Digital asset payment network payment modes

1. A user computing device of a digital asset payment network, the user computing device comprises:

a display;

one or more scanning devices;

memory; and

a digital asset management unit coupled to the display and the memory, wherein the digital asset management unit includes:

a digital wallet; and

a scanning interface coupled to the one or more scanning devices, wherein one or more of the digital wallet and the scanning interface are operable to connect to a user digital asset payment interface, wherein the user digital asset payment interface interfaces with a digital asset payment computing entity of the digital asset payment network, wherein the digital asset payment computing entity facilitates a real-time digital asset-based payment from the user computing device paying with a digital asset to a merchant computing entity accepting a desired digital asset by:

executing a real-time digital asset-based payment process by:

locking an amount of network digital asset associated with the user computing device to back the real-time digital asset-based payment;

receiving the digital asset from the user computing device;

exchanging the digital asset for a substantially equivalent amount of the desired digital asset; and

sending the substantially equivalent amount of the desired digital asset to the merchant computing entity to complete the real-time digital asset-based payment; and

executing a nonreal-time digital asset-based payment process by implementing a verification process associated with the digital asset to verify the digital asset; and

when the amount of digital asset from the user computing device is verified by the verification process:

unlocking the amount of the network digital asset; and

when the amount of digital asset from the user computing device is not verified by the verification process:

consuming the amount of the network digital asset; and

wherein the user digital asset payment interface includes:

a scannable code module coupled to the scanning interface, wherein the scannable code module is operable to:

obtain a user authorization scannable code from the digital asset payment computing entity for display to the merchant computing entity, wherein the user authorization scannable code is representative of digital asset-based payment authorization information associated with the real-time digital asset-based payment; or

scan a scannable charge code presented by the merchant computing entity, wherein the scannable charge code is representative of the digital asset-based payment authorization information associated with the real-time digital asset-based payment.

2. The user computing device of claim 1 , wherein the one or more scanning devices include at least one of:

a camera;

a video device; and

a barcode scanner.

3. The user computing device of claim 1 , wherein one or more of the user authorization scannable code and the scannable charge code comprises one or more of:

a one-dimensional barcode;

a two-dimensional barcode;

an alpha-numeric sequence; and

a graphical code.

4. The user computing device of claim 1 , wherein the digital asset-based payment authorization information associated with the real-time digital asset-based payment includes one or more of:

a payment amount limit;

an expiration time of the scannable code;

a merchant identifier (ID) associated with the merchant computing entity;

customer loyalty information;

shipping information;

discount information;

a user computing device ID associated with the user computing device;

a payment amount of the real-time digital asset-based payment;

user computing device metadata; and

merchant computing entity metadata.

5. The user computing device of claim 1 , wherein the scannable code module is further operable to:

interpret scanned scannable code information from the scannable charge code; and

display interpreted scanned scannable code information on the display.

6. The user computing device of claim 1 , wherein the user digital asset payment interface further includes:

a digital wallet module coupled to the digital wallet operable to display digital asset payment network rate quotes for digital assets stored in the digital wallet;

a merchant selection module operable to display one or more merchants associated with the digital asset payment network;

a payment confirmation module;

an after-payment module; and

a security module.