Abstract: A consumer mobile software application is designed to entice new or infrequent visitors to visit a merchant. The application may permit the consumer to register and receive reward offers from the merchant, typically only when the consumer is at the merchant's place of business. The application may store each of the merchants added to the consumer's account and track the available rewards. The application may also store anywhere dollars, which may be usable across any of the participating merchants. The anywhere dollars may be converted into a crypto currency whose value may fluctuate based on the value of such currency. The merchants accepting such currency when redeemed by the consumer may opt to auto exchange the crypto currency to dollars on their account or may choose to retain the crypto currency itself.