Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; Financial services, namely, providing electronic transfer of a virtual currency for use by members of an on-line community via a global computer network; Financial exchange of virtual currency; Electronic transfer of virtual currencies; Loyalty program payment processing services; Investment by electronic means; Financial services, namely, microfinance lending services; Financial services, namely, providing on-line stored value accounts in an electronic environment; Providing an internet website portal in the field of financial transaction and payment processing services; Financial transaction services, namely, providing secure commercial transactions and payment options; Financing loans for small business; Facilitating and arranging for the financing of small business using virtual currency; Processing of electronic wallet payments; Providing an internet website portal in the field of financial transaction services for users to purchase, spend, store, transfer, and exchange virtual currency; Providing an internet website portal in the field of financial transaction services for small businesses to apply for financing using virtual currency; Providing an internet website portal in the field of financial transaction services for users to electronically transfer virtual currency between accounts and to third-parties, pay bills, and make loan payments; Providing an internet website portal in the field of financial transaction services for users to sign up for and participate in a loyalty program based on the exchange of virtual currency