This book constitutes the thoroughly refereed post-conference proceedings of the Third International Conference on Financial Cryptography, FC'99, held in Anguilla, British West Indies in February 1999. The 19 revised full papers presented were carefully reviewed for inclusion in the book. The papers are organized in sections on electronic commerce, anonymity control, fraud management, public-key certificates, steganography, content distribution, anonymity mechanisms, auctions and markets, and distributed cryptography.