Recursive Transaction Hash Chains for Immutable Audit Trails in Mortgage Platforms
DOI:
https://doi.org/10.63282/3050-9246.IJETCSIT-V6I4P107Keywords:
Mortgage processing, transaction hash chain, audit trail, immutable ledger, compliance, blockchain-inspired architectureAbstract
Mortgage platforms face increasing regulatory scrutiny and the need for robust audit mechanisms. Traditional audit systems often suffer from mutability risks and lack cryptographic verifiability. This paper proposes a Recursive Transaction Hash Chain (RTHC) architecture that provides an immutable and tamper-evident audit trail across the lifecycle of mortgage transactions. Each transaction's hash recursively incorporates previous transaction hashes, ensuring integrity and chronological verifiability. The proposed architecture supports secure compliance reporting, enhances system accountability, and integrates well with existing digital infrastructures
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References
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