Abstract: A prepaid bonus system comprising the steps of determining a discount rate, depositing money into a mobile secure wallet, the system transferring money into a retailer account, the retailer receiving funds from the user, the prepaid account growing by the amount of the discount rate, the prepaid account balance showing on an account odometer and the consumer spending the prepaid balance on purchasing from the retailer. The prepaid bonus system wherein the prepaid balance is provided to the consumer as a QR code for the retailer to scan at purchase. The prepaid bonus system wherein the consumer may transfer the prepaid balance to another user. The prepaid bonus system further comprising the step of the consumer communicating with a financial tutor.