Digital Tokenization For Loans In Banking Integrating NPL

This project introduces a decentralized application to tackle the main problems of opacity and inefficiency in managing Non-Performing Loans (NPLs). It uses a smart contract on the Ethereum blockchain to create a secure, unchangeable, and clear ledger that covers the entire loan lifecycle. The system has a role-based structure that separates public loan applicants from authorized bank employees. The proof-of-concept shows how blockchain technology improves data integrity, simplifies auditing, and builds more trust and efficiency in the financial ecosystem. The system ensures secure loan status updates and clear access control. It aims to improve regulatory oversight and operational efficiency in banking loan management.