I have three suggestions for how to improve the Atlas program:

1. Set up an automatic transfer system? That way, if someone accrues credits they would like to transfer, we can set it up to do so automatically once we hit 1,000,000 credits (think of it as similar to a bank's auto-pay system).

2. A system where, if someone needs extra credits, they can automatically request them to be deducted (with those who opt-in) from someone like myself with unused / extra credits.

3. Email notifications of when we have accrued 1,000,000 credits (my apologies if this is already a feature).

I say this because I don't use my credits, so I don't want them to go to waste. It would be much more efficient if someone who needed them could access them any time (assuming I already gave permission for that (opted-in)).