SenXaliss is a digital payments application that allows customers to prepay goods and services of participating merchants at a discount and to have a monthly consumer line of credit from merchants on this basis. Participating merchants can use outstanding consumer credits for inter-enterprises purchases and consumer lines of credit are transferable within the ecosystem. SenXaliss operates on behalf of participating merchants through a network of distributors that prepay, resell, and accommodate reimbursements of digital prepaid goods and services for fees. By prepaying goods and services, consumers and merchants allow SenXaliss to pool part of merchant liquidity to be invested for the benefit of the merchants and the ecosystem under their control, and to cover potentially bad consumer credits.