Abstract: In some aspects, the techniques described herein relate to a method including: aggregating data for use in an interoperable P2P application; transferring funds from a user's account associated with a first disparate P2P funding application to fund an account associated with the interoperable P2P application; transferring the funds from the account associated with the interoperable P2P application to an account associated with a second disparate P2P application; initiating a transfer of the funds from the user's account associated with a second disparate P2P application to a colleague's account associated with the second disparate P2P application; and recording transactions carried out by the interoperable P2P application in a ledger system associated with the interoperable P2P application.

Abstract: A combined day pack/travel pack which conveniently converts for use as a single combined unit, a dual combined unit in which the travel pack is worn on the user's back while the day pack rides against the user's front, or two separate units. When used as a single combined unit, the day pack is detachably fixed to the front side of the travel pack. When used as a dual combined unit, snap hooks mounted on the top of the day pack are detachably fixed to D-rings mounted on shoulder straps fixed to the travel pack, such that the user carries the travel pack on the back using the shoulder straps and the day pack is suspended in a position adjacent to the user's chest.