9 Downloadable software in the nature of a mobile application for digital banking, namely, allowing users to make peer to peer payments, direct deposits to financial accounts, mobile check deposits to financial accounts, mobile investments, conversion of crypto-currency to US dollars; Blank smart cards; Downloadable software in the nature of a mobile application for connecting, operating, and managing networked payment devices in the internet of things (IoT); Downloadable software in the nature of a mobile application allowing users to access a digital wallet that stores customer account information to access; Downloadable software in the nature of a mobile application for electronic payments, namely, electronic processing of credit card transactions and mobile wallet transactions