A method comprising: receiving, at a node of a first plurality of nodes hosting a first blockchain ledger , a first transaction, wherein each user of a first set of users deposited funds for settlement into a first pool account such that the first pool account has a total aggregate value equivalent to a sum of all the deposited funds, wherein the first transaction is from a first user to a second user for a first amount, wherein the first blockchain ledger is a private permission based blockchain ledger that utilizes public-key cryptography for encryption and role-based access control wherein users are provided with public key certificates for accessing permitted data from the blockchain ledger, the first blockchain ledger maintains a record of individual account values associated with each user of the first set of users based on their deposited funds and any previously deposited funds, as well as records transactions between the first set of users including the first user and the second user and updates their individual account values based on the transactions, the deposits and any withdrawals of funds; verifying, by the node of the first plurality of nodes , that the first transaction is capable of taking place by checking the first blockchain ledger for a history of transactions associated with the first user or checking an account value associated with the first user; and updating, by the node of the first plurality of nodes , the first blockchain ledger with the first transaction to include a block with data relating to the first transaction, wherein based on the determination that the transaction is capable of taking place, the total aggregate value of the first pool account is maintained in the first blockchain ledger and movement of funds for the first transaction is settled without an additional deposit to the first pool account needing to be made. receiving, at a node of a first plurality of nodes hosting a first blockchain ledger , a first transaction, wherein each user of a first set of users deposited funds for settlement into a first pool account such that the first pool account has a total aggregate value equivalent to a sum of all the deposited funds, wherein the first transaction is from a first user to a second user for a first amount, wherein the first blockchain ledger is a private permission based blockchain ledger that utilizes public-key cryptography for encryption and role-based access control wherein users are provided with public key certificates for accessing permitted data from the blockchain ledger, the first blockchain ledger maintains a record of individual account values associated with each user of the first set of users based on their deposited funds and any previously deposited funds, as well as records transactions between the first set of users including the first user and the second user and updates their individual account values based on the transactions, the deposits and any withdrawals of funds; verifying, by the node of the first plurality of nodes , that the first transaction is capable of taking place by checking the first blockchain ledger for a history of transactions associated with the first user or checking an account value associated with the first user; and updating, by the node of the first plurality of nodes , the first blockchain ledger with the first transaction to include a block with data relating to the first transaction, wherein based on the determination that the transaction is capable of taking place, the total aggregate value of the first pool account is maintained in the first blockchain ledger and movement of funds for the first transaction is settled without an additional deposit to the first pool account needing to be made. <EOS>