INSTAFI

Magnetically encoded charge cards, credit cards, debit cards, and payment cards; credit, debit, charge, and payment cards containing an encoded electronic chip for enabling secure financial and commercial transactions; downloadable computer software for facilitating commercial transactions through electronic means via wireless networks, global computer networks, and mobile telecommunications networks; downloadable computer software for the electronic storage, transmission, presentation, verification, and authentication of credit, debit, charge, and payment cards; downloadable computer software for integration with accounting, bookkeeping, and project management platforms, enabling automated expense categorization, real-time budget tracking, and fund allocation linked to card transactions; downloadable mobile applications for monitoring transaction histories, project-level spending, and yield on deposit balances; downloadable software providing enhanced security measures, including tokenization and multifactor authentication for financial data and payment card information; downloadable application programming interfaces (APIs) enabling integration of payment card data with third-party financial, accounting, and compliance systems, and enabling automated draw management, expense approvals, and digital lending workflows

Accounting services; consulting and information concerning accounting; accountant referrals; providing on-line trade directory services featuring real estate investment firms, hard money lenders, accounting firms, businesses providing financial and business consulting services, businesses providing outsourced business leadership, personnel and human resources administration, businesses providing compliance and fund management services, businesses providing data services, businesses providing brand and marketing services, businesses providing project profitability analytics, and businesses providing software development and integration services; on-line business directory listings featuring accounting firms, accountants, businesses providing real estate lending solutions, financial analytics, cost tracking, automated bookkeeping services, construction draw management, and other fintech-related services; general business networking referral services, namely, promoting the goods and services of others by passing business leads and referrals among group members; tracking, comparing and monitoring corporate and project-level expenses for others for cost accounting purposes; providing business consulting and advisory services relating to project expense management, cost allocation, and procurement optimization; business consulting in the field of financial operations and process automation for real estate and lending operations. Administration of discount programs for enabling corporate participants to obtain discounts on goods and services through use of corporate physical and virtual credit, debit, charge and payment cards; promoting the membership and use of physical and virtual credit, debit, charge and payment card accounts through the administration of incentive award programs; providing incentive award programs through issuance and processing of loyalty points for purchase of a company's goods and services; promoting the goods and services of others by awarding purchase points for physical and virtual credit, debit, charge and payment card use; consulting and information concerning accounting; accountant referrals; providing on-line trade directory services; on-line business directory listings featuring accounting firms, accountants, businesses providing financial and business consulting, project expense management, real estate lending solutions, data services, brand and marketing services, product development, compliance and fund management services, and software development services; general business networking referral services, namely, promoting the goods and services of others by passing business leads and referrals among group members; providing advisory and consulting services related to integrating financial incentives, expense controls, and rewards programs that enhance project profitability and encourage adoption of corporate spend solutions

Issuance of credit, debit, charge and payment cards; issuance of virtual credit, debit, charge and payment cards, virtual currency, and electronic stored value accounts; credit, debit, charge and payment card transaction processing services; virtual credit, debit, charge and payment card transaction processing; financing loans for business payments through use of corporate credit, debit, charge and payment cards; electronic payment services involving electronic processing and subsequent transmission of bill payment data; corporate cash management services; treasury management and liquidity optimization services; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; electronic processing of wireless wallets, mobile wallets and virtual credit, debit, charge and payment card transactions; providing financial services tailored for real estate investors and hard money lenders, including automated draw management, compliance-driven lending workflows, project-level profitability analysis, yield-earning deposit accounts, and instant access to funds; providing financial consulting and advisory services related to expense allocation, cost overrun detection, and cash flow optimization; providing online financial tools for analyzing lending portfolios, monitoring real estate project funding, and achieving higher risk-adjusted returns

Provision of an on-line expense management tool for others in the nature of providing temporary use of online non-downloadable software for transaction approval, project expense management, automated draw requests, and integration with accounting and lending systems; computer services, namely, hosting and maintaining online websites and dashboards for others to provide feedback and information with respect to physical and virtual credit, debit, charge and payment card membership, transaction histories, and project-level financial performance; providing temporary use of a web-based software application for controlling, monitoring, validating and categorizing credit, debit, charge and payment card transactions and virtual payment transmissions; providing non-downloadable software for automated bookkeeping, linking transactions to project budgets, streamlining compliance reporting, managing fund disbursements, and ensuring secure connectivity to third-party accounting platforms; providing software as a service (SaaS) featuring software for project-specific financial analytics, cost overruns detection, yield analysis, and risk management; providing API integrations and connectivity tools that facilitate seamless interaction with accounting software, such as QuickBooks, ERP systems, and real estate project management platforms, to ensure accurate financial reporting, real-time cost tracking, and enhanced decision-making capabilities