Providing a website featuring non-downloadable software for connecting patrons with local retail stores, restaurants, cafes, and bars that accept virtual currency as payment for purchases; Providing a website featuring non-downloadable software for helping users find local retail stores, restaurants, cafes, and bars that participate in a loyalty program that rewards users with virtual currency for purchases at such establishments; Providing a website featuring non-downloadable software for promoting the goods and services of others and for providing information and reviews concerning the goods and services of local retail stores, restaurants, cafes, and bars; Providing a website featuring non-downloadable software for use by local retail stores, restaurants, cafes, and bars to provide nearby consumers with real time incentives to visit and make a purchase; Providing a website featuring non-downloadable software for use by local retail stores, restaurants, cafes, and bars to communicate with regular patrons to incentivize additional visits and purchases; Providing a website featuring non-downloadable software for identifying high-value potential customers and building customized incentives and offers for those customers; Providing a website featuring non-downloadable software for small businesses to apply for financing using virtual currency; Providing a website featuring on-line non-downloadable software that enables users to purchase, spend, store, transfer, and exchange virtual currency; Providing a website featuring on-line non-downloadable software that enables users to sign up for and participate in a loyalty program based on the exchange of virtual currency; Providing a website featuring on-line non-downloadable software that enables users to electronically transfer virtual currency between accounts and to third-parties, pay bills, and make loan payments; Providing temporary use of on-line non-downloadable computer software for use as an electronic wallet