PH addresses basic coordination issues among payment processors, gateways, and financial institutions by developing a new generation of payment services. The payment service supports conversion between currency and asset types. Through the PH network and electronic wallet, end users can flexibly complete payment, remittance, financial management, consumption, salary storage, B2B business, supply chain financing, credit system, asset management and trade, and a variety of on-demand financial services. Specifically, rapid movement of funds at home and abroad, secure ledger tracking assets in departments of large organizations, credit score systems for brand alliances, and digital gift CARDS to networks that support multiple wallet vendors