Non-negotiable credits can be identified that are from a game associated with an entity with which previous interactions have occurred. The previous interactions can earn the non-negotiable credits. A quantity of the non-negotiable credits can be converted to a quantity of negotiable funds. The converting can be performed by a different legal entity than the entity. Access to the quantity of negotiable funds can be permitted for purchases with at least one vender that does not honor the non-negotiable credits. The identifying, the converting, and the permitting can be performed by computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device.