Systems, methods, and program products for providing interest on digital assets on a digital asset exchange

A system comprising:

• one or more processors;
• and
• non-transitory computer-readable media storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
• receiving, from a first customer device, a first request to transfer a first amount of a first digital asset from a first customer exchange account associated with a first customer to a first customer interest-bearing account associated with the first customer;
• transferring, utilizing a smart contract comprising computer-code configured to execute on multiple nodes of a decentralized computing network of a blockchain automatically upon satisfaction of a condition, the first amount of the first digital asset from the first customer exchange account to the first customer interest-bearing account, wherein the transferring includes:
• updating a first electronic exchange ledger to reflect transfer of the first amount of the first digital asset out of the first customer exchange account;
• updating a first electronic interest account ledger to reflect the transfer of the first amount of the first digital asset into the first customer interest-bearing account, wherein the first electronic interest account ledger is associated with the first digital asset and includes, for customers of a digital asset exchange, respective interest-bearing account information associated with a respective customer interest-bearing account;
• and
• generating a lending token associated with the first amount of the first digital asset;
• generating, by a destroy tokens component, instructions related to destroying the lending token, wherein the instructions indicate when and with what authority lending tokens are to be destroyed, wherein the authority includes an indication that the lending token is to be destroyed upon return of a given interest payment amount in exchange for lending of the digital asset;
• transferring, utilizing the smart contract, a second amount of the first digital asset from the first customer interest-bearing account to a customer intermediary account associated with the first customer and the first digital asset held by a first intermediary on behalf of the first customer, wherein the transferring incudes:
• updating the first electronic interest account ledger to reflect the transfer of the second amount of the first digital asset out of the first customer interest-bearing account;
• generating a first transfer message to transfer at least a portion of the second amount of the first digital asset;
• publishing, to a first peer-to-peer network, the first transfer message, wherein computer systems of first geographically distributed computer systems in a first peer-to-peer network implement instructions to transfer at least a portion of the second amount of the first digital asset from a first digital address to a second digital address;
• and
• updating an electronic intermediary ledger associated with the first intermediary, wherein the electronic intermediary ledger includes, for customers of the digital asset exchange, first respective intermediary account information associated with a respective customer intermediary account including a third respective digital asset balance indicating a fourth amount of the first digital asset held in the respective customer intermediary account and respective return information, wherein at least two of the first electronic exchange ledger, the first electronic interest account ledger and the electronic intermediary ledger are provided in at least two different databases;
• determining a first interest payment amount for the first customer based at least on interest information associated with the digital asset exchange;
• storing the first interest payment amount in the first electronic interest account ledger;
• confirming receipt of the first interest payment amount at the first digital address;
• destroying, utilizing the destroy tokens component and based at least in part on the instructions indicating the authority has been satisfied, the lending token in response to confirming receipt of the first interest payment amount at the first digital address, wherein destroying the lending token improves functioning of the blockchain and increases security of the blockchain;
• updating the electronic intermediary ledger to reflect the transfer of the first interest payment amount out of the first customer intermediary account;
• updating the first electronic interest account ledger to reflect receipt of the first interest payment amount into the first customer interest-bearing account;
• and
• transferring, utilizing the smart contract, the first interest payment amount from the first customer interest-bearing account to the first customer digital exchange account.

A method comprising:

• receiving, from a first customer device, a first request to transfer a first amount of a first digital asset from a first customer exchange account associated with a first customer to a first customer interest-bearing account associated with the first customer;
• updating a first electronic exchange ledger to reflect transfer of the first amount of the first digital asset out of the first customer exchange account;
• updating a first electronic interest account ledger to reflect the transfer of the first amount of the first digital asset into the first customer interest-bearing account, wherein the first electronic interest account ledger is associated with the first digital asset and includes, for customers of a digital asset exchange, respective interest-bearing account information associated with a respective customer interest-bearing account;
• transferring, utilizing a smart contract comprising computer-code configured to execute on multiple nodes of a decentralized computing network representing a blockchain automatically upon satisfaction of a condition, a second amount of the first digital asset from the first customer interest-bearing account to a customer intermediary account associated with the first customer and the first digital asset held by a first intermediary on behalf of the first customer, wherein the transferring incudes:
• updating the first electronic interest account ledger to reflect the transfer of a second amount of the first digital asset out of the first customer interest-bearing account;
• generating a first transfer message to transfer at least a portion of the second amount of the first digital asset;
• generating a lending token associated with the first amount of the first digital asset;
• generating, by a destroy tokens component, instructions related to destroying the lending token, wherein the instructions indicate when and with what authority lending tokens are to be destroyed, wherein the authority includes an indication that the lending token is to be destroyed upon return of a given interest payment amount in exchange for lending of the digital asset;
• publishing, to a first peer-to-peer network, the first transfer message, wherein computer systems of first geographically distributed computer systems in a first peer-to-peer network implement instructions to transfer at least a portion of the second amount of the first digital asset from a first digital address to a second digital address;
• and
• updating an electronic intermediary ledger associated with a first intermediary, wherein the electronic intermediary ledger includes, for customers of the digital asset exchange, first respective intermediary account information associated with a respective customer intermediary account including a third respective digital asset balance indicating a fourth amount of the first digital asset held in the respective customer intermediary account and respective return information;
• determining a first interest payment amount for the first customer based at least on interest information associated with the digital asset exchange, wherein the first interest payment amount is denominated in a second digital asset maintained on a second distributed public transaction ledger by second geographically distributed computer systems in a second peer-to-peer network;
• storing the first interest payment amount in the first electronic interest account ledger;
• updating the electronic intermediary ledger to reflect the transfer of the first interest payment amount out of the first customer intermediary account;
• updating the first electronic interest account ledger to reflect receipt of the first interest payment amount into the first customer interest-bearing account;
• destroying, utilizing the destroy tokens component and based at least in part on the instructions indicating the authority has been satisfied, the lending token in response to confirming receipt of the first interest payment amount at the first customer interest-bearing account, wherein destroying the lending token improves functioning of the blockchain and increases security of the blockchain;
• and
• transferring, utilizing the smart contract, the first interest payment amount from the first customer interest-bearing account to the first customer digital exchange account.