A computer-implemented payment and banking system, includes a gateway microservice system comprising proxying, authenticating, logging, routing, and monitoring functionality for managing systems, requests, and responses, enabling the orchestration of communication between a plurality of upstream and downstream systems, an open and/or core banking system enabling functionality comprising authentication, transmission, and receipt of data and/or transactions between a plurality of upstream and downstream systems, an account management system synchronized with the open and/or core banking system facilitating actions comprising buying, selling, transferring, depositing, withdrawing, and exchanging of fungible assets, and a data storage system for storing, retrieving, updating, and synchronizing data.