Computer software for enabling, processing, facilitating, validating, and authenticating monetary and financial transactions, for tracking the profitability of financial portfolios and processing investments in small dollar value increments and for sending, receiving and holding digital currency and monitoring digital currency balances that may be downloaded from a global computer network; Downloadable software for enabling, processing, facilitating, validating, and authenticating monetary and financial transactions, for tracking the profitability of financial portfolios and processing investments in small dollar value increments and for sending, receiving and holding digital currency and monitoring digital currency balances; Downloadable computer software for enabling, processing, facilitating, validating, and authenticating monetary and financial transactions, for tracking the profitability of financial portfolios and processing investments in small dollar value increments and for sending, receiving and holding digital currency and monitoring digital currency balances; Downloadable computer application software for mobile communication devices, namely, software for enabling, processing, facilitating, validating, and authenticating monetary and financial transactions, for tracking the profitability of financial portfolios and processing investments in small dollar value increments and for sending, receiving and holding digital currency and monitoring digital currency balances; Downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment

Software as a service (SAAS) services featuring software for enabling, processing, facilitating, validating, and authenticating monetary and financial transactions, for tracking the profitability of financial portfolios and processing investments in small dollar value increments and for sending, receiving and holding digital currency and monitoring digital currency balances; Providing on-line non-downloadable software for enabling, processing, facilitating, validating, and authenticating monetary and financial transactions, for tracking the profitability of financial portfolios and processing investments in small dollar value increments and for sending, receiving and holding digital currency and monitoring digital currency balances; Providing temporary use of a non-downloadable web application for enabling, processing, facilitating, validating, and authenticating monetary and financial transactions, for tracking the profitability of financial portfolios and processing investments in small dollar value increments and for sending, receiving and holding digital currency and monitoring digital currency balances; Providing temporary use of a web-based software application for enabling, processing, facilitating, validating, and authenticating monetary and financial transactions, for tracking the profitability of financial portfolios and processing investments in small dollar value increments and for sending, receiving and holding digital currency and monitoring digital currency balances; Providing temporary use of on-line non-downloadable software and applications for enabling, processing, facilitating, validating, and authenticating monetary and financial transactions, for tracking the profitability of financial portfolios and processing investments in small dollar value increments and for sending, receiving and holding digital currency and monitoring digital currency balances; Providing temporary use of on-line non-downloadable software for enabling, processing, facilitating, validating, and authenticating monetary and financial transactions, for tracking the profitability of financial portfolios and processing investments in small dollar value increments and for sending, receiving and holding digital currency and monitoring digital currency balances