Disclosed herein are certain embodiments of systems and methods for standardizing a plurality of digital wallet credits, into one digital wallet system. Expenditures of merchant issued credit stored in digital wallets are supported by tokenization of assets. Assets are encoded and represented by currencies tracked on public ledgers. Data is mined from the public ledger, decoded, and presented to users with a unified interface which allows users to view balances at any time of all digital wallets in their possession.