Abstract: A cloud-based service is provided that receives conditions for obtaining an object of value from an enterprise. A blockchain-based media of value is created on a blockchain for the object of value. A smart contract is generated an initiated on the blockchain to enforce the conditions with control over the blockchain-based media of value. When a customer provides actions or information that satisfies the conditions to the smart contract the smart contract returns the blockchain-based media of value to a customer wallet. The customer exchanges the blockchain-based media of value for the object of value from the enterprise. In an embodiment, the blockchain-based media of value is a non-fungible token (NFT).

Abstract: A Financial Institution (FI) funds a FI wallet with government-backed currency. The currency is transferred to an equivalent amount of United Stated Dollar (USD) coins. A customer of the bank utilizes an enhanced application (app) that permits value transfers between or associated with Centralized Financial (CeFi) services and Decentralized Financial (DeFi) services using the government-backed currency in the USD coins held by a cloud service and a cryptocurrency wallet held by the cloud service on behalf of the customer for value transfers associated with the DeFi services. Value transfers into and out of the cryptocurrency wallet is managed between interaction of the enhanced app, the cloud service, and the DeFi services. Value transfers into and out of the FI wallet is managed between interaction of the FI, the enhanced app, and the cloud service.

Abstract: A cloud-based service creates and maintains custodial digital wallets for parties to value transfers. Each wallet funded by the corresponding party with cryptocurrency and/or a fiat currency. The cloud-based service provides value transfers between two parties having custodial wallets without any on-chain blockchain operations making such transfers nearly instantaneous. The cloud-based service also provides transfers between one party with a custodial wallet and another party without a custodial wallet by using a liquidity wallet and/or a liquidity account to perform the transfers nearly instantaneously and by initiating any needed blockchain operations on the blockchain to properly reflect any debit or redemption made from the liquidity wallet on the blockchain.

Abstract: When a consumer checkouts out, the transaction interface presents a buy now pay later option selected by the consumer for payment of a transaction. Consumer information is collected through the interface and a registered financial institution (FI) is presented the transaction details and information for servicing a loan. Terms are provided from the FI and presented to the consumer through the interface. Acceptance by the consumer causes a smart contract with the terms and parties of the loan to be generated in a blockchain (BC) and payment processed by the BC by transferring funds from a FI wallet to a retailer wallet associated with the transaction.

Abstract: A consumer obtains a consent credential for a given retailer. The consent credential identifies receipt data, which the consumer is authorizing the retailer to obtain. A consumer engages in a wallet-to-wallet transaction with a retailer utilizing Decentralized Identifiers (DIDs) for the wallets of the consumer and the retailer. Receipt data is produced by a payment service on behalf of the retailer, the receipt data is signed by an issuing authority associated with the retailer and delivered as a receipt credential to the consumer. The receipt data is not maintained by the payment service nor the retailer. The retailer requests the receipt data after from the consumer after payment is processed for the transaction by the payment service. The consumer authorizes the request or denies the request, when authorized the receipt credential and corresponding authorized portions of the receipt data are provided from the consumer to the retailer.

Abstract: Centralized Financial (CeFi) services of a Financial Institution (FI) application (app) is enhanced such that the customer can access Decentralized Financial (DeFi) services via the app utilizing a cloud service. The customer preregistered Personal Identification Information (PII) with a Self-Sovereign Identity (SII) provider. When a customer attempts to access a DeFi service, the cloud service intervenes and establishes a Decentralized Identity (DID) based connection between a wallet of the customer and a wallet of the FI through the provider. The FI challenges the identity of the customer and requests that a portion of the PII be shared for Know Your Customer (KYC) requirements, the customer shares, and the SII provides a certification and the portion of the PII back to the FI. The FI stores the certification in a customer record as evidence that KYC requirements were satisfied before the customer accesses the DeFi service from the FI's app.

Abstract: A customer engages a Financial Institution (FI) for access to an account or a service associated with the account of the customer over a first channel of communication. A decentralized identifier (DID) connection is established between a FI wallet and a Self-Sovereign Identity (SSI)-enabled customer wallet. A structured message that is cryptographically signed is sent from the FI wallet to the customer wallet over a secure channel of communication. The message requests authorization of the customer or requests specific Personal Identifiable Information (PII) of the customer. The customer responds via the customer wallet and a second structured message is cryptographically signed and sent to the FI wallet over the secure channel of communication. When the second structured message is authenticated by the FI, the customer is approved for access to the account or approved for access to the service over the first channel of communication.

Abstract: A consumer obtains a consent credential for a given retailer. The consent credential identifies receipt data, which the consumer is authorizing the retailer to obtain. A consumer engages in a wallet-to-wallet transaction with a retailer utilizing Decentralized Identifiers (DIDs) for the wallets of the consumer and the retailer. Receipt data is produced by a payment service on behalf of the retailer, the receipt data is signed by an issuing authority associated with the retailer and delivered as a receipt credential to the consumer. The receipt data is not maintained by the payment service nor the retailer. The retailer requests the receipt data after from the consumer after payment is processed for the transaction by the payment service. The consumer authorizes the request or denies the request, when authorized the receipt credential and corresponding authorized portions of the receipt data are provided from the consumer to the retailer.