Abstract: Systems, methods, and storage media for settling transaction payments by linking third-party financial accounts to user profiles, issuing payment cards to users, and facilitating real-time physical and virtual payments to vendors. The user profiles display available assets for purchase by the users who submit requests to execute physical or virtual transactions. Once the request is submitted, the user's device will display a timestamped notification indicating their currently held assets, their respective account balances for at least one of their third-party financial accounts, or a combination thereof. Users can sell assets, withdraw funds from at least one of their third-party financial accounts, be connected to third-party brokers or third-party cryptocurrency exchanges, and exchange assets to fund their purchases.