Abstract: A transaction instrument comprising a metal-filled biodegradable polymer. The biodegradable polymer is a plant-based polymer, a protein-based polymer, or a combination thereof. The metal of the blended composite of metal and biodegradable polymer is a heavy-gravity compound. The transaction instrument is biodegradable in whole or in part. A method(s) for making a transaction instrument comprising a blended composite of metal and a biodegradable polymer is also provided.

Abstract: Systems and techniques for dynamic micropayment fee selector are described herein. A transaction stream may be obtained from an electronic transaction processing service. A transaction velocity of a set of transactions that correspond to a user account of the electronic transaction processing service included in the transaction stream may be calculated for a first period of time. A fee tier data structure may be generated based on the transaction velocity. A fee tier of the fee tier data structure may be applied to the user account. An indication of the applied fee tier and an electronic representation of the fee tier data structure may be transmitted to a device associated with the user account.