In one embodiment, an account is established for in-game credits provided by an entity to one or more users. The entity owns or controls a computer game. One or more users play the computer game to earn at least a portion of the in-game credits. Game play occurrences are detected that earn a quantity of in-game credits, which are added to an account maintained by the entity. A quantity of the in-game credits are subtracted from the account, as a result of a conversion operation. The conversion operation converts the in-game credits to a quantity of negotiable or entity independent funds in accordance with agreement terms established between a commerce partner and the entity. The commerce partner is compensated for granting the negotiable or entity independent funds for the in-game credits.