downloadable computer application software for blockchain-based platforms, namely, software platforms for distributed applications and software using a consensus engine incorporating blockchain technology for securing data with cryptographic information; downloadable computer software platforms for developing and building of distributed software applications and distributed computing platforms; downloadable computer software platforms for blockchains; Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; Distributed ledger-based payment services, namely, blockchain-based payment processing and verification services; distributed ledger-based payment services, namely, blockchain-based payment processing and verification services featuring consensus protocols which are protocols for obtaining agreement on a data values among a number of processes, agents or participants; cryptocurrency services, namely, providing a digital currency or digital token for use by members of an on-line community via a global computer network; issuance of tokens of value