A stored balance with multi-channel withdrawal access is described. In an example, a server of a payment processing service can determine a stored balance based on funds received from point-of-sale (POS) transactions processed via the payment processing service on behalf of a merchant. The stored balance can be maintained in a ledger of the payment processing service. The server can associate the stored balance with a payment instrument of the merchant. The stored balance can be accessible via the payment instrument substantially immediately after funding of a transaction at the POS and via (i) an instant deposit to a linked bank account of the merchant and (ii) a scheduled deposit to the linked bank account, wherein the instant deposit is available substantially immediately after funding of the transaction and the scheduled deposit is made at a prearranged time after the funding of the transaction.

A method for assisting transactions preferably includes a relayer wherein the relayer maintains an orderbook, and wherein the relayer is specified as the taker on all orders in the orderbook. The method incorporates matching buy and sell orders into a single, atomized batch order, price adjusting for spread, and passing the gain from the spread to the second order in the orderbook.

A cash management system utilizes a cloud computing model wherein a cloud of one or more servers may be locally networked or may be geographically dispersed and accessed by the client device over the Internet. The client device is a cash management safe. More than one safe may be employed in a system. Metrics, control functions, and interactions normally handled by an autonomous safe are shunted directly to a cloud server on the network. Usage data, currency validations, coin validations, security entries, etc. are communicated to the cloud server. The cloud server(s), based on database information and software settings, can transmit configuration, updates and information to remote safes. The information transmitted may include user configuration, access rules, currency configuration, alert configuration, and software and firmware updates. The cloud server based cash management system allows the entire cash management of an enterprise to be provided as a service to that enterprise.

A system and method for achieving financial transactions utilizing blockchain transfers wherein a microprocessor is coupled to at least one network adapter and is operable to access memory and execute computer-readable instructions to receive a transfer of a cryptocurrency amount into a first account; define a value to that cryptocurrency at that time and peg that value to the cryptocurrency until a subsequent financial transaction wherein at least a portion of the cryptocurrency is used to satisfy a transaction amount based upon a pegged value rather than a then current value. A hedging mechanism can be implemented to mitigate volatility of the incoming currency, such as a cryptocurrency.

A computer-implemented system and method that includes receiving, by a messaging hub, a code and a transaction amount from a recipient and determining, by the messaging hub, based at least partially on the code, an account number for a credit card held by a user. The system and method may include receiving, by the messaging hub, funds equaling the transaction amount from the credit card and depositing the funds in an account held by the messaging hub, the funds being received via a four-party credit card transaction in which the messaging hub operates as a merchant and sending the funds from the account held by the messaging hub to an account held by the recipient.

Exemplary systems, methods, and computer-accessible mediums can include, for example, receiving a first location of a user(s) and time information associated with that location, initiating a record for the user(s) based on the location and the time information, receiving a second location of the user(s), where the second location can be in a second bounded area, storing in record, a transaction(s) associated with the user(s) based on the second location, and automatically initiating a single payment for the transaction(s) when the user(s) leaves the first location.

The systems and methods described herein are related to an improved cryptocurrency stability protocol and mechanism for facilitating the exchange of cryptocurrency. The improved technology protocol described herein may comprise a stability protocol utilized to stabilize the price of a stable coin (or crypto-token) in circulation by preventing the exchange of the stable coin above or below the current value of the coin at any given time. Unlike other stable coins, the stable coin described herein may not use a currency peg or collateral or any predicting method to ensure stability. The stability protocol may instead be based on a smart contract algorithm that is designed to completely eliminate the possibility for any volatility in the first place. The improved mechanism for facilitating the exchange of cryptocurrency described herein may enable a true 1:1 value swap between two cryptocurrencies (i.e., a smart swap).

This invention relates to a method of conducting a digital currency exchange transaction whereby a specified amount of a digital currency is to be converted to a fiat currency, the method including the steps of initiating, on a processing server, the digital currency exchange transaction; debiting a user's digital currency account with the specified amount of the digital currency; recording, on a blockchain, the debiting of the user's digital currency account; converting, via an exchange service provider, the debited digital currency to the fiat currency; and depositing, by means of a push payment transaction and via a payment network, the converted fiat currency into a designated receiver account that is associated with the payment network.

Systems and methods for managing bundles of cryptocurrency assets.

Systems and methods for token-based cross-currency interoperability are disclosed. In one embodiment, in a first financial institution information processing apparatus comprising at least one computer processor, a method for conducting a token-based cross-currency transaction may include: (1) receiving, from a first party, a transaction initiation request for a transaction amount to a second party; (2) deducting the transaction amount from a fiat currency account for the first party; (3) creating a token amount of tokens for the transaction amount; (4) writing the token amount to a distributed ledger; and (5) transferring the token amount of tokens to a second financial institution for the second party.