Methods and systems for conducting transactions

A non-transitory, computer-readable medium storing program code executable by a computer to:

• receive a funds transfer request, the funds transfer request specifying a source account associated with a first unit of value, a transaction amount, and a destination account associated with second unit of value, wherein the second unit of value is different than the first unit of value;
• and
• respond to the funds transfer request by:
• automatically determining an exchange rate between the first and second units of value, wherein at least one of the first or second units of value is not a governmental currency,
• automatically initiating a debit request to debit the transaction amount from the source account,
• automatically initiating a credit request to credit the transaction amount to the destination account.

A system, comprising:

• a communication port to receive a funds transfer request, the funds transfer request specifying a source account associated with a first unit of value, a transaction amount, and a destination account associated with second unit of value, wherein the second unit of value is different than the first unit of value;
• and
• a universal rewards platform to respond to the funds transfer request by:
• automatically determining an exchange rate between the first and second units of value, wherein at least one of the first or second units of value is not a governmental currency, and
• automatically initiating a debit request to debit the transaction amount from the source account,
• automatically initiating a credit request to credit the transaction amount to the destination account.