A method comprising: receiving, by a first computer, from a second computer, a digital asset including a first digital signature and a request to validate the digital asset including the first digital signature, wherein the first digital signature was generated with a first private key associated with the second computer, wherein the digital asset indicates the transfer of a value from a sender to a recipient, wherein the first digital signature was generated following the second computer receiving a transaction request from a sending institution computer holding an account of the sender, and wherein the first digital signature in the digital asset is a first digital signature for the digital asset; validating, by the first computer, the digital asset; validating, by the first computer, the first digital signature with a first public key associated with the second computer, the first public key corresponding to the first private key; after validating the digital asset and the first digital signature, generating, by the first computer, a second digital signature for the digital asset, the second digital signature generated with a second private key associated with the first computer; providing, by the first computer, the digital asset and the second digital signature to the second computer, wherein the second computer updates a ledger of transactions associated with the second computer with the digital asset after having received the second digital signature and transmits the digital asset and the first digital signature to a recipient node computer, wherein the recipient node computer verifies that the first digital signature and the second digital signature are authentic and transmits the digital asset to a recipient institution computer, wherein the recipient institution computer immediately credits the account of the recipient with the value indicated in the digital asset even if the value has not actually been received; recording, by the first computer, the digital asset in a database, wherein recording the digital asset in the database includes generating a block for a blockchain associated with the first computer, the block including information about the digital asset; and at a later time, coordinating, by a settlement service computer, a settlement based on the digital asset, wherein the settlement comprises debiting the value from the account of the sender and transfer the value to the recipient institution computer. receiving, by a first computer, from a second computer, a digital asset including a first digital signature and a request to validate the digital asset including the first digital signature, wherein the first digital signature was generated with a first private key associated with the second computer, wherein the digital asset indicates the transfer of a value from a sender to a recipient, wherein the first digital signature was generated following the second computer receiving a transaction request from a sending institution computer holding an account of the sender, and wherein the first digital signature in the digital asset is a first digital signature for the digital asset; validating, by the first computer, the digital asset; validating, by the first computer, the first digital signature with a first public key associated with the second computer, the first public key corresponding to the first private key; after validating the digital asset and the first digital signature, generating, by the first computer, a second digital signature for the digital asset, the second digital signature generated with a second private key associated with the first computer; providing, by the first computer, the digital asset and the second digital signature to the second computer, wherein the second computer updates a ledger of transactions associated with the second computer with the digital asset after having received the second digital signature and transmits the digital asset and the first digital signature to a recipient node computer, wherein the recipient node computer verifies that the first digital signature and the second digital signature are authentic and transmits the digital asset to a recipient institution computer, wherein the recipient institution computer immediately credits the account of the recipient with the value indicated in the digital asset even if the value has not actually been received; recording, by the first computer, the digital asset in a database, wherein recording the digital asset in the database includes generating a block for a blockchain associated with the first computer, the block including information about the digital asset; and at a later time, coordinating, by a settlement service computer, a settlement based on the digital asset, wherein the settlement comprises debiting the value from the account of the sender and transfer the value to the recipient institution computer.