I like the idea of Valve physical card. But I don't know what will it take to manifest this card in real world and how many times people actually going to use it. But it definitely is a nice flex to have.

Also if it ever gets implemented then keeping this exclusive to US would be annoying for the rest of the world.

引用自 GridNom XP：

I like the idea of Valve physical card. But I don't know what will it take to manifest this card in real world and how many times people actually going to use it. But it definitely is a nice flex to have.

Also if it ever gets implemented then keeping this exclusive to US would be annoying for the rest of the world.

yeah i think it would be really nice and i think a slow rollout in other places like the EU could be doable especially in small countries like the netherlands belgium and luxemburg would be a good start after the US.
edit:
it could in the backend just have its own account and all the money can go to and from a wallet if there is either an outlet or input for the money to interact with.

引用自 Brold：

Allow funds to be transferred from one wallet to another, with permission granted through verification such as phone, email, or a wallet-specific password.

That's totally not going to happen and would open a door to abuses the size of the Argonath

引用自 Brold：

Allow funds to be transferred from one wallet to another, with permission granted through verification such as phone, email, or a wallet-specific password.

Money laundering, scammers tricking a user to authorise transfers to their own accounts like they normally do

引用自 Brold：

Step 2: Support for Other Marketplaces

Steam wallet funds are worth $0.00
Steam is not a bank, financial business. Wallet funds are store credit nothing else

引用自 Brold：

2.1 Steam Wallet funds could be used on other platforms, with a small transaction fee. This fee could be paid by the user or the platform, depending on what is legally and logistically easier for Valve. The fee could be similar to what PayPal charges, or slightly more or less.

See point above

引用自 Brold：

2.15 (Optional) This step is not strictly necessary, but it could help Valve gain legitimacy as a universal payment processor and make customers happy. If a developer enables it, Valve could offer a "Valve Alliance" option: buy a game on one store and activate it on others. This would ensure access even if a platform shuts down or if users prefer a different launcher. Cross-platform achievements could be shared if technically feasible.

Developers can already enable a multiple platform purchase for a product if they wish. Doesn't need Steam to do anything. For example

https://fictionhorizon.com/30-best-cross-platform-games-you-can-play/

引用自 Brold：

Step 3: Withdrawals and Physical Cards

Steam is NOT a bank or financial business. It doesn't have the legal rights to do this. Not that it matters as wallet funds are store credit and the max you'd be able to withdraw is $0.00

Not to mention this would open platform up for money laundering by buying/selling and trading valuable skins

引用自 Supafly：

引用自 Brold：

Allow funds to be transferred from one wallet to another, with permission granted through verification such as phone, email, or a wallet-specific password.

Money laundering, scammers tricking a user to authorise transfers to their own accounts like they normally do

引用自 Brold：

Step 2: Support for Other Marketplaces

Steam wallet funds are worth $0.00
Steam is not a bank, financial business. Wallet funds are store credit nothing else

引用自 Brold：

2.1 Steam Wallet funds could be used on other platforms, with a small transaction fee. This fee could be paid by the user or the platform, depending on what is legally and logistically easier for Valve. The fee could be similar to what PayPal charges, or slightly more or less.

See point above

引用自 Brold：

2.15 (Optional) This step is not strictly necessary, but it could help Valve gain legitimacy as a universal payment processor and make customers happy. If a developer enables it, Valve could offer a "Valve Alliance" option: buy a game on one store and activate it on others. This would ensure access even if a platform shuts down or if users prefer a different launcher. Cross-platform achievements could be shared if technically feasible.

Developers can already enable a multiple platform purchase for a product if they wish. Doesn't need Steam to do anything. For example

https://fictionhorizon.com/30-best-cross-platform-games-you-can-play/

引用自 Brold：

Step 3: Withdrawals and Physical Cards

Steam is NOT a bank or financial business. It doesn't have the legal rights to do this. Not that it matters as wallet funds are store credit and the max you'd be able to withdraw is $0.00

Not to mention this would open platform up for money laundering by buying/selling and trading valuable skins

You're absolutely right, Steam Wallet today is store credit, not real currency, and Valve isn’t a financial institution. That’s why this post is framed as a “road to Valve Pay,” not a claim that they’re already equipped to do all this.

