9 Mechanisms for coin-operated apparatus; magnetically encoded cards for carrying data, namely, debit cards and credit cards; multifunction cards for financial services, namely, magnetically encoded debit and credit cards, and magnetically encoded contactless debit and credit cards; magnetically encoded virtual currency debit cards; magnetically encoded debit and credit cards; pre-recorded magnetic data carriers featuring financial and personal information; computer software recorded on computer media for the storage, management and exchange of fiat and virtual currencies, management of debit and credit cards; downloadable computer software for the storage, management and exchange of fiat and virtual currencies and cryptographic tokens, management of debit and credit cards; downloadable and recorded software for facilitating secure payment transactions by electronic means; downloadable computer mobile software applications for the storage, management and exchange of fiat and virtual currencies and cryptographic tokens, management of debit and credit cards; downloadable software applications for mobile or wireless devices and computers devices that securely provide access to virtual currencies in distributed ledgers, the ability to purchase, swap and trade different virtual currencies, calculate taxes, invest in different asset classes, manage portfolio, access data and manage different bank accounts; cryptocurrency hardware wallets