Tag

Pledge enhancement

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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.