Abstract: Present disclosure is directed to digital asset-class and digitalized cross asset-class product identification for onboarding processes in capital markets and front-to-back-office data management, valuation and risk management in financial markets and cryptocurrencies. Particular portions of the present disclosure are directed to a cryptographic currency protocol and to cryptocurrency that checks for identifiers and/or reference data, matches identifiers, reference data, price data, generates unique digital asset identifiers, valuations, risk exposures. The cryptographic-currency-protocol supports a virtual wallet that, in various embodiments, is a cross asset-class wallet for digital assets, token, cryptocurrency, smart contracts, smart legal contracts, digitalized assets, security and cash account for storing and managing the cryptographic currency and reference, price data, valuations and financial risk.