A system and method for digital smart wallet communications that operates by managing separately-owned, private blockchains to reduce processing times, eliminate proof of work burdens, and retain blockchain immutable security while allowing protection of confidential information contained on each blockchain. The system and method may further comprise auditability of blockchains, and may be operated on an integrated communications platform that allows seamless interoperability of communication devices across multiple modes of communication, and automates digital smart wallet transactions.