Systems and methods are provided for use in providing users with options at points of interaction. One example method includes posting a record for an installment option to an immutable data structure, where the record includes a total amount, payment terms associated with multiple installments, a first hashed value associated with a first party, and an identifier of the first party. The method also includes receiving a request related to the record, where the request includes a secret and a second hashed value, and validating the request based on the secret and the first hashed value included in the immutable data structure. The method then includes, based on validation of the request, coordinating a fund transfer consistent with the request and updating the record included in the immutable data structure to include the second hashed value in association with the identifier of the first party.