A new system of IMVUPay will be released in February, according to a post by eXium's in IMVU forum,
"... we have ways to better equalize the markets. We are going to introduce a buyers market and a sellers market in IMVUPay 2.0, so not only can sellers set the rate, but buyers can send funds to their IMVUPay Wallet and then request rates for sellers to fill. That way the impatient sellers can quickly distribute their credits to people and earn money instantly to the patient buyers, while the patient sellers can sell to the instant buyers on the sellers market ... "