Methods and systems are disclosed of executing a financial transaction that enable enhanced usage monitoring. Funds are received from a buyer for purchase of a single-load stored-value instrument. The single-load stored-value instrument is associated with a predefined value amount. Buyer identification information that identifies the buyer is received. The buyer identification information is stored in association with the stored-value instrument. The stored-value instrument is validated for use in making purchase by drawing from value associated with the stored-value instrument.