CELPAY

Downloadable software in the nature of a mobile application for peer-to-peer cryptocurrency payments; downloadable software in the nature of a mobile application for members of an on-line community to deposit cryptocurrency holdings, earn interest on such holdings in the form of cryptocurrency, borrow cryptocurrency against collateral or other assets held, loan cryptocurrency through a peer-to-peer network, and facilitate use of cryptocurrency holdings in order to provide opportunities to hedge and create short positions in the marketplace