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Providing temporary use of on-line non-downloadable software for processing electronic payments; providing temporary use of on-line non-downloadable software for controlling access to and communications with computers and computer networks; providing temporary use of on-line nondownloadable software for enabling users to create, exchange, sell, purchase, and transmit non-fungible assets, digital assets, and crypto-collectibles; providing on-line nondownloadable computer software for use as a cryptocurrency wallet; Software as a service (SAAS) services featuring software for ACH, fraud detection, and commercial financial purposes, namely, managing and verifying financial transactions