| CPC G06F 21/62 (2013.01) [H04L 9/3218 (2013.01); H04L 9/3247 (2013.01); H04L 9/50 (2022.05)] | 17 Claims |

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1. A system, comprising:
a processor;
a memory on which are stored machine readable instructions that when executed by the processor, cause the processor to:
connect to a first blockchain network configured to store user assets;
receive login data from a first user;
receive an asset lock transaction for an asset from the first user identified by the login data, the asset lock transaction including a first unique identifier of a first asset token, a signature of the first user, and a hiding commitment of: the first user, a second user, a deadline, a hash value, an asset type, an asset value, and a second unique identifier of the asset;
confirm that the first user is an owner of the asset based on a previous asset transfer transaction associated with the first user;
verify availability of the asset based on blockchain network records;
determine that the second user is a registered user of a blockchain network;
assign the asset to the first unique identifier of the asset lock transaction;
receive at least one of a claim request from the second user prior to expiration of the deadline and a reclaim request from the user after expiration of the deadline, the claim request comprising the second unique identifier, a pre-image of the hash value, a signature of the second user, a randomization of the hiding commitment, and a zero-knowledge token comprising the second user as owner and the same asset type and asset value as the hiding commitment; and
responding to the at least one the claim request and the reclaim request according to the deadline.
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