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Downloadable computer software for platform for audio and video playback which compels and rewards consumption of said audio or video; Downloadable computer software and mobile application software platform in the field of decentralized applications (DAPPs) for audio and video playback which compels and rewards consumption of said audio or video; Downloadable computer application software, namely, decentralized open source software applications (DeAPPs) for user identity management, anonymity, and security using blockchain or distributed ledger technology; Downloadable computer software for application developers that allows and facilitates utility tokens and use of utility tokens to gain access to, operate, and deliver applications and software as a service services; Downloadable decentralized system based scalable software for developing, managing, deploying, and executing computer systems, computer applications, and application programming interfaces; Downloadable decentralized system based scalable software for accessing, viewing, sharing, creating, developing, managing, modifying, replicating, updating, using, linking, and virtualizing data over computer networks; 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