Abstract: Methods and processes can include disbursement and/or management of loans or other obligations via a distributed digital ledger system. In embodiments, smart contracts may be instantiated to reflect issued loans and to reflect repayment obligations therefor. In one embodiment, a lending entity loans money in the form of fiat currency (or other currency type) to a borrower. As the borrower repays the loan, equivalent payments may be made to a digital wallet that is associated with the smart contract, thereby causing the smart contract to evaluate that particular repayment obligation as satisfied.