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Downloadable software for mobile phones for learning foreign languages; Downloadable software for instant messaging and file sharing, downloadable communications software for electronically exchanging data, audio, video images and graphics via computer, mobile, wireless, telecommunications networks and downloadable computer software for processing images, graphics, audio, video, and text; Downloadable computer software for use as a cryptocurrency wallet; Downloadable mobile applications for translating languages; Downloadable mobile applications for enabling the transfer of financial instruments between users; Downloadable mobile applications for transferring cryptocurrency between users; VOIP phones