| CPC G06F 16/275 (2019.01) [G06F 16/2358 (2019.01); G06F 16/2379 (2019.01); G06F 16/24556 (2019.01); G06F 16/273 (2019.01)] | 20 Claims | 

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               1. A computer-implemented method comprising: 
            storing records for a plurality of users in each of a follower system and a leader system, each of the leader system and the follower system enforcing a constraint based on an aggregate of values stored in the records of the plurality of users, each record comprising a field, each record associated with a user; 
                responsive to receiving deposit requests, by the follower system, transferring the deposited amounts to omnibus accounts held at one or more third party institutions; 
                storing by each of the follower system and the leader system, a set of private logs and a set of public logs, wherein public logs from the set of public logs are periodically synchronized across the follower system and the leader system; and 
                performing following steps periodically: 
              determining, by a coordinator system, a settlement amount based on public logs; 
                  directing, by the coordinator system, execution of a series of transactions between the omnibus accounts held at the one or more third party institutions; 
                  responsive to executing the series of transactions, receiving confirmation of availability of settlement amount; 
                  responsive to receiving the confirmation, transmitting, by the coordinator system, instructions to execute a transfer transaction based on the settlement amount; and 
                  executing the transfer transaction based on the instructions of the coordinator system, the transfer transaction causing a transfer of the settlement amount from the follower system to the leader system, wherein the leader system uses the settlement amount to update user accounts. 
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