A method and apparatus is taught wherein a light smartcard may be utilized to make transactions so that a user only has to carry one card and not be encumbered with the multiple cards that now have to deal with. This is accomplished with a third party API service provider. This could also be thought of your own personal cloud that carries only your cards and only your information including virtual currencies as well. Now you only have to carry one and one card only. You can spend from any of your other accounts through this one card.