Abstract: In a preferred embodiment of the invention, transaction systems create instruments and transaction products using a transaction product computer. The transaction product computer accepts transaction product input as a means to customize a transaction product that can be offered to end users. The platform has a product engine that accepts parameters and builds an application programming interface transaction product that enables user devices to manage and configure aspects of the transaction product and value unit transactions at the product level and on a per-transaction basis.

Abstract: A preferred embodiment of the invention allows the designation, configuration and rearrangement of multiple value unit wallets that allow an end user to designate which types of value units in conjunction with an algorithmic sequence to create a transaction product account may be implemented on a per-transaction basis such that a utilization product determines how a transaction may be processed on a transaction-by-transaction basis. The utilization product may be controllable via an application programming interface to select alternate sequences whereby prioritization of different types of value units may be designated on a transaction-by-transaction basis.

Abstract: A preferred embodiment of the invention allows the designation and manipulation of multiple value unit wallets that allow an end user to designate which types of value units in a transaction product account may be implemented on a per-transaction basis such that a person may perform a transaction in one value unit and settle it using another. The creation of the transaction product specifically may decrease the fees associated with value unit exchange. In addition, the value unit conversion and utilization product is contemplated to have multiple interfaces where a person may select alternate sequences of value unit withdrawal such that an end user may prioritize the different types of value units that are withdrawn from an account during a transaction.