Abstract: A system and method for allowing simplified electronic transfer of funds in files subject to sender-defined access constraints. In one aspect of the system and method, a digital currency file is transmitted as an attachment to an electronic message. The sender of the digital currency file defines the level of security associated with the file, i.e., what the recipient must provide to access the funds.

Abstract: Systems and methods employable, for example, in the handling of various electronically-dispatched messages, fiber-optic or light based messages, wireless based messages, and/or the like. According to various such systems and methods, in the case where a dispatched message is, for instance, found to be inadequate, undesirable, and/or not wanted or the like in some way, an entity receiving the message and/or one or more entities associated with the recipient entity may, for example, come to possess all or some of funds required by network rules, database rules, file based rules, message based rules, in memory based rules, computer program based rules and/or the like to be made available for possession by the sender (either directly or indirectly) of the message in association with the message.