Abstract: A revenue-producing debit card system and method for users who have bank accounts includes a trust account and plural debit cards. Each debit card is linked to a trust account that allows overnight balances to be invested at a profit for the benefit of the account holder. The system also includes a link between a bank account of a user, a debit card of the user, and the trust account, so that the debit card is linked to a bank account that is a pass-through, net zero balance bank account. The trust account includes a trust sub-account of the user, and the cash balance required to settle card transactions of the user is each time transferred from the trust sub-account of the user. The bank account of the system is used only to book a simultaneous debit and credit for the bank account each time the debit card is used by the user at a remote merchant location, and to report card activity usage. The method also creates a legal structure (e.g.

Abstract: A multi-participant financial transaction with no downside risks that results in a net profit for all participants when the transaction is accomplished according to certain required steps, including the step of having simultaneously closings in escrow. A multi-step approach to issuing and selling custom-designed, specially engineered and underwritten securities or bank instruments is also described.

Abstract: A system, method and strategy of investment can be executed in any currency and amount and, when constructed, can be executed and closed in certain steps to result in a pre-defined, guaranteed and quantifiable level of profitability for an investment without risk that the principal investment amount will be lost or depleted. The system, method and strategy also simultaneously guarantees the following results for all other transaction participants: (a) a pre-defined level of profit for the Investor and/or his Asset Manager (“Manager”) and the lender for the refinancing or discounting; (b) an option to call which when executed by the original issuer of the instruments will result in a profit for the original issuer (e.g.