Software-as-a-Service (SAAS) services featuring software for implementing digital ledger, blockchain, and cryptocurrency technologies for automating and improving the process of investing, namely, software for encoding distributed social graphs into a digital investment protocol; SAAS services featuring software enabling users to create, standardize and analyze investment data via a digital investment protocol encoded with distributed social graphs; SAAS services featuring open source software and tools in the nature of software development tools for building a platform for products and services that run according to a digital investing protocol that coordinates with a distributed social graph