Payment services using cryptocurrencies or fiat currencies; Cryptocurrency and fiat currency exchange and trading services; Cryptocurrency and fiat currency transfer services; Electronic commerce 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; On-line commerce services facilitated by cryptocurrency; Secure on-line investment and banking services; Facilitating virtual or physical credit card or debit card transactions using cryptocurrency or fiat currency; Secure on-line credit account and debit account services; Secure on-line financial and monetary services