Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; currency trading; currency exchange services; financial services, namely, providing electronic transfer of a virtual currency for use by members of an on-line community via a global computer network; on-line real-time currency trading; cash management, namely, facilitating transfers of electronic cash equivalents; digital currency exchange transaction services for transferable electronic cash equivalent units having a specified cash value