Providing temporary use of a non-downloadable web application for enabling bank-issued tokenized deposits, digital payment and transfer functionality, identity based compliance controls, and interoperability across multiple financial institutions, wallets and applications; Providing temporary use of non-downloadable cloud-based software for enabling bank-issued tokenized deposits, digital payment and transfer functionality, identity based compliance controls, and interoperability across multiple financial institutions, wallets and applications; Application service provider featuring application programming interface (API) software for enabling bank-issued tokenized deposits, digital payment and transfer functionality, identity based compliance controls, and interoperability across multiple financial institutions, wallets and applications; Providing temporary use of on-line non-downloadable computer software for use as a digital wallet; Providing temporary use of online non-downloadable software for processing electronic payments; Electronic signature verification services using technology to authenticate user identity