Abstract: This disclosure allows parties to virtualize prospective and existing financial instruments (including derivative and other analogous complex financial instruments) and other data set into one or more computer software applications via a user authoring software toolkit, and to upload such one or more virtualized instrument to a cloud hosting environment (or analogous online storage ecosystem) for further sharing of such virtualized instruments with interested parties over a communications network where other market participants may engage with the cloud hosting environment and search for, download, and review such virtualized instruments. Further, the Disclosure allows for downloading parties and authors to communicate directly and to do such “peer to peer” communications on an anonymous, partially anonymous, or non-anonymous basis, and have such communications be secure and/or encrypted.