ResearchTech-Finance2026-10-30
Digital warehouse receipts paired with title insurance: SHA-256 anchors the policy subject for dual credit enhancement
Once a digital warehouse receipt is on-chain, its title right is anchored into the same SHA-256 hash as the insurance policy subject. Banks lend against the combined on-chain receipt and policy, lifting the loan-to-value ratio by 5–10 points over a bare receipt, while duplicate pledging and double-selling are blocked at source.