Dynamic off-chain digital currency transaction processing

A method comprising:

• establishing, using a communication interface of a first device, secure communication with a second device;
• receiving, at the first device, a payment transaction from the second device, the payment transaction including payment information corresponding to off-chain asset data stored in a memory of the second device and including associated data;
• determining, using the first device, a settlement model from a plurality of settlement models based on the payment information, wherein the determined settlement model comprises a set of rules for determining the payment transaction is valid based on the associated data;
• determining, using the determined settlement model, that the payment information corresponds to a blockchain asset in a blockchain;
• and
• adjusting a value of off-chain asset data stored in a memory of the first device based on the payment information.

A device comprising:

• a communication interface;
• one or more memory devices to store off-chain asset data, a plurality of settlement models, and processor-executable instructions, the off-chain asset data including blockchain data downloaded from a blockchain asset in a blockchain;
• and
• one or more processors to execute the processor-executable instructions to:
• receive, from a second device via the communication interface, a payment transaction including payment information corresponding to off-chain asset data stored by the second device;
• determine a settlement model from the plurality of settlement models based on the payment information, the determined settlement model defining a set of rules to verify the payment transaction without committing the payment transaction to the blockchain;
• determine the payment information is valid using the determined settlement model;
• and
• adjust a value of the off-chain asset data stored in the one or more memory devices based on the payment information in response to verification of the payment information.