This document discloses systems and methods for commerce and value exchange between buyers and sellers with one
user interface system that works across multiple
payment rails, multiple channels, and multiple devices to facilitate more seamless and trusted interactions and transactions. A
Software-as-a-Service (SaaS) financial
ecosystem running in parallel to, and in some cases interacting with, traditional
payment and e-commerce systems, leverages multiple
payment environments using digital representations of value exchange managed and accounted for via a
system of one or more Ledgers. Features include a new type of digital Wallet with associated companion cloud-based participant accounts and associated multiple payment rails or networks and methods for transactions, closed and open loop
processing systems comprised of, in part, a comprehensive digital Ledger
system, dynamic front end exposed via web services, multiple systems that manage users, roles, transactions,
processing, and security including an automated Rules Engine and associated processes that manage system fidelity and system participation as a
black box entity in the larger global commerce and banking ecosystems.