1. A method comprising: a computer presenting a graphical user interface (GUI) on a display, said graphical user interface showing a quantity of non-negotiable credits earned through previous interactions with an entity, the graphical user interface comprising a conversion option to convert at least a subset of the shown non-negotiable credits into entity independent funds in accordance with a conversion ratio, wherein the entity independent funds are accepted by a commerce partner as at least partial payment for goods or services provided by the commerce partner, wherein the commerce partner is not said entity, wherein in absence of converting the non-negotiable credits into entity independent funds the commerce partner does not accept the non-negotiable credits as payment for goods or services provided by the commerce partner; the computer receiving a selection of the conversion option; and responsive to the received selection being processed, the computer presenting within the graphical user interface a quantity of available entity independent funds for use as payment for the goods or services provided by the commerce partner, said quantity of available entity independent funds resulting from converting the subset of non-negotiable credits into the quantity of available entity independent funds in accordance with the conversion ratio.