Red Dog Networks builds the eCurrenC product that is a Multi-Tender Payment Network. It’s a subscriber-based service designed for creating, tracking, distributing, managing, reporting on, redeeming, settling, archiving, disbursing, and accounting of electronic currencies. The eCurrenC Platform is an electronic system from end to end, using no paper. This platform enables Consumers to save or accumulate points, incentives, or vouchers online and automatically redeem those as currency in participating brick-and-mortar stores, for goods and services. Consumers simply present an identifier such as a NFC or HCE token, phone number, or a loyalty card at the Point of Sale. This platform provides companies (e.g., banks, airlines, retailers, manufacturers, etc) the ability to create digital currencies (e.g., points, vouchers, coupons, and rebates) and distribute them anywhere. Companies can also develop consumer facing applications (e.g., Mobile apps, mobile wallets, beacons, email, video ad insertion, loyalty programs, social networking advertisements, and gaming software) to allow consumers to save, manage, and redeem all of these forms of tender types online and offline at any participating retailer.