Abstract: In one embodiment, a method for distributed ledger-based peer-to-peer lending may include: receiving, from a first node in a network associated with one of a debt issuer or an investor, a transaction between the debt issuer and the investor, the transaction comprising a cash portion and a debt portion; generating a debt token for the debt portion; writing the debt token to a wallet for the debt issuer that is tracked on a distributed ledger; generating a cash token for the cash portion; writing the cash token to a wallet for the investor that is tracked on a distributed ledger; settling the transaction by exchanging the cash tokens from the wallet for the investor and the debt tokens from the wallet for the debt issuer; and writing the settled transaction to the distributed ledger.