Adaptive intelligence and shared infrastructure lending transaction enablement platform responsive to crowd sourced information

A system for monitoring an asset used as collateral for a loan, the system comprising:

• a set of sensors located within sensor range of the asset, wherein the sensors are configured to transmit sensor data streams through a distributed IOT network;
• a data processing system configured to:
• receive the sensor data streams from the set of sensors, wherein the sensor data streams comprise at least one of quality data, physical condition data, location data, usage data, or maintenance data for the asset;
• process the sensor data streams to generate machine learning inputs, wherein the processing comprises aggregating data extracted from the sensor data streams;
• process the machine learning inputs using a machine learning classifier that generates an output indicating a condition of the asset, wherein the system trains the machine learning classifier to recognize a condition of the asset using a training set of machine learning inputs and actual outcomes, wherein the training comprises iteratively updating parameters of the machine learning classifier based on comparing predicted conditions to the actual outcomes;
• and
• a loan management system configured to:
• automatically determine whether the asset satisfies a threshold indicating a minimum collateral value for the loan based on the output indicating the condition of the asset;
• and
• upon determining that the asset does not satisfy the threshold indicating a minimum collateral value for the loan:
• automatically modify a data structure containing terms of the loan to indicate a foreclosure status;
• record the modified data structure containing the terms of the loan in a distributed database;
• and
• list the asset for sale on an electronic marketplace at a sale price that is based on the condition of the asset.