Currency exchange services; on-line real-time currency trading; cash management, namely, facilitating transfers of electronic cash equivalents; virtual currency exchange transaction services for transferrable electronic cash equivalent units having a specified cash value; electronic funds transfer, namely, transmission of currency via computer terminals and electronic devices; electronic funds transfer, namely, transmission of virtual currency and digital currency via electronic communication networks. Facilitates financial transaction process whereby native fiat currency in country or region a is converted to Ripple, transmitted over the Ripple network and converted back to native fiat currency in country or region B to satisfy the payment transaction; holds Ripple deposits for users of the site to be used as a liquidity pool for cross border transaction spreads and payments. Facilitates payment to users for loaning their asset to the pool