Abstract: A technique for managing credit for subscribers of mobile communications services involves using a mobile credit intermediary to manage the credit in a way that makes the credit more fungible than traditional prepaid mobile subscription plans. In an embodiment, the mobile credit intermediary maintains a credit pool that reflects pooled credit of a group of multiple different mobile subscribers and then incrementally purchases, using the credit pool, prepaid mobile minutes in quantities that reflect anticipated consumption of mobile communications services by the group. The incremental purchases are made in increments that are smaller than the balance of the credit pool such that credit remains in individual credit accounts of the mobile subscribers. The credit that remains in the individual credit accounts can be used as a currency for other transactions, for example, for the purchase of goods and services from entities other than the mobile network operator.