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Electronic payment device in the nature of electronic hardware wallet capable of securely storing credentials of a general purpose reloadable payment account or digital storage system with value derived from traditional currency or an exchange of cryptocurrency to traditional currency, and transmitting credentials for the purpose of conducting a contactless payment transaction

Platform as a service (PAAS) featuring computer software platforms for exchanging digital or cryptocurrency into traditional currency, and storing that value, or value transferred from traditional financial accounts, on a general purpose reloadable account or digital storage system or wallet for purposes of conducting transactions