Abstract: A cryptocurrency secured by one or more loans is disclosed. The cryptocurrency is associated with one or more loans and the loan payments are distributed to the owner of the cryptocurrency. An identification of a pool of one or more bundled loans is received, and an indication of payments of the one or more bundled loans in the pool is be received. User information associated with a cryptocurrency exchange may be received, and the cryptocurrency is associated with the pool of one or more bundled loans. Transfer is made, to a user, of an amount of the payments of the one or more bundled loans in the pool.