Financial and compliance services, namely, facilitating the onboarding and client lifecycle management of individuals and businesses to financial services via reusable know-your-customer and know-your-business systems; facilitating the transacting of business-to-business, business-to-customer, customer-to-business, and/or customer-to-customers payments and banking; the payment of suppliers and vendors by corporations; electronic processing and transmission of bill payment between individuals, buyers, sellers, and financial institutions through a centralized and/or decentralized networks; automated payment and banking services utilizing API and/or mobile and web devices, for the transmissions and receipt of payments and payment information, without limitation