While label merchant stored value account peer linking and funding system

A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

• receiving, through a network from a first user device, a request made in a user interface of the first user device to create a first white label stored value account corresponding to a first merchant;
• creating the first white label stored value account corresponding to the first user device and storing the first white label stored valued account in a database configured to store associations between a plurality of different merchants and respective groups of white label merchant stored value accounts, wherein the creating the first white label stored value account includes associating a first user identifier with the first white label stored value account and associating the first user identifier with the first merchant in the database;
• identifying a first peer user to a first user of the first user device based on a user input of the first user to the user interface and received through the network;
• requesting, through the network, an authorization from the first peer user to link the first peer user to the first white label stored value account;
• in response to receiving the authorization from the first peer user:
• linking a second user identifier corresponding to the first peer user with the first white label stored value account, and
• funding the first white label stored value account using a second account associated with the first peer user;
• and
• monitoring funding activity associated with the first peer user and the first white label stored value account.

A method, comprising:

• receiving, through a network by a service provider computer system, from a user device of a first user, a request, generated via a user interface of the user device, to create a first white label stored value account corresponding to a first merchant;
• creating, by the service provider computer system, the first white label stored value account corresponding to the first user and storing the first white label stored value account in a database configured to store associations between a plurality of different merchants and respective groups of white label merchant stored value accounts, wherein the creating the first white label stored value account includes associating a first user identifier with the first white label stored value account and associating the first user identifier with the first merchant in the database;
• identifying, by the service provider computer system, a first peer user corresponding to the first user based on a user input of the first user to the user interface and received through the network;
• requesting, by the service provider computer system, through the network, an authorization from the first peer user to link the first peer user to the first white label stored value account;
• in response to receiving the authorization from the first peer user:
• linking, by the service provider computer system, a second user identifier corresponding to the first peer user with the first white label stored value account, and
• funding, by the service provider computer system, the first white label stored value account using a second account associated with the first peer user;
• and
• monitoring funding activity associated with the first peer user and the first white label stored value account.