42 Providing user authentication services using blockchain-based software technology for cryptocurrency transactions; providing temporary use of online, non-downloadable software for enabling blockchain transactions between users; software as a service (SAAS) services featuring software for creating, preparing, managing, sending, processing, tracking, and reconciling electronic transactions made via blockchain-based smart contracts and networks; software as a service (SAAS) services featuring software for transferring cryptocurrency assets, digital assets, stocks, bonds, and options; providing online non-downloadable software for the electronic transfer of money for others; providing online non-downloadable software for the electronic processing of electronic funds transfer, ACH transactions, credit card transactions, debit card transactions, electronic check transactions, and electronic, mobile and online payments; providing temporary use of online, non-downloadable software for managing cryptocurrency transactions using blockchain technology; providing temporary use of online non-downloadable software for managing and validating cryptocurrency transactions using blockchain-based smart contracts; providing temporary use of online non-downloadable software for managing portfolios of cryptocurrencies, digital currencies, virtual currencies, digital tokens, digital assets, cryptoassets, and cryptographic assets; technological consultation and research in the field of financial transactions for cryptocurrencies, cryptocurrency assets, digital assets, stocks, bonds, and options, commodities, futures, and other securities; providing online non-downloadable software for use in providing a decentralized virtual currency for use via a global computer network utilizing a blockchain and providing a collateral and credit system