
+            result += QString("Money sent to %1").arg(recipient);
+        } else {
+            QString sender = userLink(valueObject["sender_name"].toString());
+            result += QString("Money from %1").arg(sender);
+        }
+        if (!message.isEmpty()) {
+            result += QString("<br>with memo: <i>\"%1\"</i>").arg(message);
+        }
+    } else {
+        result += valueObject["message"].toString();
     }
+    // no matter what we append a smaller date to the bottom of this...
+
+    result += QString("<br><font size='-2' color='#1080B8'>%1").arg(createdAt.toLocalTime().toString());
     return result;
 }
 
@@ -165,16 +195,13 @@ void Ledger::historySuccess(QNetworkReply& reply) {
 
     // TODO: do this with 0 copies if possible
     for (auto it = historyArray.begin(); it != historyArray.end(); it++) {
+        // We have 2 text fields to synthesize, the one on the left is a listing
+        // of the HFC in/out of your wallet.  The one on the right contains an explaination
+        // of the transaction.  That could be just the memo (if it is a regular purchase), or
+        // more text (plus the optional memo) if an hfc transfer
         auto valueObject = (*it).toObject();
-        QString sent = amountString("sent", "EA4C5F", valueObject["sent_money"], valueObject["sent_certs"], valueObject["recipient_name"]);
-        QString received = amountString("received", "1FC6A6", valueObject["received_money"], valueObject["received_certs"], valueObject["sender_name"]);
-
-        // turns out on my machine, toLocalTime convert to some weird timezone, yet the
-        // systemTimeZone is correct.  To avoid a strange bug with other's systems too, lets
-        // be explicit
-        QDateTime createdAt = QDateTime::fromSecsSinceEpoch(valueObject["created_at"].toInt(), Qt::UTC);
-        QDateTime localCreatedAt = createdAt.toTimeZone(QTimeZone::systemTimeZone());
-        valueObject["text"] = QString("%1%2%3").arg(valueObject["message"].toString(), sent, received);
+        valueObject["hfc_text"] = hfcString(valueObject["sent_money"], valueObject["received_money"]);
+        valueObject["transaction_text"] = transactionString(valueObject);
         newHistoryArray.push_back(valueObject);
     }
     // now copy the rest of the json -- this is inefficient