System that varies the terms and conditions of a subsidized loan

A system, comprising:

• a blockchain service circuit structured to:
• interpret a plurality of access control features corresponding to a plurality of parties associated with a loan;
• a data collection circuit structured to:
• interpret entity information corresponding to a plurality of entities related to a lending transaction corresponding to the loan, at least one of the plurality of entities comprising an item of collateral;
• and
• receive sensor data collected by a mobile data collector monitoring the item of collateral, the mobile data collector comprising at least one of a drone or a mobile robot;
• an artificial intelligence circuit comprising:
• a smart contract circuit, implemented by a processor, structured to:
• receive the entity information from the data collection circuit;
• specify loan terms and conditions relating to the loan;
• and
• a loan management circuit, implemented by a processor, structured to:
• interpret loan-related events in response to the entity information, the plurality of access control features, and the loan terms and conditions, the loan-related events being associated with the loan;
• maintain a training data set for the artificial intelligence circuit comprising feedback data of outcomes of success comprising a determination of a pattern of prices or value of the item of collateral over time in response to the loan-related events, based on the sensor data collected by the mobile data collector monitoring the item of collateral;
• and
• iteratively train the artificial intelligence circuit, using the training data set, to determine a route of travel for the mobile data collector to monitor the item of collateral based on the feedback data of outcomes of success in response to the loan-related events;
• cause the mobile data collector to follow the determined route of travel to monitor the item of collateral;
• and
• automatically implement loan-related activities in response to the entity information, the plurality of access control features, and the loan terms and conditions, the loan-related activities being associated with the loan,
• wherein each of the blockchain service circuit, the data collection circuit, the smart contract circuit, and the loan management circuit further comprise a corresponding application programming interface (API) component structured to facilitate communication among the circuits of the system.