Abstract: Systems and methods for an intermediary to manage a point exchange across a plurality of different reward programs and across a plurality of users (e.g., disparate retailers as well as disparate consumers) are disclosed. One method receives a plurality of first reward program points from an entity; each point having a monetary value for the date it was issued. A total monetary value of the plurality of first reward program points is determined. The total monetary value is exchanged into an equivalent value of an intermediary currency. The entity requests one or more second reward program points. A current value of each second reward program point is obtained and the equivalent value in the intermediary currency is determined. An amount of intermediary currency is exchanged for the one or more second reward program points. The one or more second reward program points are provided to the entity.