Downloadable computer software development tools; downloadable computer software in the nature of source code for use in design and development of computer programs; downloadable computer software for use in design and development of source code for use in the financial field; downloadable computer software for use in the design, development, testing, modeling, modification, management, and advancement of standards related to financial assets, digital assets, and currency; downloadable computer software for use in the management, control, and secure transfer of digital assets, financial assets, and currency; downloadable computer software for use in the design and development of standards related to digital assets; downloadable computer software for use in the design and development of standards related to financial assets; downloadable computer software for use in the design and development of standards related to currency, currency transfers, currency exchanges, identity verification, user authentication, and secure financial transactions; downloadable computer software for use in the design and development of digital payment processes; computer software for use in the design and development of financial systems; downloadable software that enables users to share and collaboratively develop software, computer code, and user-generated content; downloadable computer software for use in the fields of data security, data encryption, data protection, data storage, and data transfer; downloadable computer software in the fields of identity verification and user authentication; downloadable computer software to authenticate and manage digital user identities and privileged information for electronic commerce, financial transactions, and monetary transfers