transparent and incorruptible ecosystem through which it can directly collect information from a borrower, make a credit decision, fund a loan and store the collateral. This ecosystem utilizes a distributed ledger to record, encrypt and store each transaction and guarantee the validity of a transaction by recording it not only on a main register but a connected distributed system of registers, all of which are connected through a secure validation mechanism.The resulting process can originate a loan at virtually no cost. This means that markets previously under served due to origination costs instantly become untapped reservoirs of new potential borrowers. This is the definition of disruptive innovation.