Abstract: Embodiments of the invention are directed to a system, method, or computer program product for manipulating and distributing electronic resources. The system accepts a request from a user for a transfer of an electronic resource to a second user and in response, generates a transfer vehicle containing details of the transfer. The transfer of electronic resources is directed and completed through the transmission of the generated transfer vehicle to a device associated with the second user. As only the transfer vehicle is transmitted without the need for additional personal identifying information, a transfer of electronic resources may be completed securely and relatively anonymously in a time frame comparable to that of an exchange of a traditionally used physical resource.