Security, Compliance &
Partner Network Architecture
Clear, defensible delineation between Y3K Markets proprietary software infrastructure and our regulated financial partner network. Complete verifiable corporate, security, and custody disclosures for procurement stakeholders.
UnyKorn LLC Operating Identity
Y3K Markets is a proprietary financial technology platform engineered, licensed, and operated by UnyKorn LLC, organized under the laws of the State of Wyoming.
What Y3K Markets Provides vs. Partner Network
Enterprise transparency: We explicitly document what is proprietary software versus what is delivered through licensed partner institutions.
| Infrastructure Layer |
Y3K Markets (Software Provider)
|
Regulated Partner Network
|
|---|---|---|
| Banking & Treasury Accounts | Multi-currency double-entry ledger software, virtual sub-account routing, real-time balance webhooks, and REST BaaS integration layer. | FDIC-Insured Partner Banks (FBO accounts): Funds held in pass-through trust accounts up to statutory limits ($250,000 per eligible beneficial owner). |
| Payment Rails (FedNow / ACH / Wire) | Payment messaging orchestrator, ISO 20022 message formulation, automated reconciliation, and settlement status webhooks. | Federal Reserve Direct Clearing Sponsors: Account-holding chartered institutions execute actual wire transfers, ACH entries, and FedNow instant rail settlements. |
| Debit Card Programs | Branded mobile card management UI, spend controls, instant PIN change, Google Pay HCE tokenization push, and fraud rule engine. | Visa / Mastercard Licensed Issuer Processors: Card BIN sponsorship, plastic embossing/fulfillment, authorization network clearance, and regulatory disclosures. |
| Digital Asset & Custody Vaults | 3-of-5 MPC quorum coordination, Android Keystore StrongBox biometrics, air-gapped QR transaction building, and on-chain telemetry. | Qualified Institutional Custodians & Statutory Trusts: Key shard escrow, segregated cold storage, and insured physical/cryptographic vaulting under the custodian’s insurers. |
| RWA Tokenization & Cap Table | ERC-3643 smart contract factory, ONCHAINID identity registry verification, dividend distribution automation, and investor dashboard. | Registered Broker-Dealers & Transfer Agents: Regulation D 506(c) / Reg S investor accreditation, Blue Sky filings, statutory trust governance, and legal escrow. |
| Identity Verification (KYC/AML) | Client mobile capture SDKs, automated document scanner UI, liveness verification, and compliance case management portal. | Global Regulated Identity Networks: Official government database verification, continuous PEP/OFAC watchlists, and sanctions database matching across 220+ jurisdictions. |
Technical Tenant Sprint vs. Regulated Market Go-Live
Enterprise procurement requires rigorous timeline discipline. We distinguish what can be deployed in 14 days versus regulated approval dependencies.
Branded Infrastructure & Sandbox
Delivered entirely by Y3K Markets on dedicated tenant cloud infrastructure. Ready for internal testing and technical integration.
- Dedicated tenant cloud instance & database isolation
- Custom white-label branding, logos, color tokens & typography
- Native Android APK build with StrongBox Keystore configuration
- Full REST API sandbox & simulated FedNow / wire mock rails
- ERC-3643 testnet smart contracts deployed on EVM / XRPL / Solana
Partner Program Onboarding
Conducted in parallel with chartered banks, licensed card sponsors, and qualified custodians for production value movement.
- Client underwriting & commercial compliance committee review
- FBO bank account sponsorship & dedicated settlement routing approval
- Visa / Mastercard BIN range setup, card art approval & packaging
- Qualified custodian statutory trust legal account establishment
- Google Play Store & Apple App Store enterprise review submission
Custody & Insurance Architecture Disclosures
Verifiable protection standards governing physical and cryptographic vault operations.
Custodian-Maintained Insurance
Digital assets held in cold storage are covered by the specie and crime policies maintained by the qualified custodian, on that custodian’s own policy terms and limits. Y3K Markets is not the policyholder, is not a named insured, and makes no representation as to coverage of any tenant or end customer. Current certificates are available from the custodian under NDA.
- Physical destruction or damage of cryptographic material
- Armed robbery, employee theft, or insider collusion
- Loss during secure transit between cold vaults
- Note: Does not cover market volatility, smart contract code bugs, or authorized account misuse.
Wyoming Statutory Trust SPVs
Client asset pools and real-world assets are segregated into independent Special Purpose Vehicles (SPVs) organized as Wyoming Statutory Trusts under W.S. 17-23.
- Bankruptcy-remote from operating entities and technology providers
- Beneficial interest ownership directly mirrored on ERC-3643 cap table
- Audited quarterly by independent public accounting firms
SOC 2 Type II & Security Roadmap
Y3K Markets operates under continuous security telemetry, automated vulnerability scanning, and strict principle-of-least-privilege RBAC.
- AES-256 GCM encryption at rest; TLS 1.3 with HSTS in transit
- Hardware StrongBox / TEE key generation on Android clients
- Annual independent third-party penetration testing
- SOC 2 Type II: readiness program in progress — not yet audited. Control narratives available under NDA.