Downloadable computer software for processing electronic transfers of funds to and from others by way of ACH (automated clearing house), credit card, debit card, electronic check and electronic, mobile and online payments; downloadable authentication software for controlling access to and communications with computers and computer networks; downloadable computer software for use in electronically trading, storing, sending, receiving, accepting and transmitting digital currency, and managing digital currency payment and exchange transactions.

Processing electronic transfers of funds to and from others by way of ACH (automated clearing house), credit card, debit card, electronic check, and electronic, mobile and online payments; managing digital currency payment and exchange transactions.