Systems and Methods for Commerce and Value Exchange Using Smart Ledgers Across Multiple Payment Rails and Multiple Channels

This document discloses systems and methods for commerce and value exchange between buyers and sellers with one user interface system that works across multiple payment rails, multiple channels, and multiple devices to facilitate more seamless and trusted interactions and transactions. A Software-as-a-Service (SaaS) financial ecosystem running in parallel to, and in some cases interacting with, traditional payment and e-commerce systems, leverages multiple payment environments using digital representations of value exchange managed and accounted for via a system of one or more Ledgers. Features include a new type of digital Wallet with associated companion cloud-based participant accounts and associated multiple payment rails or networks and methods for transactions, closed and open loop processing systems comprised of, in part, a comprehensive digital Ledger system, dynamic front end exposed via web services, multiple systems that manage users, roles, transactions, processing, and security including an automated Rules Engine and associated processes that manage system fidelity and system participation as a black box entity in the larger global commerce and banking ecosystems.