Providing temporary use of on-line, non-downloadable computer software for creating, managing, and analyzing data on distributed public ledgers and peer-to-peer payment networks in the fields of cryptocurrency, digital currency and decentralized applications; providing temporary use of on-line, non-downloadable computer software for business process automation software applications for use in electronic commerce, accounting, payroll, online bill paying, financial management, business management, investment fund management, customer relationship management, stock issuing and trading, billing, card issuing, and lending; and office and business productivity; ledger as a service for businesses for arranging, processing, reporting and managing online and offline transactions for businesses and facilitating reconciliation of money movements and payments