Non-negotiable credits earned from previous interactions with an entity can be identified. A quantity of the non-negotiable credits can be converted to a quantity of negotiable funds. The converting can be performed by a different legal entity than the entity. Access to the quantity of negotiable funds can be permitted. The quantity of negotiable funds are able to be applied to one or more purchases with at least one vender that does not accept the non-negotiable credits in absence of the converting. The identifying of non-negotiable credits, the converting, and the permitting of access to the negotiable funds can be performed by computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device.