A computing system includes a first computing platform and a virtual exchange computing platform, where the first computing platform provides an application and a first electronic value token and the virtual exchange computing platform is communicatively coupled to the first computing platform. The virtual exchange computing platform receives the information corresponding to the first electronic value token and calculates, via API functions linking to banking as a service (BaaS) functionality processed by a valuation computing platform, a valuation of the first electronic value token. The virtual exchange computing platform causes presentation, via a network and on a first user device, a user interface screen presenting a visualization of a value of the electronic value token and comprising an input and triggers, based on a received trade input from the user interface, a virtual exchange of value involving the first electronic value token.

A computing system includes a first computing platform and a virtual exchange computing platform, where the first computing platform provides an application and a first electronic value token and the virtual exchange computing platform is communicatively coupled to the first computing platform. The virtual exchange computing platform receives the information corresponding to the first electronic value token and calculates, via API functions linking to banking as a service (BaaS) functionality processed by a valuation computing platform, a valuation of the first electronic value token. The virtual exchange computing platform causes presentation, via a network and on a first user device, a user interface screen presenting a visualization of a value of the electronic value token and comprising an input and triggers, based on a received trade input from the user interface, a virtual exchange of value involving the first electronic value token.

A method, apparatus, and computer program product for alternative payment transactions are provided. An example computer-implemented method includes receiving a first request for payment associated with a first transaction that includes one or more first payment parameters and generating an initial payment responsive to the first request for payment based upon the first payment parameters. The computer-implemented method also includes determining first alternative payment data based upon first payment attribute data of a first user associated with the first transaction. The first payment attribute data is associated with non-cash liquid assets of the first user. The computer-implemented method additionally includes modifying the initial payment based upon the first alternative payment data and effectuating the modified initial payment from a first user account associated with the first user in satisfaction of the first transaction. The computer-implemented method may subsequently include modifying the first payment attribute data of the first user.

A method, apparatus, and computer program product for alternative payment transactions are provided. An example computer-implemented method includes receiving a first request for payment associated with a first transaction that includes one or more first payment parameters and generating an initial payment responsive to the first request for payment based upon the first payment parameters. The computer-implemented method also includes determining first alternative payment data based upon first payment attribute data of a first user associated with the first transaction. The first payment attribute data is associated with non-cash liquid assets of the first user. The computer-implemented method additionally includes modifying the initial payment based upon the first alternative payment data and effectuating the modified initial payment from a first user account associated with the first user in satisfaction of the first transaction. The computer-implemented method may subsequently include modifying the first payment attribute data of the first user.

A cryptocurrency secured by one or more loans is disclosed. The cryptocurrency is associated with one or more loans and the loan payments are distributed to the owner of the cryptocurrency. An identification of a pool of one or more bundled loans is received, and an indication of payments of the one or more bundled loans in the pool is be received. User information associated with a cryptocurrency exchange may be received, and the cryptocurrency is associated with the pool of one or more bundled loans. Transfer is made, to a user, of an amount of the payments of the one or more bundled loans in the pool.

A cryptocurrency secured by one or more loans is disclosed. The cryptocurrency is associated with one or more loans and the loan payments are distributed to the owner of the cryptocurrency. An identification of a pool of one or more bundled loans is received, and an indication of payments of the one or more bundled loans in the pool is be received. User information associated with a cryptocurrency exchange may be received, and the cryptocurrency is associated with the pool of one or more bundled loans. Transfer is made, to a user, of an amount of the payments of the one or more bundled loans in the pool.

Aspects of the disclosure relate to isolating and reinstating nodes in a distributed ledger using proof of innocence. In some embodiments, a first plug-in embedded with the blockchain network may monitor consumer-initiated transactions submitted to an enterprise organization node to determine the legitimacy of each consumer-initiated transaction. The first plug-in may identify consumer-initiated transactions associated with malicious activity and may flag the consumer node for further analysis. A second plug-in may identify and analyze the consumer-initiated transactions associated with the consumer node to determine a proof of innocence value associated with the consumer node. The first plug-in may isolate the consumer node from the distributed ledger if the proof of innocence value exceeds a proof of innocence threshold. Alternatively, the first plug-in may permit the consumer node to remain within the distributed ledger if the proof of innocence value falls below the proof of innocence threshold.

A computer-based system collects data associated with a user activity. The data is transmitted from an app running on a computing device with a user account authenticated by the computer-based system. A carbon footprint of the user activity is calculated based on the data associated with the user activity. The system calculates a proof of environmental impact in response to a function of the carbon footprint and a baseline value. An amount of cryptocurrency is generated based on the proof of environmental impact by writing a transaction for the amount of cryptocurrency to a blockchain in response to proof of environmental impact. The amount of cryptocurrency is assigned to the user account authenticated with the computer-based system.

The SECURE MULTI-SERVER INTEREST RATE BASED INSTRUMENT TRADING SYSTEM AND METHODS OF INCREASING EFFICIENCY THEREOF AND ASSOCIATED INTEREST RATE BASED FINANCIAL INSTRUMENT (“IRFI”) provides efficient, secure instrument transactions. The IRFI provides increased trading system security and efficiency for an interest-rate based instrument exchange utilizing a server-based trading platform. The IRFI receives a user selection of a contract including associated characteristic parameters. The IRFI receives user-selected number of contracts to trade associated with a basis point for the contract. An artificial neural network, including at least one input layer, a hidden layer and an output layer, can determine a risk hedging amount based on the basis point for the contract and the selected number of contracts to cover a risk in an auction. The IRFI receives pricing data associated with an auction system, the pricing data including settlement yield and delivery price and determines a delivery amount for the contract.

The SECURE MULTI-SERVER INTEREST RATE BASED INSTRUMENT TRADING SYSTEM AND METHODS OF INCREASING EFFICIENCY THEREOF AND ASSOCIATED INTEREST RATE BASED FINANCIAL INSTRUMENT (“IRFI”) provides efficient, secure instrument transactions. The IRFI provides increased trading system security and efficiency for an interest-rate based instrument exchange utilizing a server-based trading platform. The IRFI receives a user selection of a contract including associated characteristic parameters. The IRFI receives user-selected number of contracts to trade associated with a basis point for the contract. An artificial neural network, including at least one input layer, a hidden layer and an output layer, can determine a risk hedging amount based on the basis point for the contract and the selected number of contracts to cover a risk in an auction. The IRFI receives pricing data associated with an auction system, the pricing data including settlement yield and delivery price and determines a delivery amount for the contract.