Platform live · Dignity Gold partnership announced

The infrastructure institutions run real-world assets on

Qualified custody orchestration on BitGo Bank & Trust. Compliance enforced before value moves — not reported after. Permissioned tokenization, atomic settlement, and audit trails built for the diligence review, not the demo.

2-of-3Multisig — you hold the backup key
OCC-charteredQualified custody · BitGo Bank & Trust
100%Transfers behind the compliance gate
0Transaction-contingent fees. Ever.
Glass tower with data streams flowing through every floor
One platform. Every floor connected.
Why institutions choose us

Comfort isn't a feeling. It's an architecture.

Every serious counterparty asks the same three questions: who holds the keys, what can you never do to us, and what happens when the regulator calls. Here are the answers, in the open.

Question one

Who actually holds the keys?

Every wallet is a 2-of-3 multi-signature vault. No single party — including Unykorn, including BitGo — can move value alone. This is not a policy promise; it is the cryptographic structure of the wallet itself.

User key

Initiates transactions. Encrypted with a tenant-scoped passphrase. Cannot approve or move funds alone.

Platform
Backup key — you hold this one

Generated and retained by you. Only the public key ever touches our infrastructure. This is your recovery path, and the reason we are never sole custodian.

You
Custodian key

Held by BitGo Bank & Trust, N.A. inside its OCC-chartered, insured qualified-custody environment.

BitGo
Question two

What can we never do to you?

  • We never take custody. Not of your assets, not of your clients' funds, not of fiat in flight. The architecture makes it impossible, not just prohibited.
  • We never touch your market. Your brand is the name on the asset. We don't sit between you and your investors, and we don't refer, introduce, or recommend.
  • We never earn on your transactions. Zero transaction-contingent fees — so our incentives never drift toward volume over safety.
  • We never settle an ineligible transfer. Compliance is a gate in the transfer path itself. A transfer that fails the check doesn't get reversed — it never executes.
  • We never leave you without the record. Every compliance decision and settled transfer produces a signed, append-only entry built for regulator and counterparty review.
Compliance enforced before value moves.
Products

The full stack, product by product

Six products. Each stands alone, each composes with the rest, and every one runs behind the same gate.

Available now

Custody Orchestration

Segregated 2-of-3 vaults on BitGo qualified custody — programmatic vault creation, per-tenant segregation, policy engines, and webhook-driven treasury automation. You hold the backup key.

  • Whitelists, velocity limits, approval chains
  • Automated stablecoin sweep & consolidation
  • Genuine non-custodial posture, provable in the key structure
Qualified custody provided by BitGo Bank & Trust, N.A., an OCC-chartered national trust bank. Unykorn provides orchestration software only.
Available now

Compliance Gate

KYC/KYB, OFAC and global sanctions screening, FATF Travel Rule (IVMS101), and rules-based monitoring — enforced before accounts open and before transfers settle.

  • Accounts gated at creation, not just at transfer
  • Structuring, velocity, jurisdiction-risk monitoring
  • Every decision produces a signed, reviewable record
An engineering control layer supporting institutional compliance programs; it does not replace licensed compliance review.
Available now

Permissioned Tokenization

Institutional issuance across three settlement environments: ERC-3643 (T-REX) with ONCHAINID on EVM, Multi-Purpose Tokens and Hooks on XRPL, and Unykorn's deterministic WASM Layer 1.

  • On-chain restrictions — ineligible transfers never execute
  • Cap table, investor registry, forced-transfer recovery
  • Sub-second finality, zero-gas contracts on the L1
Investors control their own identity keys. Token programs are structured by the issuer and its counsel.
Available now

x402 Document & Payment Engine

Sovereign document infrastructure for regulated capital operations — generate, sign, anchor, and pay in one atomic flow, with cryptographic receipts on every transaction.

  • Sub-cent metered billing · SHA-256 / Ed25519 receipts
  • ESIGN/UETA-compliant QR signing ceremonies
  • Settles on XRPL, EVM chains, or the Unykorn L1
Live — public proof verification.
Available now

White-Label Institutional Portal

Multi-tenant client portals under your brand — issuer dashboards, investor rooms, and onboarding flows served from edge infrastructure. Tenants only become routable after KYC clearance.

  • Per-tenant branding, features, and domains
  • Compliance-gated routing — the gate is in the router
  • Near-zero marginal cost per tenant
Live at portal.unykorn.ai · issuer onboarding at broker.unykorn.ai.
Available now

Settlement & Audit Rails

Custody-agnostic settlement with instant on-ledger clearing on XRPL and deterministic state transitions on the L1 — every transfer logged to an append-only, signed audit trail.

