Skillzer-brand discovery platform for matching consumers with subject matter experts for scheduled or ad hoc videochat sessions: pro bono and/or fee-based. Find experts and consider their experience, credentials, and cumulative ratings by other consumers. Schedule a videochat appointment at a mutually convenient time, or find an expert currently online and available to help. Engage in a one-on-one direct interview with informational give-and-take -- the most efficient way for humans to learn. After the session, rate the other person and add a review via text, audio, or video. Planned integration with bitcoin, ripple XRP, etc. for expedited payment-for-services directly to those experts who charge for knowledge services and who have accounts at a participating credit union. The Company has rights of first refusal on patents pending for matching algorithms that pair parties for free-or-fee videochat sessions on a wide range of subjects of interest.