Fecha de publicación: -- Fuente: Wipo "digitalization" In embodiments of the present invention, methods are provided for receiving a request to collateralize a collateral item of a user seeking a loan, along with information and a photograph of the collateral item. A processing system may generate a virtual representation of the collateral item based on the information and photograph and generate a digital token based on the virtual representation. Ownership of the digital token may be assigned to the user seeking the loan and an instance of a smart contract governing the loan may be generated and deployed, the instance of the smart contract indicating an amount to be paid back by the user to the lender and one or more conditions that cause ownership of the digital token to be transferred to the lender.