Abstract: Systems, apparatuses, methods, and computer program products are disclosed for credit extension integration with a digital payment network. An example method includes receiving, by communications hardware and via a digital payment network (DPN), a digital extension request comprising a primary DPN user identifier of a primary user and at least one secondary DPN user identifier of at least one secondary user. The example method also includes generating, by a contract management engine, a digital contract based on the digital extension request. The example method also includes determining, by the contract management engine, that criteria associated with the digital contract is satisfied. The example method also includes facilitating, by payment transfer circuitry and in response to determining that the criteria is satisfied, a digital payment between the primary user and the at least one secondary user over the DPN.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for providing overdraft protection during transitions between payment accounts. An example method includes identifying a set of historical transactions associated with a legacy payment account of a user and deriving a set of recurring autopayment events from the set of historical transactions. The example method further includes executing a proactive protection protocol.