Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; Currency exchange services; On-line real-time currency trading; Payment processing services, namely, credit card, debit card and virtual currency transaction processing services; Financial services, namely, providing a digital currency for use by members of an on-line community via a global computer network; Software products, namely, a secure digital wallet that can reside in the cloud, on a hard drive or on smart cards or mobile devices, an enterprise server and software development kit, a distributed payment processing server, a mobile server for advanced caching and indexing, an audit server with an elegant interface for BDB and potential regulatory oversight and an ERP Server, together which allow for digital trading and storage of various mediums of exchange; Brokerage of bonds