42 Providing user authentication services using blockchain-based software technology for cryptocurrency transactions; Software as a service (SAAS) services featuring software for digital transformations, digital asset access and distribution, fraud protection, electronic transaction settlements, banking, management of virtual currency, credit pricing, lending, loan auctions, lender diversification, non-custodial digital assets, blockchain technology, stable asset banking, banking compliance, data registries, digital currency banking, accounting, virtual currency trading exchange, borrower pre-qualification and assessment processes, borrower profiling and credit pricing, electronic communication encryption, digital identity verification, data migration, management of securities, digital assets, and commodities, obtaining banking charters, anti-money-laundering, and cryptocurrency transactions