Currency exchange services; on-line real-time currency trading; cash management, namely, facilitating transfers of electronic cash equivalents; virtual currency exchange transaction services for transferable electronic cash equivalent units having a specified cash value; electronic funds transfer, namely, transmission of currency via computer terminals and electronic devices; electronic funds transfer, namely, transmission of virtual currency and digital currency via electronic communication networks; Electronic financial services, namely, monetary services for receiving and disbursing payments and gifts in fiat currencies and virtual currencies over a computer network and exchanging fiat currencies and virtual currencies over a computer network; electronic financial services, namely, receiving and disbursing payments and gifts in fiat currencies and virtual currencies over a computer network; financial services, namely, providing a virtual currency for exchange over a computer network; currency exchange services, namely, exchanging fiat currencies and virtual currencies over a computer network; payment verification services, namely, delivering payments and gifts from a source to a destination; financial management and administration services, namely, facilitating transfers of digital currency, transmission of digital currency via electronic communication networks, and electronic transmission of digital currency