Digital currency systems form the triumvirate nexus of government policies, money, andtechnology. Each has a global reach and responds to the needs of business and consumers. E-commerce depends on private and government financial institutions to enable paymenttransactions; the basis of e-commerce. As the United States financial crisis continues B2Benterprises may need to abandon traditional payment transaction systems and look toalternatives, in the form of Web based digital currency systems accessed via the Internet. Thevarious types of digital currency systems generally fit into five categories: Barter ExchangeSoftware Systems, Non-Bank Digital Currency Payment Systems, Digital Precious MetalSystems, Online Value Transfer Software Systems, and Online Stored Value TransactionSoftware Systems. Digital currency systems are not online banking. Digital currency systems useprivate electronic monies: electronic tokens, barter-exchange currencies, digital cash, and storedvalue e-cash vouchers. We explore the history of money against a backdrop of banking andgovernment policies that cause cyclic monetary crisis’s, how these current digital systemsoperate, how business can thereby benefit in their use, and why digital currency systems are suchan underutilized service in the United States.