It would be very useful if XenForo would have a Wallet for members. Members would be able to fund their XenForo Wallet with through their PayPal account or credit card. The balance in their XenForo Wallet could then be used to buy purchasable items, transfer amounts to other members or buy an account upgrade for other members. The admin should be able to set purchasable items. For example: - use feature X for Y amount. - post content in node X for Y amount. - download/access content in node X for Y amount. - display custom field X for Y time for Z amount. An important benefit of having this in the core is that addon developers can expand this in a lot of ways. It would give the XenForo addon ecosystem an important boost. As it's a financial feature that needs to be trusted and expanded by addon developers it's best to have this functionality in the core. This function would make XenForo more profitable for webmasters as it would open a wide array of monetizing avenues. Please note that I am not proposing a conventional credits system to reward users, but a financial wallet instead.