The Community Builder exists out of two major parts:

1. Community Builder Interaction:
     a. Member access profiles and Member marketing profiles
     b. Content Management Functions
     c. Web site Management Functions
     d. E-Commerce Toolkit
     e. Member communication functions
2. Community Builder Transactions:
    a. Community Financial Services
         i. Community Pockets
         ii. Community Wallets
         iii. Money savings
         iv. Loyalty points savings
    b. Financial transaction profiles of customers and members
    c. Banking Services
        i. Payment accounts
        ii. Loans
        iii. Savings and deposit accounts
        iv. Investment portfolios
        v. Share transactions
        vi. Card services
    d. Commercial Service Offerings (transaction interfaces)
    e. General Ledger and account administration
    f. Clearing and Settlement
    g. Real Time Transaction Services
    h. Community Cash flow and Positioning (Treasury  Functions)

Based on the needed functionalities, these are divided/shared among the:
- Bank License Holder (BLH).
- Internet Payment Provider (IPP)
- Virtual Community Owner (VCO)
- Labels (loyalty and labeled infinity programs)
- Merchants
- Members