Abstract: Generation of dynamic electronic representations using modeling is described. Interaction data comprising attributes of one or more interactions between a user and the service provider or one or more third-party services integrated with the service provider is received. A model is executed to dynamically generate an electronic representation for a user profile based upon the interaction data, wherein the model is trained using attributes associated with a set of existing user profiles associated with the service provider and corresponding interaction data indicative of interaction data of the set of existing user profiles, and wherein the electronic representation is generated without input from the user. The electronic representation can be presented on an electronic device.

Abstract: Generation of dynamic electronic representations using modeling is described. Interaction data comprising attributes of one or more interactions between a user and the service provider or one or more third-party services integrated with the service provider is received. A model is executed to dynamically generate an electronic representation for a user profile based upon the interaction data, wherein the model is trained using attributes associated with a set of existing user profiles associated with the service provider and corresponding interaction data indicative of interaction data of the set of existing user profiles, and wherein the electronic representation is generated without input from the user. The electronic representation can be presented on an electronic device.

Abstract: Contextual data transfers are described herein. A payment service maintains an account for a user, wherein the account is associated with balance(s) associated with currency(s), wherein each balance is associated with a different currency. The payment service receives a payment request associated with a transaction between the user and another user. The payment request identifies an account of the user as a source of payment for the transaction and an amount of the transaction in an indicated currency. The payment service dynamically determines currency(s) for settling a payment associated with the transaction. The payment service converts a portion of a balance, associated with a particular currency, to the indicated currency and processes the transaction by transferring the converted assets to the other account associated with the other user. In some examples, a digital asset such as stablecoin can be used to facilitate the conversion from the particular currency to the indicated currency.

Abstract: Techniques for allocating investment deposits are described. A user can request that investment deposits to an existing account be allocated between investment accounts associated with the user's investment portfolio. The investment accounts can be of different asset classes (e.g., cryptocurrency, securities, commercial paper, fiat currency, non-fiat currency, etc.). The particular allocation amounts and/or percentages can be based on a machine-trained model.

Abstract: In one embodiment, techniques include storing indications of unique identifiers used by users of service providers that are part of a federated system. Each of the unique identifiers is associated with only one user. A computing system of a first service provider receives an intent to register a unique identifier with the first service provider. The computing system determines availability of the unique identifier based on determining whether the unique identifier is associated with another user in the data store. Based at least in part on the determination that the unique identifier is available, the computing system maps, in the data store, the unique identifier with an account of the user associated with each service provider that is part of the federated system. Subsequent to the mapping, the unique identifier is usable as a proxy in lieu of personal data associated with the user on each service provider.

Abstract: Techniques for integrating a payment processing platform (PPP) and a payment making platform (PMP) for differentiated payment allocations using cryptocurrency is described. The PPP can receive a request to receive funds in cryptocurrency, wherein the funds are associated with transaction(s) conducted via point-of-sale (POS) software provided by the PPP. Based on the request, a cryptocurrency wallet account for the merchant can be accessed via the PMP. The PPP can associate a merchant account of the merchant with the cryptocurrency wallet account. The PPP can receive, via the POS software associated with the merchant, payment authorization request(s) associated with the transaction(s) and cause (i) a first portion of the funds to be deposited as cryptocurrency into the cryptocurrency wallet account and (ii) a second portion of the funds to be deposited as fiat currency into the merchant account.

Abstract: Techniques for integrating a payment processing platform (PPP) and a payment making platform (PMP) for differentiated payment allocations using cryptocurrency is described. In response to an indication to allocate a first portion of funds generated from payment received for transaction(s) processed by the PPP to a cryptocurrency wallet account for a user, the PMP can receive a request for first account information associated with the cryptocurrency wallet account. The PMP can send the first account information to the PPP, wherein the first account information is associated with second account information of a merchant account of the user. The PMP can receive, from the PPP, a request to deposit a first portion of the funds into the cryptocurrency wallet account, wherein a second portion of funds is retained by the PPP for deposit into the merchant account as fiat currency.

Abstract: Techniques for integrating a payment processing platform (PPP) and a payment making platform (PMP) for differentiated payment allocations using cryptocurrency is described. The PPP can receive a request to receive funds in cryptocurrency, wherein the funds are associated with transaction(s) conducted via point-of-sale (POS) software provided by the PPP. Based on the request, a cryptocurrency wallet account for the merchant can be accessed via the PMP. The PPP can associate a merchant account of the merchant with the cryptocurrency wallet account. The PPP can receive, via the POS software associated with the merchant, payment authorization request(s) associated with the transaction(s) and cause (i) a first portion of the funds to be deposited as cryptocurrency into the cryptocurrency wallet account and (ii) a second portion of the funds to be deposited as fiat currency into the merchant account.