Providing a virtual platform that allows for noncustodial, peer-to-peer, permissionless lending, borrowing and trading that requires no governance or external price fees to function; software as a service (SAAS) services featuring software for managing cryptocurrency transactions using blockchain technology; implementation of application programming interface (API) software for data regarding digital assets; software as a service (SAAS) featuring software for initiating, managing, tracking and enforcing digital assets transactions, transfers, fungible and non-fungible tokens; software as a service (SAAS) featuring software for initiating, managing and enforcing financial transactions, transfers, fungible and non-fungible tokens; software as a service (SAAS) featuring software for holding and transferring interest-bearing digital assets; providing access to non-downloadable software for use in initiating, managing, tracking and enforcing digital assets transactions, transfers, fungible and non-fungible tokens; providing access to non-downloadable software for use in initiating, managing, tracking and enforcing financial transactions on a distributed computer network; providing access to non-downloadable software for analyzing and providing financial information in the nature of interest rate pricing and collateral requirements for digital assets; providing access to non-downloadable software for facilitating access to transactions involving digital asset pools; providing access to non-downloadable software for initiating, managing and tracking executable software modifications; providing access to non-downloadable software for voting, delegating votes, and tracking voting and delegated votes with respect to executable software modifications; providing access to non-downloadable software for use as an application programming interface (API) for data regarding digital assets; providing access to non-downloadable software for buying, selling, sending, receiving, exchanging, and otherwise executing transactions involving cryptocurrency, digital currency, virtual currency, blockchain enabled currency, and related assets; providing access to non-downloadable software to enable transactions in cryptocurrency, digital currency, virtual currency, blockchain enabled currency, and related assets using blockchain, smart contracts, and related technologies