Abstract: A computer system processes a digital representation of an illiquid asset, to confirm accuracy of the digital representation and value of the asset, and generates an asset-information table indicating where the various sections of the digital representation are stored. The system also generates an asset-value token, financial-return tokens, and a data structure that includes a self-executing program. The program associates the asset-value token with the financial-return tokens, so that the illiquid asset becomes a collateral for a decentralized loan transaction implemented using blockchain technology. The use of blockchain technology for decentralized loan transactions enables immutable data traceability.