9 Downloadable computer software in the nature of a mobile application for use by corporate and consumer end users to select and manage personalized and customized investments and borrowing and self-directed trading and tax-loss harvesting, namely, downloadable computer software for assessing end-user goals, objectives and risk tolerance, recommending personalized and customized investment portfolios, mortgage and other debt products, and acquiring, trading, and managing investment portfolios, including Environmental, Social and Governance responsible (ESG) investments, and digital assets, namely, cryptocurrency, digital currency, virtual currency, digitized and tokenized stocks and securities, non-fungible tokens (NFTs), and other assets; downloadable computer software for use by businesses to offer personalized and customized investment and debt management services to their end-users, namely, downloadable computer software for assessing goals, objectives and risk tolerance, recommending customized investment portfolios, mortgages and other debt products, and acquiring, trading, and managing personal investment portfolios, including ESG investments, digital assets, namely, cryptocurrency, digital currency, virtual currency, and digitized and tokenized stocks and securities, NFTs, and other assets; downloadable application programming interface (API) software for integration of and by third-party investment management applications and platforms; downloadable software development kits (SDKs) for integration of and by third-party investment management applications and platforms; downloadable computer software for use by developers to create software programs to offer customers personalized and customized investments, borrowing, self-directed trading, and tax-loss harvesting, namely, downloadable computer software for assessing goals, objectives and risk tolerance, recommending customized investment portfolios, mortgages and other debt products, and acquiring, trading, and managing personal investment portfolios, including ESG investments, and digital assets, namely, cryptocurrency, digital currency, virtual currency, digitized and tokenized stocks and securities, NFTs, and other assets; downloadable software for execution and management of secure data transactions; downloadable computer software for use in trading digital assets; downloadable software for sub-ledgering, user authentication, custody, and storage online and offline; downloadable software for use as a virtual wallet to store digital assets