A conversion of a quantity of non-negotiable credits to a quantity of negotiable funds can be initiated for a storefront purchase. The non-negotiable credits can be earned from previous interactions with an entity. The converting can be performed by a different legal entity than the entity. The storefront purchase can be completed, during which at least a portion of the non-negotiable credits are expended. The vender providing a good or service for the storefront purchase may not directly honor the non-negotiable credits in absence of the converting. Responsive to the conversion and the completing of the storefront purchase, the good or service can be provided to a purchaser and the quantity of negotiable funds for the storefront purchase can be provided to the vender.