Place an automatic lien on a fixed deposit used as loan collateral, and release it the moment the loan is repaid. Linking the loan and the deposit means the lien is set and cleared by repayment status, with no manual follow-up that gets missed or delayed.
Turn a manual lien placement and removal into an automatic link driven by repayment status.
01.
Lock at disbursal. The Escrow and Conditional Settlement module places a lien on the fixed deposit the moment the loan against it is disbursed.
02.
Clear on payoff. The lien is released automatically the instant the loan is fully repaid, so no customer waits on a manual removal step.
03.
Tie the two together. The deposit and the loan are bound on one record, so their statuses move together rather than in separate systems.
04.
Remove the missed step. Because release is driven by repayment status, the forgotten lien removal that frustrates customers cannot happen.
05.
Record the lifecycle. The Audit Logs module seals each lien placement and release, giving the bank a clear record of every collateral link.
06.
Back the position. The Compliance Attestations module attests the current lien status, so the bank's collateral records are verifiably accurate.
Follow a single fixed deposit from loan disbursal and lien placement to automatic release on repayment.
10:00:00
[SYS] Disbursing loan against deposit...
10:00:01
[CMD] disburse { loan: "LN_552", deposit: "FD_9910", amount: 150000 }
10:00:01
[AUTH] Binding deposit as collateral...
10:00:02
[OK] Loan and deposit linked.
Cerulea decomposes collateral linkage into modular contracts. Each layer binds the loan and deposit, places the lien, tracks repayment, and releases without manual follow-up.
Automatic collateral linkage is a horizontal capability. Here is how different actors rely on status-driven liens.
Place and release liens on deposit collateral automatically by repayment status, eliminating the missed removal that frustrates customers and creates disputes.
Key Asset Types
See their deposit freed the instant the loan is repaid, with no branch visit to chase a forgotten lien removal.
Key Asset Types
Rely on an attested, verifiable lien status across the book, replacing manual collateral reconciliation with a live accurate record.
Key Asset Types
Whether you are bridging a bank's loan and deposit systems or connecting the operations desk, Cerulea routes both into one linked collateral record.
For banks on legacy loan and deposit systems. Disbursal and repayment events are translated into signed on-chain lien transitions through the API gateway automatically.
Loan & Deposit Systems
Bank Platform
Cerulea API Gateway
Lien Signing
Cerulea Private Chain
Collateral Linkage Ledger
For the bank operations desk. The desk reads live lien status and confirms automatic releases directly from the linked record.
Operations Desk
Bank Back Office
Linkage Validators
Status Consensus
Cerulea Ledger
Linked Collateral Record
Building a collateral linkage system with automatic lien placement, repayment-linked release, loan-deposit binding, and an attested lien trail from scratch requires core banking engineers and long system integration. Calculate your exact deployment speed using Cerulea.
Traditional Deployment
Solidity Coding & Audits
~ 11 Months
Visual Compilation
WASM Logical Artifacts
~ 4 Weeks
The legacy timeline reflects core banking integration benchmarks. Building automatic lien placement, repayment-linked release, loan-deposit binding, and an attested lien trail takes a baseline of 7 months. Building the same architecture on Cerulea takes a baseline of 2 weeks, because Cerulea Studio visually translates your lien and release rules into pre-audited WebAssembly binaries and provisions the collateral linkage ledger and release layer instantly.