Abstract
The present disclosure relates to blockchain-based financial technology, in particular to systems and methods for utilizing a modified blockchain-based token within a tokenized asset platform, in accordance with an enhanced ERC-3643 tokenization standard to enable permissioned interaction and interoperability of the modified token with pre-existing blockchain-based lending protocols. A tokenized asset platform system (TAPS) communicates with one or more commercial financial institutions via APIs to execute processes including customer onboarding, wallet generation, token creation and token minting, burning and transfer. TAPS employs permissioned token standards such as ERC3643 in conjunction with fiat-backed stablecoins to enable regulatory compliance, secure identity management and one-to-one fiat-to-token backing. TAPS further orchestrates automated lending, repayment and settlement processes via smart contracts enabling secure, auditable and compliant execution of lending transactions from token creation to final settlement on the payment network’s infrastructure.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
Smith, Stuart; Zamani, Mahdi; Gu, Wanyun; Lopez, Eduardo J.; and Khan, Muhammad B., "Blockchain-Based Tokenized Asset Platform", Technical Disclosure Commons, (October 10, 2025)
https://www.tdcommons.org/dpubs_series/8700