9 Downloadable computer software for transmitting, processing, facilitating, verifying, and authenticating transaction and payment information; Recorded and downloadable computer software for facilitating and processing payment, transmission of data and information about currency value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, transaction authentication, routing, authorization and settlement for electronic financial trading services, and data encryption services; Downloadable computer software for encryption; Recorded encryption key management software; Downloadable software for secure data storage and retrieval and transmission of customer information; Downloadable software for the issuance of tokens of value, electronic transfer of virtual currencies, electronic transfer of tokens of value, and electronic transfer of stablecoins