Blockchain based loan securitization
Examples described herein relate to systems, apparatuses, and methods for generating a securitized loan blockchain, including providing at least one security criterion, identifying at least one loan block of a loan blockchain that satisfies the security criterion, where the loan blockchain corresponds to at least one loan, and the security criterion is associated with the at least one loan block and a dynamic financial profile of a borrower of the at least one loan, and generating a security blockchain including at least a first security block, where the first security block is associated with a loan link identifier object that identifies the loan block of the loan blockchain.
1. A method for generating a securitized loan blockchain, comprising:
identifying, by a processor, at least one loan block of a loan blockchain that includes a financial profile link identifier object wherein the loan blockchain corresponds to at least one loan, the loan block and a dynamic financial profile linked with the financial profile link identifier object and corresponding to a borrower of the at least one loan, the dynamic financial profile maintaining up-to-date information about the borrower;
obtaining, by the processor, a security blockchain different from the loan blockchain, the security blockchain including at least a first security block, the first security block associated with a loan link identifier object that identifies the loan block of the loan blockchain;
monitoring, by the processor, the loan blockchain in real-time by interrogating the dynamic financial profile for information about the loan blockchain using a corresponding one of the loan link identifier object and the financial profile link identifier object;
validating, by the processor, a relationship between the security blockchain and a second security blockchain, the relationship corresponding to an indicator stored at the first security block; and
moving, by the processor, in response to the validation of the indicator at the first security block, the loan blockchain from the security blockchain to the second security blockchain.
2. The method of claim 1 , further comprising:
the monitoring the loan blockchain in real-time using a corresponding one of the loan link identifier object and the financial profile link identifier object.
3. The method of claim 1 , wherein a security criterion is associated with the loan block and the dynamic financial profile linked with the financial profile link identifier object and corresponding to the borrower of the at least one loan.
4. The method of claim 3 , further comprising:
obtaining, in response to a query associated with the security criterion, at least one loan list object including the loan block and associated with the dynamic financial profile.
5. The method of claim 3 , further comprising:
searching the loan blockchain based on the security criterion.
6. The method of claim 5 , further comprising:
modifying a first scope of the searching in accordance with one or more transparency parameters, the first scope being based on the search query; and
modifying a second scope of the searching in accordance with at least one modifying criterion, the second scope being based on the first scope.
7. The method of claim 6 , wherein the modifying criterion comprises at least one of a token, a digital signature, a public/private key, and a biometric electronic signature token.
8. The method of claim 3 , wherein the security criterion comprise one or more of a type of loan, a loan amount, a loan term, and a risk threshold factor.
9. The method of claim 1 , further comprising:
interrogating the loan blockchain for information stored in the dynamic financial profile and associated with the borrower.
10. A loan marketplace server, comprising:
a network interface;
a dynamic financial profile database storing a dynamic financial profile of a borrower of at least one loan; and
a processing circuit configured to:
identify at least one loan block of a loan blockchain that includes a financial profile link identifier object wherein the loan blockchain corresponds to at least one loan, the loan block and a dynamic financial profile linked with the financial profile link identifier object and corresponding to a borrower of the at least one loan, the dynamic financial profile maintaining up-to-date information about the borrower;
obtain a security blockchain different from the loan blockchain, the security blockchain including at least a first security block, the first security block associated with a loan link identifier object that identifies the loan block of the loan blockchain;
monitor the loan blockchain in real-time by interrogating the dynamic financial profile for information about the loan blockchain using a corresponding one of the loan link identifier object and the financial profile link identifier object;
validate a relationship between the security blockchain and a second security blockchain, the relationship corresponding to an indicator stored at the first security block; and
move, in response to the validation of the indicator at the first security block, the loan blockchain from the security blockchain to the second security blockchain.
11. The loan marketplace server of claim 10 , where the processing circuit is further configured to:
monitor the loan blockchain in real-time using a corresponding one of the loan link identifier object and the financial profile link identifier object.
12. The loan marketplace server of claim 10 , wherein a security criterion is associated with the loan block and the dynamic financial profile linked with the financial profile link identifier object and corresponding to the borrower of the at least one loan.
13. The loan marketplace server of claim 12 , where the processing circuit is further configured to:
obtain, in response to a query associated with the security criterion, at least one loan list object including the loan block and associated with the dynamic financial profile.
14. The loan marketplace server of claim 12 , where the processing circuit is further configured to:
search the loan blockchain based on the security criterion.
15. The loan marketplace server of claim 14 , where the processing circuit is further configured to:
modify a first scope of the searching in accordance with one or more transparency parameters, the first scope being based on the search query; and
modify a second scope of the searching in accordance with at least one modifying criterion, the second scope being based on the first scope.
16. The loan marketplace server of claim 15 , wherein the modifying criterion comprises at least one of a token, a digital signature, a public/private key, and a biometric electronic signature token.
17. The loan marketplace server of claim 12 , wherein the security criterion comprise one or more of a type of loan, a loan amount, a loan term, and a risk threshold factor.
18. The loan marketplace server of claim 10 , where the processing circuit is further configured to:
interrogate the loan blockchain for information stored in the dynamic financial profile and associated with the borrower.
19. A non-transitory computer readable medium including one or more instructions stored thereon and executable by a processor to:
identify, by the processor, at least one loan block of a loan blockchain that includes a financial profile link identifier object wherein the loan blockchain corresponds to at least one loan, the loan block and a dynamic financial profile linked with the financial profile link identifier object and corresponding to a borrower of the at least one loan, the dynamic financial profile maintaining up-to-date information about the borrower;
obtain, by the processor, a security blockchain different from the loan blockchain, the security blockchain including at least a first security block, the first security block associated with a loan link identifier object that identifies the loan block of the loan blockchain;
monitor, by the processor, the loan blockchain in real-time by interrogating the dynamic financial profile for information about the loan blockchain using a corresponding one of the loan link identifier object and the financial profile link identifier object;
validate, by the processor, a relationship between the security blockchain and a second security blockchain, the relationship corresponding to an indicator stored at the first security block; and
move, by the processor in response to the validation of the indicator at the first security block, the loan blockchain from the security blockchain to the second security blockchain.
20. The computer readable medium of claim 19 , wherein a security criterion is associated with the loan block and the dynamic financial profile linked with the financial profile link identifier object and corresponding to the borrower of the at least one loan.