Providing online non-downloadable software for processing electronic payments to and from others via a computer and telecommunication network; providing online non-downloadable software for use in the processing of electronic financial transactions of any assets, credits, and obligations, including payments, securities, bonds, futures, trade, digital currency, virtual currency, fiat currency, commodities, precious metals and store credits; providing online non-downloadable software for use in the issuance, deposit, withdraw, remittance, transfer, clearance, settlement, and management of any digital assets, credits, and obligations; providing online non-downloadable software, namely, an electronic financial platform that accommodates multiple types of payment and financial transactions in a computer and telecommunication network environment, via landline phones, mobile phones, PDAs, tablets, laptops, desktops, and other electronic devices capable of connecting with the above networks