Providing electronic processing of virtual or physical credit card or debit card transactions using cryptocurrencies or fiat currencies via a global computer network; on-line banking services in the nature of secure on-line credit account and debit account services; Secure on-line financial and monetary services, namely, on-line banking services, and on-line real-time currency trading; Currency trading; Currency transfer services; Electronic currency trading, namely, on-line real-time currency trading; Electronic commerce payment services, namely, establishing funded accounts for purchase of goods and services on the Internet; Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; Secure cryptocurrency trading and on-line commerce facilitated by cryptocurrency, namely, financial services in the nature of providing electronic transfer of a virtual currency for use by members of an on-line community via a global computer network; Secure on-line investment and banking services, namely, banking services and securities investing services for others via the internet