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.

Abstract: Embodiments of the invention provide for systems, computer program products, and methods for a financial wellness application that provides an overview of the financial well-being of users. The financial wellness of the users may be determined by identifying personal characteristics of the users regarding background information about the users and the users' households. Based on a user's personal characteristics, financial wellness questions are determined from a plurality of financial wellness questions to present to the user for which the user provides financial wellness input. The financial wellness input is transformed into a financial situation assessment, day-to-day management assessment, and preparation for the future assessment, which are transformed into an overall wellness score. Moreover, the financial wellness input may also be compared against financial wellness thresholds.