The redemption movement is a debt-resistance movement and fraud scheme which is primarily active in the United States and Canada. Participants allege that a secret fund is created for every citizen at birth, and that a procedure exists to "redeem" or reclaim this fund to pay bills. Common redemption schemes include acceptance for value (A4V), Treasury Direct Accounts (TDA) and secured party creditor kits. Such tactics are sometimes called "money for nothing" schemes, as their aim is ultimately to extract money from the government by using secret methods. The name of the A4V scheme is also commonly used to refer to the movement as a whole.