Alternative assets · made liquid
Hold the asset.
Move the capital.
BrightPathDigital Pro is a marketplace, a vault and a lending desk running on one double-entry ledger, so an asset can be listed, borrowed against or settled without ever leaving custody.
Journal · a collector’s book
BPD-000481
- Vault asset, Vault
- 120,000.00
- Cash, Cash
- 0.00
- Loan payable, Loan
- 0.00
- Owner equity, Equity
- 120,000.00
| Account | Debit | Credit |
|---|---|---|
| BPD-000481 · Asset received into custody, appraised | ||
| 1200 Vault asset | 120,000.00 | |
| 3100 Owner equity | 120,000.00 | |
Balanced120,000.00 / 120,000.00
Illustrative
Post an entry
3000Chart of accounts
Five capabilities, one book
Trading, custody, credit and settlement usually live in four different companies. Here they post to the same ledger, which is what makes moving between them fast rather than fraught.
- 1000MarketplaceList, bid on and settle alternative assets in a single book.
- 1200Asset managementHold assets in custody and see what they are worth without moving them.
- 1400LendingBorrow against a portfolio instead of selling it.
- 1900LiquidityTake cash out before a sale has finished settling.
- 3000Financial infrastructurePayments, balances and reconciliation, posted once and posted correctly.
Posting path
What happens to a dollar
Every movement follows the same route. The interesting engineering is in making each hand-off survive a retry, a timeout or two things happening at once.
- 01
Money movement
A customer pays in, draws down or gets paid out.
- 02
Double-entry ledger
The movement posts as a balanced entry.
- 03
Payments & banking
Providers execute the instruction.
- 04
Reconciliation
Provider statements are matched back to the book.
- 05
Lending
Collateral is assessed and credit is drawn.
- 06
Repayment
The loan winds down and collateral is released.
- 07
Customer balances
What the customer sees, derived from the book.
Controls
The properties we hold ourselves to
Custody and credit only work if the numbers are right every time. These are the guarantees the platform is built around.
| Property | What it means here |
|---|---|
| Transaction correctness | Every movement of money posts as a balanced pair, or it does not post. |
| Idempotency | The same instruction submitted twice moves money once. |
| Concurrency | Two things happening to one balance at once still produce one right answer. |
| Data consistency | What the customer sees and what the ledger holds are the same number. |
| Reconciliation | The internal ledger is checked against the bank, continuously. |
| Payment reliability | A provider having a bad day does not become a customer having a bad day. |
| Loan lifecycle | Origination through repayment and release, tracked as one object. |
Fintech, marketplace and lending, built for assets that were never meant to be liquid.
Tell us what you are holding.
Whether it is one asset or a portfolio, we will walk you through what custody, credit and settlement would look like for it.