Enterprise access layers with private and public append-only data structures

A system comprising:

• a network access layer including a processor and storage hardware in communication with the processor, wherein the storage hardware includes instructions that when executed by the processor perform operations, and wherein the operations include:
• receiving, at a network access layer, an asset request from a requesting entity, wherein the asset request indicates an asset available in a digital wallet system associated with the network access layer, wherein the network access layer corresponds to a client-facing intelligence system that hosts exchangeable digital assets, and wherein the exchangeable digital assets correspond to one or more assets stored in a private append-only data structure associated with an owner of the exchangeable digital assets;
• identifying an asset control associated with the asset indicated by the asset request, wherein the asset control is configured by a permissions system of the network access layer and indicates a control parameter determined by an intelligence system of the network access layer;
• determining whether the asset control is satisfied by at least one of the asset request or the requesting entity;
• and
• in response to the asset control being satisfied by the at least one of the asset request or the requesting entity, facilitating fulfillment of the asset request including storing the asset in a public append-only data structure to represent an exchange of the asset with the requesting entity.