Abstract: A system architecture for a distributed multi user application requiring concurrent data transactions comprising in a modular networked system of servers and of network services: a plurality of application servers providing execution of services based on data from multiple users, a service comprising one or more processing tasks applicable to data not tied to the service; one or more load balancing servers; a network connection connecting application and load-balancing servers; and one or more load balancing expert systems having access to a register of servers and a register of users, operable to monitor application server load and division of services on individual application servers and direct transfer of services between servers in order to: (i) facilitate and simplify calculations requiring data access and/or transfers; and (ii) to distribute server load to meet capacity of any given application server; a method for hosting or using a massively multi-user application; and related aspects therefor and