Abstract: The system may be configured to perform operations including determining a point conversion rate between a first merchant point value associated with a first merchant point and a second merchant point value associated with a second merchant point; receiving a request from a consumer to sell an exchanged point amount comprising a first merchant point amount; receiving a first payment from the first merchant for the first merchant point amount; retrieving the first merchant point amount from a consumer profile; transmitting the first merchant point amount to the first merchant; calculating a second merchant point amount equal to the first merchant point amount, based the first conversion rate; transmitting a second payment to the second merchant to purchase the second merchant point amount from the second merchant; receiving the second merchant point amount from the second merchant; and transmitting the second merchant point amount to the consumer profile.