Operators do not need another platform to rent. They need a build they own, documented well enough to run without the builder. That is the Y3K Markets desk: a scoped engagement, a fixed price, and a handover.
A white-label neobank build
Onboarding and identity flow, accounts and ledgers, card and payment integrations through the operator's licensed partners, a customer app, an operations console, and the compliance record-keeping the partners require. UnyKorn builds and integrates; the operator's banking and payments partners hold the licenses, the accounts, and the funds. Y3K never touches client money.
A tokenization build
The issuance rails from unykorn.ai configured for the operator's asset: permissioned transfers, eligibility claims, attestation feeds, delivery-versus-payment settlement, and custody opened in the operator's name at a qualified custodian. Counsel clears the offering before configuration starts.
How an engagement runs
A written scope with acceptance criteria. A fixed price and a schedule. A task-by-task build with a report on every deviation. An adversarial review that exercises the failure paths, not just the happy path. A deploy receipt and a served-response check. Then the handover: source, runbooks, and the keys, all in the operator's name.
What stays with the operator
Everything. The repositories, the accounts, the domains, the keys, the customer data. Y3K's job ends at the handover; ongoing administration is a separate, flat-fee choice, never a lock-in.
Questions people ask
Does Y3K hold customer funds?
No. The operator's licensed banking and payments partners do.
Who owns the build?
The operator: source, accounts, domains, keys, data.