Downloadable computer software for electronic financial platforms that accommodates multiple types of payment and financial transactions in an integrated mobile phone, PDA, and web based environment; Downloadable software for enabling the transfer of money between users via electronic transactions; Downloadable software for facilitating transactions using cryptocurrencies via global computer networks and mobile devices via terrestrial and wireless networks and near field communications (NFC); Downloadable software for a proof verification network that makes settlement cost-effective for modular blockchain stacks

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