Systems and methods for managing debt portfolios and obligation portfolios

A method comprising:

• generating a first smart contract corresponding to a debt portfolio comprising a plurality of debts, the first smart contract generating a virtual network layer and a virtual ledger;
• storing the first smart contract in the virtual ledger on the virtual network layer;
• activating, based on self-executing functions of the first smart contract, a first bot to determine whether each debt in the debt portfolio and an owner of the debt portfolio are compliant with regulations corresponding to the respective debt;
• activating, based on the self-executing functions of the first smart contract, a second bot to determine a predicted valuation for the debt portfolio;
• and
• after confirming, by the first bot, that the debt portfolio is compliant with the regulations, and confirming, by the second bot, that the predicted valuation is sufficient for the first smart contract, executing the first smart contract.