Downloadable computer software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunications networks; downloadable mobile applications for managing transactions related to the fintech industry including operations with cryptocurrencies, block chain solutions, asset exchange, trading, cross rates fix, store of value, asset storage, technical and financial audit, brokerage, investments, lending, payment processing, card issuance, clearing, deposits, digital asset transfer, derivative trading and settlement, and digital transferring tokens of value; downloadable computer software used to process mobile cryptocurrency payments; downloadable computer software for transmitting, processing, facilitating, verifying, and authenticating transaction and payment information; downloadable computer application software for mobile devices, namely, software which enables users to trade, cryptocurrency, futures and options on cryptocurrency; downloadable computer application software for use as a cryptocurrency wallet for smartphones and tablet computers; downloadable software in the nature of a mobile application for clearing and reconciling financial transactions via the internet; downloadable computer software for use as a digital token wallet; downloadable software for enabling users to electronically create, store, send, receive, accept, and transmit digital tokens based on the blockchain technology; cryptocurrency hardware wallets