A method including a system receiving, in real-time and through a computer network, a donation authorization from a donor via a donor user interface executed on a donor device of the donor. The donation authorization can comprise: a donation amount, a donor token for the donor, a donee first token for a donee, and/or donee information. The donor token can be uniquely associated with a donor account for the donor, and the donor account can be maintained by a sender financial institution. The donee first token can be uniquely associated with a donee account for the donee, and the donee account can be maintained by a receiver financial institution. The method further can include the system, after receiving the donation authorization, instructing or facilitating, in real-time and through the computer network, the receiver financial institution to post in real-time the donation amount to the donee account. Other embodiments are disclosed.