Downloadable computer software in the field of the digital economy that facilitates financial and non-financial transactions using fiat currencies and digital currencies, assets and tokens of value; downloadable computer programs in the field of the digital economy that facilitates financial and nonfinancial transactions using fiat currencies and digital currencies, assets and tokens of value; downloadable computer software applications in the field of the digital economy that facilitates financial and non-financial transactions using fiat currencies and digital currencies, assets and tokens of value; computer hardware in the field of the digital economy that facilitates financial and non-financial transactions using fiat currencies and digital currencies, assets and tokens of value; downloadable computer software for clearing the settlement of financial and non-financial assets; downloadable computer software for managing the title transfer of financial and nonfinancial assets; downloadable computer software for recording data and information to a cryptographic ledger; downloadable computer software for providing access to a cryptographic ledger; downloadable computer software for managing digital identity information; downloadable computer software for automating legal contracts; downloadable computer software for trading in digital currencies, assets and tokens of value; magnetically encoded loyalty cards; electronic key cards; GPS tracking and location devices; downloadable electronic publications, namely, blogs, newsletters and economic papers in the field of the digital economy; downloadable computer software for online messaging; downloadable software for generating cryptographic keys for sending, receiving and spending digital currencies, assets and tokens of value