Spend Foundation develops open-source financial and educational software for Blockchain University, Cross Ledger and Spendcoin. Spendcoin is both an asset platform and a blockchain-based utility cryptocurrency. Spendcoin operates the Cross Ledger network and provides a full range of financial services, allowing global users to pay safely and easily from anywhere, allowing sellers and users to enjoy lower transaction fees than traditional payment platforms. Spendcoin also provides users with free access to usage and related information, and provides users with return services.