1. A method comprising: identifying non-negotiable credits earned from previous interactions with an entity; converting a quantity of the non-negotiable credits to a quantity of negotiable funds, wherein the converting is performed by a different legal entity than the entity; and permitting access to the quantity of negotiable funds, wherein 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, wherein the identifying of non-negotiable credits is performed by computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, wherein the converting is performed by computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, wherein the permitting of access to the quantity of negotiable funds is performed by computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device.