storing, by one or more processing circuits, a plurality of exchange templates, wherein each exchange template of the plurality of exchange templates comprises a plurality of fields, and wherein the plurality of fields comprises at least two or more payee fields;

receiving, by the one or more processing circuits, a signed exchange request signed by a private key of a public and private key pair associated with a digital asset;

receiving, by the one or more processing circuits, an environmental dataset;

selecting, by the one or more processing circuits utilizing the environmental dataset, an exchange template of the plurality of exchange templates;

populating, by the one or more processing circuits, the plurality of fields of the selected exchange template based on the environmental dataset;

providing, by the one or more processing circuits to a plurality of user devices associated with a plurality of payees of the at least two or more payee fields of the exchange template, a public key of the public and private key pair based on interfacing with a destination address via an application programming interface (API);

in response to receiving an indication that the signed exchange request was verified by at least one of the plurality of user devices, updating, by the one or more processing circuits, a provider ledger by removing the public and private key pair; and

in response to receiving the indication that the signed exchange request was verified by at least one of the plurality of user devices, updating, by the one or more processing circuits, a central ledger by interfacing with a central address of the central ledger via a second API.