This is how we know it will work:
Pay it forward - you have coffee at your regular shop. You'd like to buy a coffee for someone in need. Whip out your Centive Wallet, select, the merchant and pay it forward using XTVs. The merchant can later decide to offer that free cup of coffee to someone in need.
Tip - you had an amazing dining experience at a local restaurant, and wanted to tip the waitress. You tell her personally you want to tip her. She whips out her wallet app with QR code, you scan it and tip her in XTVs.
Donate - you browse the Centive marketplace app, and found a charity you'd like to contribute to. You instantly donate XTVs directly to them.