Fecha de publicación: -- Fuente: Wipo "digitalization" Various embodiments are directed to processing and executing digital asset conversions for real-time funding of a merchant transaction involving an end user. The user may pre-select digital assets to be converted to fiat currency, and a pre-selected digital asset can be internally-custodied or externally-custodied. An example method includes retrieving a first account balance data object for a fiat currency account. The method further includes, responsive to a balance of the fiat currency user account not satisfying a fiat currency unit threshold of a merchant transaction: receiving a second account balance data object for a digital asset account in response to transmitting an account query, determining a conversion rate for a digital asset, and executing a digital asset conversion by causing a debit of digital asset units from the digital asset account via transmitting a conversion execution API query and by crediting fiat currency units to the fiat currency account.