Downloadable mobile applications for enabling processing of electronic funds transfers and payments made via automated clearing house (ACH), credit card, debit card, electronic check and electronic, mobile and online payments; Downloadable mobile applications for enabling the electronic transfer of money or virtual currency or electronic funds between users; Downloadable software for enabling the electronic transfer of money or virtual currency or electronic funds between users; Downloadable software for enabling processing of electronic funds transfers and payments made via automated clearing house (ACH), credit card, debit card, electronic check and electronic, mobile and online payments