Systems and methods to process online monetary payments dependenton conditional triggers involving future events for online auctions and online trading exchanges involving stock exchange, commodity exchange, foreign exchange, sporting exchange, gaming exchange, file sharing exchange, andother types of online peer-to-peer exchange.

A system, to be comprised of software, that which is an online auction which communicates between an end-user(s) and a transaction server;

• using that which uses a bidding process, and processes online monetary payments between end-users via any available online payment processors;
• said bidding process is linked with online payment processors, so that bids or offers are backed by actual funds, held in reserve said payments of one or more end-users, to first consist of bids/offers in an online auction;
• said bids or offers to be backed by actual funds, held in reserve, or said bids or offers to be held in a queue;
• said bids/offers to involve conditional triggers on future events, such as winning bids/offers in an online auction;
• said bids/offers to be authorized as payment only upon finalization of an event, and determination of highest or a winning bid/offer;
• said bids/offers and payments to be optionally encrypted using digital certificates to authenticate each bid/offer and payment transaction.

A system, to be comprised of software, that which is an online trading exchange, and is either a stock exchange, commodity exchange, foreign exchange, sporting exchange, gaming exchange, file sharing exchange, or another person-to-person exchange, that which uses a bid/offer process, and processes online monetary payments between end-users via any available online payment processors, which is comprised of software that which communicates between an end-user(s) and a transaction server;

• said payments of one or more end-users, to first consist of bids/offers in an online trading exchange;
• said bids/offers to be backed by actual funds, held in reserve, or said bids/offers to be held in a queue;
• said bids/offers to involve conditional triggers on future events, such as winning bids/offers in an online trading exchange;
• said bids/offers to be authorized as payment only upon finalization of an event, and determination of highest or winning bid/offer;
• said payments from both the bid and offer parties to be sent to a temporary funds in a client-side application residing on each party's computer;
• said funds to be unavailable to either party until the end of the event;
• with determination of a winning side, payment to be instantly triggered, reversing the original payment made by the winning bid/offer party;
• said bids/offers and payments to be optionally encrypted using digital certificates to authenticate each bid/offer and payment transaction.