Authentication for an access-controlled resource

A method of authentication for an access-controlled resource, comprising:

• obtaining information indicating one or more exchanges, of a plurality of exchanges, of a first account associated with a first user that are to be resolved using a peer-to-peer transfer from a second account associated with a second user;
• transmitting a message that identifies a link associated with a resource, the message designated for a user device associated with the second user;
• receiving, from a requesting user device, a request to access the resource;
• determining an authentication of the requesting user device to access the resource;
• providing, based on the authentication, the resource associated with the link for the requesting user device, the resource indicating information relating to the one or more exchanges;
• receiving, from the requesting user device and via the resource, an indication to perform the peer-to-peer transfer from the second account to the first account;
• and
• causing, based on the indication, the peer-to-peer transfer from the second account to the first account.

A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:

• one or more instructions that, when executed by one or more processors of a device, cause the device to:
• obtain information indicating one or more conditions used to identify exchanges of a first account associated with a first user that are to be resolved using a peer-to-peer transfer from a second account associated with a second user;
• scan a plurality of exchanges associated with the first account to identify one or more exchanges that satisfy the one or more conditions;
• and
• cause, based on identification of the one or more exchanges, the peer-to-peer transfer from the second account to the first account, an amount of the peer-to-peer transfer corresponding to an aggregate value of the one or more exchanges.