Apparatuses, methods and systems for a multi-level in-game currency platform

A dynamic conversion rate determining apparatus, comprising:

• a memory;
• a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to:
• receive a request to calculate a dynamic conversion rate between a payment currency type and a requested virtual currency type for a user;
• retrieve a base conversion rate between the payment currency type and the requested virtual currency type;
• determine a user characteristic indicative of the user's progress through a game that affects the base conversion rate;
• calculate a game progression adjustment to the base conversion rate due to the determined user characteristic;
• calculate the dynamic conversion rate by adjusting the base conversion rate with the game progression adjustment;
• and
• return the calculated dynamic conversion rate.

A processor-readable physical medium storing processor-issuable-and-generated instructions to:

• receive a request to calculate a dynamic conversion rate between a payment currency type and a requested virtual currency type for a user;
• retrieve a base conversion rate between the payment currency type and the requested virtual currency type;
• determine a user characteristic indicative of the user's progress through a game that affects the base conversion rate;
• calculate a game progression adjustment to the base conversion rate due to the determined user characteristic;
• calculate the dynamic conversion rate by adjusting the base conversion rate with the game progression adjustment;
• and
• return the calculated dynamic conversion rate.