  • Oracle attestations — EIP-712, m-of-n, replay-protected
  • Atomic patterns: payment and obligation clear together
  • Integer-only accounting; no float in the money path
Unykorn orchestrates settlement; it does not take custody of assets in flight.
Question three

What happens when the diligence team shows up?

Most tokenization vendors are built to survive the sales call. This platform is built to survive the review that comes after it.

The question they'll askTypical tokenization vendorUnykorn
Who is the qualified custodian? "We use secure MPC wallets." Custody status ambiguous by design. BitGo Bank & Trust, N.A. — an OCC-chartered national trust bank. Named on every page, footnoted on every product.
Can the vendor move funds alone? Often yes — platform-held keys with policy promises layered on top. No. 2-of-3 key structure with the client holding the backup key. Provable from the wallet itself.
How is compliance enforced? Post-trade screening and periodic reports. Bad transfers get unwound. Pre-settlement gate in the transfer path. Ineligible transfers never execute — there is nothing to unwind.
Where's the audit trail? Database exports assembled on request. Append-only, cryptographically signed record of every compliance decision and settled transfer, ready on day one.
What are the vendor's incentives? Basis points on volume — incentives drift toward throughput. Zero transaction-contingent fees. We are paid to run infrastructure, not to move volume.
What if the vendor disappears? Assets and records stranded in a proprietary stack. Your backup key recovers your assets through BitGo. Your records are signed, exportable, and verifiable without us.
How we engage

From first call to first settlement

A defined path with a gate at every step — because how we onboard you is the first demonstration of how the platform treats every counterparty after you.

Intake & routing

Issuer, allocator, lender, or partner — each path has its own door and diligence pack.

Day 1

Mutual diligence

You review the data room; we run KYB, sanctions, and program-fit review on the engagement.

Week 1–2

Gate configuration

Eligibility rules, jurisdictions, transfer restrictions, and policy engines configured to your program with your counsel.

Week 2–4

Custody & issuance

Vaults created on BitGo — you generate and hold your backup key — then the token program deploys behind the gate.

Week 4–6

Live & audited

Transfers settle behind the gate with a signed record from the first transaction. Ongoing monitoring included.

Ongoing
Solutions

Purpose-built engines for real asset classes

Vertical modules that run on the platform above — each one gated, audited, and non-custodial by construction.

Gold & Precious Metals

Gold-backed token programs with pre-settlement eligibility enforcement — the architecture behind the Dignity Gold partnership.

Real Estate & REITs

NOI-driven distribution engines, 90% distribution-test modeling, snapshot-based dividend sweeps to verified holders only.

Structured Credit & CMBS

Deterministic waterfalls, tranche subordination, DSCR triggers, tokenized tranche ownership as gated claims.

Construction Finance

Milestone escrow with oracle-attested draws and atomic payment-for-lien-waiver settlement — a draw can never fund without its waiver.

Renewable Energy & SRECs

Revenue-grade telemetry minting 1 SREC per MWh with signed meter attestations and registry reconciliation.

XRPL Lending

Collateral-lock Hooks, Single Asset Vaults, liquidation triggers, instant on-ledger clearing — borrowers hold their own keys.

Clean-Energy Tax Equity

Partnership-flip modeling, ITC allocation, and audit tables built for CPA review.

Counterparty Diligence

Registry verification, sanctions touchpoints, trade-document inspection, deterministic risk scoring with analyst sign-off.

Roadmap

What's next — labeled honestly

Nothing below is live today. We'd rather tell you that here than let a diligence review discover it.

In development

Subject to regulatory and partner readiness
In development

Fiat Payment Rails

ACH, FedWire, and SWIFT connectivity with virtual account issuance — delivered exclusively through licensed banking and money-transmitter partners. Unykorn will remain a technology provider and will not take custody of fiat.

In development

Prediction & Event Markets

Compliance-gated event-contract infrastructure — eligibility-checked participation, oracle-attested resolution, signed settlement records — in partnership with appropriately regulated venues.

In development

Institutional Data Rooms & Edge DC

Expanded edge data-center capacity for sovereign, low-latency RWA workloads and gated diligence environments.

Get started

Run your program on infrastructure built for scrutiny

Start with the data room, or go straight to onboarding. Either way, the gate is the first thing you'll meet — by design.