Abstract: Computer-based systems and methods for facilitating private currency. Merchants who desire to use private currency participate in a merchant network wherein network members agree to accept private currency. Consumers are provided with a consumer account that may include both a private currency account and a commodities account. Consumers are provided with the ability to pre-set options allowing them to automatically refill a private currency account or commodities account while continuing to use goods and/or services purchased using currency or units stored in the consumer account.