Custom currencies & redemption

Custom currencies come from money-for-laravel. Declare them in money’s config:

// config/money.php — inside 'currencies'
'custom' => [
    'PTS' => ['exponent' => 0, 'name' => 'Loyalty points', 'symbol' => 'pts'],
],

Or register them in code, in your provider’s boot():

use RoundlyConsulting\Money\Currency;
use RoundlyConsulting\Money\Facades\Currencies;

// In your AppServiceProvider::boot()
Currencies::register(Currency::custom('PTS', 0, 'Loyalty points'));

Credits resolves credits.currencies lazily, on first use, so a registration in a provider that boots after credits’ is accepted. Then map a bucket to the code and use it:

// config/credits.php
'currencies' => ['points' => 'PTS'],

// anywhere
$points = Credits::for($user)->bucket('points');
$points->addMoney(Money::ofMinor(1250, 'PTS'), 'order reward');

$points->money()->minor(); // "1250"
$points->format();         // "1250" — PTS has exponent 0

Precision limit

The ledger column is a signed 64-bit integer, so a denominated bucket holds at most 9223372036854775807 minor units. That is irrelevant for fiat and points, but an 18-decimal currency such as ETH tops out at about 9.22 units — denominate large crypto balances in a coarser custom unit (a lower exponent). An amount beyond the range throws money’s AmountOverflow and writes nothing.

Recipe: redeem points for money

Credits does not convert between buckets, but money’s exchange layer makes a fixed redemption rate a two-liner — here 100 points = 1 EUR:

use RoundlyConsulting\Money\Exchange\Converter;
use RoundlyConsulting\Money\Exchange\Providers\ArrayExchangeRateProvider;

$redemption = new Converter(new ArrayExchangeRateProvider(['PTS/EUR' => '0.01'], pivot: null));

$eur = $redemption->convert(Credits::for($user)->bucket('points')->money(), 'EUR', rounding: \RoundingMode::TowardsZero);
// 1250 PTS -> Money EUR 12.50

To move the value, debit one bucket and credit the other inside one transaction — each write still passes through the overdraft guard:

use Illuminate\Support\Facades\DB;

DB::transaction(function () use ($user, $redemption): void {
    $points = Credits::for($user)->bucket('points');
    $balance = $points->money();
    $eur = $redemption->convert($balance, 'EUR', rounding: \RoundingMode::TowardsZero);

    $points->deductMoney($balance, 'redeemed for store credit');
    Credits::for($user)->bucket('store_credit')->addMoney($eur, 'redeemed from points');
});

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