A framework system is present that provides an end-to-end solution for user on-boarding, storing, securing, configuring, authenticating of the target person (grantee user), and transmittal of digitized documents assets. The framework system is preferably a multi-tenant cloud based system, although other systems may be used. The system processes multiple inputs to cognitively determine implementation (cognitive decision making) of digitized assets to a grantee user or target user without human intervention.