Providing on-line non-downloadable computer software for processing electronic payments and for transferring funds to and from others; providing on-line non-downloadable software for enabling the electronic transfer of money between users, merchant to customer, customer to merchant, customer to financial institution, and from mobile money account to mobile money account; providing on-line non-downloadable computer software for enabling processing of electronic funds transfers and payments made via ACH (Automated Clearing House), credit card, debit card, electronic check and electronic, mobile and online payments; providing on-line non-downloadable computer software for use in connection with transferring, managing and processing cryptocurrency, digital currency, and virtual currency, based on blockchain technology; providing on-line non-downloadable computer software to enable central banks to mint and burn digital currency; providing on-line non-downloadable computer software to enable the electronic trading, storing, sending, receiving, accepting, and transmitting of digital currency and for managing digital cryptocurrency payment and exchange transactions between central banks, banks, companies, customers, merchants and individuals via a global computer network