An apparatus including an in-network transfer processor configured to receive a transfer request, a sender token, and a receiver token, to identify an institution associated with a sender based on the sender token, and to identify an institution associated with a receiver based on the receiver token. The in-network transfer processor is configured to facilitate an internal transfer to the sender when the sender and the receiver are the same user and to facilitate an internal transfer to the receiver when the sender and the receiver are different users. The in-network transfer processor is configured to facilitate a transfer to the receiver using service network resources when the membership for the institution associated with the receiver indicates an in-network institution and to facilitate a transfer to the institution associated with the receiver using secondary network resources when the membership for the institution associated with the receiver indicates an out-of-network institution.