Abstract: Systems and methods move money from a crypto currency to a fiat currency in real-time using a mobile wallet or debit card to allow a customer to use the funds instantly. The process for such movement of money is secured using distributed ledger technology and smart contract services. The funds are available to the customer in real-time and the customer is able to use those funds substantially anywhere credit cards are accepted and at substantially any automatic teller machine (ATM). A multi-layered distributed ledger and reconciliation method may be used as a transaction settlement system. The multi-tiered authentication and distributed identification method may be used to prevent fraud and theft. A retail transactional value of a portfolio of digital currencies may be determined by taking into account asset market liquidity and volatility.