Issuing of vouchers for use as money; electronic funds transfer; issue of tokens, coupons and vouchers of value; issue and redemption of tokens of value; finance services; payment processing; remote payment services; payment administration services; payment services provided via wireless telecommunications apparatus and devices; transfer of funds via electronic communication networks; conducting of financial transactions via electronic communication networks; electronic payment services; electronic processing of payments; remittance services provided on-line; conducting cashless payment transactions; financial payment services; finance services in the field of electronic funds transfer; financial transactions and payment services; electronic funds transfer and services in the field of financial transactions; finance services for transfer of funding and money; financial advisory and management services; financial advice; credit assessment services; preparation of credit rating reports; financial consultancy and insurance consultancy; insurance services; monetary services, in particular for receipt of payment, payments and exchange of payments and gifts in fiat currencies and virtual currencies over computer networks; providing a virtual currency for exchange and storage over computer networks; currency trading and exchange services; currency trading, namely exchange of fiat currencies and virtual currencies over computer networks; administrative services relating to investments; currency trading; financial management.