The idea is to explore whether Valve could become a payment processor over time, starting with small steps like optional peer-to-peer transfers or merchant integration. Other tech companies have made similar transitions, Valve could too, if they saw value in it and built the right legal and compliance infrastructure.

引用自 Tito Shivan：

引用自 Brold：

Allow funds to be transferred from one wallet to another, with permission granted through verification such as phone, email, or a wallet-specific password.

That's totally not going to happen and would open a door to abuses the size of the Argonath

i see what you mean but it's not more prone than other payment processors already have. atleast from what i see if you see. i could be missing something but its not like you adressed a specific reason why its worse for them.

Just to clarify what I meant: the idea is to gradually evolve Steam’s current infrastructure into something that could support payment processing. if Valve ever chose to go that route. It could start by allowing store credit (Steam Wallet funds) to be exchanged between users within the same region. From there, similar stores could be given the option to accept Steam Wallet payments for a small fee.

Eventually, Valve could offer an API so external stores could build their own integrations. Once that system is stable, they could introduce optional withdrawals-starting with verified users in select regions, and expanding over time. Later steps might include broader peer-to-peer transfers and eventually exploring the possibility of a physical Valve Pay card.

If something like this were to become a reality, it would be its own entity, separate from Valve/Steam. And then it wouldn't necessarily replace or evolve the current Wallet but be another PayPal.

Im pretty sure Valve wants no parts of the regulations and oversight required to engage in banking activities.

Thats what youre talking about here, even in this initial phase, banking.

引用自 rawWwRrr：

If something like this were to become a reality, it would be its own entity, separate from Valve/Steam. And then it wouldn't necessarily replace or evolve the current Wallet but be another PayPal.

fair and was mostly a suggestion just hope they make a sort of payment system if its run in a similar manner it would be all that would be wanted.

引用自 Brold：

Due to recent events, this idea has gained traction again

Like all of the similar suggestions, it will not change the current situation and is months late in regard to the event.

Switching wallet fund account to account & withdraw would also make the phishing & hijacking problem significantly worse.

引用自 Brold：

Disclaimer: I asked AI to clean up my grammar and spelling since I suck at that. Specifically Copilot. Sorry for any weird hiccups—I asked it to phrase things with minimal changes to my original wording.

I know it started as a meme for a while, but I think there's real potential here and a relatively easy way to test the waters. Due to recent events, this idea has gained traction again, but I’ve been hoping for something like this even before any controversies. Valve is one of the best companies I know when it comes to customer service, both for consumers and creators.

I have the sinking feeling that AI did more than clean up the grammar here.
I also suspect you did not do any actual research into the problem or the environment in which then problem occurs.

引用自 Brold：

Plan for Implementation

Step 1: Add Features to the Steam Wallet The foundation is already in place with the Steam Wallet. The next step would be to extend its functionality slightly.

Allow funds to be transferred from one wallet to another, with permission granted through verification such as phone, email, or a wallet-specific password.

Enable multiple wallets per Steam account. For example, a personal wallet and a professional one. This would help developers avoid accidentally using company funds for personal purchases.

Bonus idea: Add multi-account wallets for companies or families. This could work like a shared game fund for households or a shared company wallet for development teams.

Yeah No, No and No.
Everything here would basically create massive security problems.
Also this would techically cause Valve to be considered as a money wiring provider..
That's a whole lot of legal loopholes to get through.

引用自 Brold：

Step 2: Support for Other Marketplaces

2.1 Steam Wallet funds could be used on other platforms, with a small transaction fee. This fee could be paid by the user or the platform, depending on what is legally and logistically easier for Valve. The fee could be similar to what PayPal charges, or slightly more or less.

2.15 (Optional) This step is not strictly necessary, but it could help Valve gain legitimacy as a universal payment processor and make customers happy. If a developer enables it, Valve could offer a "Valve Alliance" option: buy a game on one store and activate it on others. This would ensure access even if a platform shuts down or if users prefer a different launcher. Cross-platform achievements could be shared if technically feasible.

2.2 Once 2.1 is established, Valve could offer API access for a fee, allowing websites—even outside gaming—to accept Steam Wallet payments. All you would need is a Steam account, an API key, and backend integration linked to a wallet.

