42 Software as a service (SAAS) services featuring software for providing financial due diligence information on bank counterparties involved in payment and loan transactions, financial asset verification, financial credit risk information, financial credit ratings, employment verification, and cash flow verification; providing on-line non-downloadable computer software for use as a cryptocurrency and currency wallet; Software for a digital solution for evaluating and reporting on an individual's or entity's financial capacity and the software can provide financial data to produce detailed assessments in real time of financial capacity; credit evaluation, and risk assessment