Software as a service (SAAS) services featuring software for providing a blockchain-based financial interface; non-custodial wallet software for transferring, managing, storing, and earning yield on stablecoins; Software as a service (SAAS) services featuring software for managing contacts; Providing online non-downloadable computer software platforms for centralized financial transactions; Software as a service (SAAS) services featuring software using artificial intelligence (AI) for optimizing stablecoin management, providing budget and spending insights for stablecoins;; Providing temporary use of non-downloadable cloud-based software for executing smart contract-based financial transactions