Yeah NO...Believe it or not Platforms are very reluctant to accept transfers of store credit and it would basicallt not do Valve any favours since that'd be money leaving their systems.

IT's not worth it to Valve compared to the current model.

引用自 Brold：

Step 3: Withdrawals and Physical Cards

3.1 While Steam already allows withdrawals for developers and sellers, this should be extended to regular users. Start with a mandatory waiting period to ensure stability and prevent bugs from causing major issues.

3.2 Introduce Valve Pay physical cards. These could be bundled with physical purchases like Steam Decks as a trial run, and later sold on demand. Gift cards could be upgraded with a magnetic strip or chip, allowing them to be linked to a wallet. Users could unlink and relink cards as needed. If no wallet is linked, the card would simply show "insufficient funds" when used. If a deposit is made but no Steam account is linked, it would act like a charged gift card.

Hi, Copilot here—just wanted to give a quick rundown of what I helped with:

I cleaned up spelling and grammar to make everything smooth and readable.

I tweaked phrasing here and there to improve clarity while keeping your original tone intact.

I added formatting like headings and spacing to make the post easier to follow.

Kept your original structure and voice—just helped it shine a little brighter

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Yeah that would officially make Valve a bank. which again comes with a whole ♥♥♥♥♥♥♥ of legal and operational issues that makes literally no sense for VAlve. The amound of investment would not be worth it.

And yes Valve allows developers to withdraw in a sense but Developers aren't using Steam Wallet. Valve is not storing money. They are collecting and passing money on to the developers.

M8. Little advice research the problem before trying to come up with solutions.

引用自 Start_Running：

引用自 Brold：

Disclaimer: I asked AI to clean up my grammar and spelling since I suck at that. Specifically Copilot. Sorry for any weird hiccups—I asked it to phrase things with minimal changes to my original wording.

I know it started as a meme for a while, but I think there's real potential here and a relatively easy way to test the waters. Due to recent events, this idea has gained traction again, but I’ve been hoping for something like this even before any controversies. Valve is one of the best companies I know when it comes to customer service, both for consumers and creators.

I have the sinking feeling that AI did more than clean up the grammar here.
I also suspect you did not do any actual research into the problem or the environment in which then problem occurs.

wel i did use it just for that but regardless as to your 2nd point in this part yeah i didnt do a lot this was just the suggestions ideas. i tried to then frame how i imagined it would look like my grammar and spelling suck if i had used it for more stuff i would probably have a better idea on how to do it i just tried to imagine how would i implement it and then asked can you correct grammar and add spacings and it corrected some spelling which i suck at. this is the unedited version of my speech if you are wondering so yeah i do suck at spelling and grammar.

idk how to add multiple quotes so il just say for the 2nd one i know it woud make them be a money wiring provider and that it has more legal parts to manouver. not loopholes necessarily as you called them but just a lot of regulations.

as for your last point. its a suggestion not a solution i suggested it in ideas/suggestions not as a i have come selling you a solution as you call it but just as that a suggestion. i then added my thoughts on how it could be implemented no need to be rude m8.

oh i ctrlzd the original thing back if you want to see the original i wrote without any ai grammar but i wont apologize for the grammar and spelling as just as here i just wrote thoughts as they came up and didnt even proof read the original for grammar and spelling since wel i was going to ask that to be corrected anyway. also the structure is a bit ♥♥♥♥♥♥ but not by much

引用自 Brold：

Disclaimer: I asked AI to clean up my grammar and spelling since I suck at that. Specifically Copilot. Sorry for any weird hiccups—I asked it to phrase things with minimal changes to my original wording.

I know it started as a meme for a while, but I think there's real potential here and a relatively easy way to test the waters. Due to recent events, this idea has gained traction again, but I’ve been hoping for something like this even before any controversies. Valve is one of the best companies I know when it comes to customer service, both for consumers and creators.

Plan for Implementation

Step 1: Add Features to the Steam Wallet The foundation is already in place with the Steam Wallet. The next step would be to extend its functionality slightly.

Allow funds to be transferred from one wallet to another, with permission granted through verification such as phone, email, or a wallet-specific password.

Enable multiple wallets per Steam account. For example, a personal wallet and a professional one. This would help developers avoid accidentally using company funds for personal purchases.

