1. A method for transferring value from a first value provider to a second value provider using a mobile device, the method comprising: receiving a request initiated by a value owner using a mobile device to transfer a stored value from the first value provider to the second value provider in a converted form, wherein the first value provider is an entity, wherein the value owner is a customer of the first value provider, and wherein the first value provider stores value in an account on behalf of the value owner; in response to receiving the request initiated by the mobile device, an exchange provider receiving the value from the first value provider, wherein: the exchange provider is different from the first value provider and different from the second value provider; and the exchange provider includes a processor configured to convert the value into the converted form; in response to receiving the value, the exchange provider determining an exchange rate for the value with the processor of the exchange provider; the exchange provider converting the received value with the processor to the converted form in accordance with the determined exchange rate; and the exchange provider transmitting the converted value from the exchange provider to the second value provider.