Abstract: A system for converting physical coins into digital currency at a point of sale during a cash transaction at a retailer and related methods. A mobile app residing on a customer's mobile device communicates with a control module to manage the customer's account and obtain an identifier associated with the customer's account. During a cash transaction where physical change is due, the mobile device transmits the identifier to the point of sale. The point of sale transmits the identifier and the amount of change due to the control module. The control module confirms the identity of the customer using the identifier and directs a financial institution to move the amount of change due from the retailer's bank account to one or more designated bank accounts, one of which may be the customer's bank account.