Online financial accounts could reproduce at their owner's command -- and inherit content, options, security, and other setup. Financial accounts holding real money will have ancestors, descendants, and family trees – and will evolve. One application: "smart URLs" will circulate indefinitely, letting sponsors/advertisers to buy thousands or any number of prepaid downloads of a song, video, or other content, and optionally include their own message. Then end users can click to download free -- immediately paying the artists by the act of free downloading itself.