A system for permitting a participant to transact a purchase using awarded points with a vendor system which transacts purchases in currency. A loyalty program awards points to the participant. The awarded points are maintained in a point account for the participant. An application programming interface (API) interfaces with the vendor system. A program account for use in currency transactions provides the basis for the purchase with the vendor system. A graphical user interface (GUI) provides an interface between the participant and the API and for communicating with the loyalty program.