Computer software applications, downloadable, for for use in contactless and QR-code transactions with retailers, merchants, transit and vendors via mobile and PC devices, used to process payments; Computer software platforms, downloadable, for transmitting, processing, facilitating, verifying, and authenticating: credit, debit and electronic-cash information, using Tokeinzed transaction and payment information; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable mobile applications for managing electronic payment transactions for online marketplaces of goods authenticated by non-fungible tokens (NFTs); Downloadable computer application software for transmitting, processing, facilitating, verifying, and authenticating, namely, software for credit, debit and electronic-cash information, using Tokeinzed transaction and payment information; Downloadable computer software for managing electronic payment transactions for online marketplaces of goods authenticated by non-fungible tokens (NFTs); Downloadable computer software for managing electronic payment transactions using distributed ledger technology (DLT)