Tokenized collateral pledge and release
Lock a tokenized asset as collateral, calculate haircut and credit value, monitor margin, and release only when control and commercial records agree.
Overview
A borrower pledges a tokenized asset so a bank can lend against it. The route proves control, value, haircut, credit limit, margin status, fees, and release conditions.
Use this when a borrower pledges a tokenized asset as collateral and the bank must prove control, value, haircut, financing economics, margin state, and release conditions.
Route coverage
- Checks asset class, owner, custody venue, transfer limits, valuation source, and lender eligibility
- Records pledge, lien or control state, custodian acknowledgement, freeze reference, and release permissions
- Calculates market value, haircut, lendable value, interest, spread, pledge fee, and custody charges
- Monitors valuation drift, margin calls, substitutions, financing accruals, and release conditions
- Releases pledge only after repayment, expiry, fees, interest, custody rows, and proof records match
Infrastructure
- Collateral owner, secured lender, custodian, valuation agent, and control agent stay explicit
- Market value, haircut, lendable value, interest, spread, custody fee, pledge fee, and release fee are visible
- Control state, margin trigger, substitution queue, and release permission stay on the same record
- The case makes tokenized collateral usable without pretending token possession alone proves lender control
Lifecycle stages
| Stage | Flow steps |
|---|---|
| Client Pledge Request | Capture borrower, facility, tokenized asset, custody account, requested lendable value, and cost preview before eligibility; Show pledge request reference, borrower facility, custody account, and pledge fee preview |
| Collateral Eligibility | Check asset class, owner, custody venue, transfer limits, valuation source, and lender eligibility; Show eligibility fee, collateral value, rule hits, and accepted asset status |
| Pledge Lock | Record pledge, lien or control state, custodian acknowledgement, freeze reference, and release permissions; Show pledge setup fee, custodian control charge, freeze reference, and lender acknowledgement |
| Credit Capacity | Calculate market value, haircut, lendable value, interest, spread, pledge fee, and custody/control charges; Show haircut, credit limit, interest accrual, bank spread, custody fee, and pledge fee |
| Margin Monitoring | Monitor valuation drift, margin calls, substitutions, financing accruals, and release triggers; Show margin headroom, call threshold, accrued interest, monitor fee, and substitution value |
| Release Close | Release pledge only after lender conditions, repayment or expiry, fees, interest, and proof records match; Close with release proof, final interest, custody fee, release charge, and collateral return state |