Abstract: Aspects of the disclosure relate to value exchange and recommendation. A computing platform may send a selection request to a computing device for selecting one or more options for a payment transaction. The one or more options may include a value contribution in exchange for credit. The computing platform may receive, by a user of the computing device, a selection of the value contribution option. The computing platform may initiate performance of the value contribution. The computing platform may receive a notification indicating completion of the value contribution. The computing platform may identify a monetary value of the value contribution. The computing platform may cause a monetary payment to be issued to an account associated with the user of the computing device based on the identified monetary value. The computing platform may generate and send one or more recommendations associated with the payment transaction.