Bonus idea: Add multi-account wallets for companies or families. This could work like a shared game fund for households or a shared company wallet for development teams.

Step 2: Support for Other Marketplaces

2.1 Steam Wallet funds could be used on other platforms, with a small transaction fee. This fee could be paid by the user or the platform, depending on what is legally and logistically easier for Valve. The fee could be similar to what PayPal charges, or slightly more or less.

2.15 (Optional) This step is not strictly necessary, but it could help Valve gain legitimacy as a universal payment processor and make customers happy. If a developer enables it, Valve could offer a "Valve Alliance" option: buy a game on one store and activate it on others. This would ensure access even if a platform shuts down or if users prefer a different launcher. Cross-platform achievements could be shared if technically feasible.

2.2 Once 2.1 is established, Valve could offer API access for a fee, allowing websites—even outside gaming—to accept Steam Wallet payments. All you would need is a Steam account, an API key, and backend integration linked to a wallet.

Step 3: Withdrawals and Physical Cards

3.1 While Steam already allows withdrawals for developers and sellers, this should be extended to regular users. Start with a mandatory waiting period to ensure stability and prevent bugs from causing major issues.

3.2 Introduce Valve Pay physical cards. These could be bundled with physical purchases like Steam Decks as a trial run, and later sold on demand. Gift cards could be upgraded with a magnetic strip or chip, allowing them to be linked to a wallet. Users could unlink and relink cards as needed. If no wallet is linked, the card would simply show "insufficient funds" when used. If a deposit is made but no Steam account is linked, it would act like a charged gift card.




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If you browse the forum on any given day you will get at least a handful of topics, if i am being reasonable, where someone states their account has been hijacked, though claiming "hacked" and the likes . So with things such as

"Allow funds to be transferred from one wallet to another, with permission granted through verification such as phone, email, or a wallet-specific password."

will be a problem. Someone's account is compromised, wallet funds transferred through several accounts and lets say it ends up in an innocent person's wallet in the end, is Valve to remove that and place it back into the original account? That creates two problems, one being the person is robbed of their funds by Valve due to another person's actions (ie the original account with the funds), secondly it encourages account holder negligence as they will believe they can be careless with their account and funds returned, this creates quite a workload for Valve.

"Enable multiple wallets per Steam account. For example, a personal wallet and a professional one. This would help developers avoid accidentally using company funds for personal purchases.

Bonus idea: Add multi-account wallets for companies or families. This could work like a shared game fund for households or a shared company wallet for development teams."

The above simply takes the initial issues mentioned and now compounds it by adding multiple wallets.

"2.1 Steam Wallet funds could be used on other platforms, with a small transaction fee. This fee could be paid by the user or the platform, depending on what is legally and logistically easier for Valve. The fee could be similar to what PayPal charges, or slightly more or less."
Wallet funds are store-credit which only work within Steam, another platform is not going to accept that nor will Valve fork over the money as that would be a waste and then there are surely some sort of fee involved so even more money wasted.

"2.15 (Optional) This step is not strictly necessary, but it could help Valve gain legitimacy as a universal payment processor and make customers happy. If a developer enables it, Valve could offer a "Valve Alliance" option: buy a game on one store and activate it on others. This would ensure access even if a platform shuts down or if users prefer a different launcher. Cross-platform achievements could be shared if technically feasible."

Game devs can setup something similar to this, but ultimately would be their choice. i myself would like a sale on both steam and gog, not steam and then a free key on gog for them.

"2.2 Once 2.1 is established, Valve could offer API access for a fee, allowing websites—even outside gaming—to accept Steam Wallet payments. All you would need is a Steam account, an API key, and backend integration linked to a wallet."

Taking all the previous problems, including compounded and now further that with allowing api access, something that those with hijacked accounts would give access to the hijacker.

"Step 3: Withdrawals and Physical Cards"
Yet again take everything mentioned and now give the ability to withdraw to a physical card, that would be used who knows where getting yet another party involved when fraud rears its head. If the card is lost or stolen and funds used, valve would need to reverse that (if applicable), essentially doing everything a processor would plus the added risks with transferring between steam wallets. All around it would just at Best create a headache.