Application service provider featuring application programming interface (API) software for payment authentication, processing electronic payments and digital asset transfers, creating stored value accounts, transmission, storage, and retrieval of financial data, online stored value accounts, virtual currency services, electronic transfer of a virtual currency, electronic funds transfer; providing temporary use of online non-downloadable payment authentication software; providing temporary use of online non-downloadable software for processing electronic payments and asset transfers; providing temporary use of online non-downloadable software for transmitting financial data; providing temporary use of online non-downloadable software that allows third parties to provide electronic transfer of a virtual currency; providing on-line non-downloadable computer software for use as a cryptocurrency wallet; providing on-line non-downloadable computer software for user identity authentication and verification; providing on-line non-downloadable computer software for user identity authentication and verification for purposes of uniqueness verification, identity verification, cryptocurrency wallet creation, cryptocurrency deposit, and assisting users in meeting regulatory requirements; providing on-line non-downloadable computer software for accessing, developing, building, and operating blockchain applications and platforms and for enabling users to electronically access a blockchain-based and distributed computing platform and applications; application service provider featuring application programming interface (API) software for blockchain based platforms; providing on-line non-downloadable computer software for the creation and implementation of blockchain and smart contracts; providing on-line non-downloadable computer software for the cloud storage of data; design, development, and implementation of software; design, development, and implementation of software for distributed computing platforms; design, development, and implementation of software for blockchain applications; design and development of computer hardware; design and development of computers, electronic computer hardware, and identity-verifying electronic devices, for user identity authentication and verification; design and development of computers, electronic computer hardware, and identity-verifying electronic devices, for user identity authentication and verification for purposes of uniqueness verification and identity verification; design and development of identification equipment for individuals, namely, optical apparatus and instrumentation for recording and processing sound, images, and data; design and development of identification equipment for individuals, namely, optical apparatus and instrumentation for recording and processing sound, images, and data for purposes of uniqueness verification and identity verification.