The Operating Software for
Modern Neobanks & Compliant Asset Tokenization
Deploy branded tenant applications and sandbox rails in under 14 days. Deposit accounts, card issuing, and qualified custody are provided by licensed partner institutions — not by Y3K Markets.
Enterprise Partner Network & Banking Rails
Y3K Markets provides the turnkey operating software, proprietary smart contract registries, and tenant orchestration. Regulated depository, custody, card, and broker-dealer operations are executed exclusively through chartered institutions.
Regulated South Dakota trust company providing institutional cold storage, MPC key quorum governance, and bankruptcy-remote asset segregation for RWA collateral vaults.
US-chartered partner depository institutions holding master For Benefit Of (FBO) pooled operating reserves with automated pass-through deposit insurance for end-users.
Direct connection to the Federal Reserve FedNow Service and The Clearing House RTP network for sub-second, 24/7/365 irrevocable domestic liquidity movements.
Bank-sponsored BIN ranges for physical plastic/metal and instant virtual commercial debit cards with Apple Pay and Google Pay contactless tokenization.
Open-source standard for compliant permissioned security tokens, enforcing SEC Rule 506(c) accreditation and transfer agent rules directly on the smart contract layer.
Specialist syndicate underwriting covering physical damage, employee theft, rogue key destruction, and cryptographic private key compromise in qualified vaults.
Turnkey Native Android Applications
Explore the three production-ready Android mobile apps built for the Y3K Markets and UnyKorn Brands ecosystem. Full Kotlin source code and vector branding included.
Turnkey digital banking application built with Kotlin 2.0 and Jetpack Compose. Includes FDIC-insured FBO sub-accounts, FedNow / ACH instant clearing, Visa debit card issuance, and Google Pay NFC push provisioning.
Official Android App Logos & Identity
White-label brand assets packaged for Google Play Store listing, adaptive launcher icons (foreground + background), and enterprise marketing collateral.
Photorealistic 3D Liquid Glass Mobile Icons Suite
Turnkey app iconography rendered in White Liquid Glass aesthetics for the Google Play Store, Android Auto, Wear OS, and enterprise distribution portals.
Y3K Neobank Logo
Adaptive launcher icon & brand shield for retail and commercial digital banking applications.
com.y3kmarkets.neobank
Y3K RWA Investor Logo
Isometric diamond vault icon for accredited asset syndication and securities trading portals.
com.y3kmarkets.rwa
Y3K Custody Signer Logo
Cryptographic multi-sig padlock and MPC quorum ring for institutional approval signers.
com.y3kmarkets.custodySix Modular Flagship Platforms
Deploy individual platforms or syndicate the unified ecosystem under your own sovereign brand in under 14 days:
Turnkey Android & iOS Mobile Banking Suite
White-label native Android (Kotlin/Compose) and iOS (Swift/SwiftUI) applications. Complete source code, biometric keystore security, Google Pay NFC push, and multi-chain RWA investment portfolio desk.
- Native Android Kotlin 2.0 & Jetpack Compose
- Android Keystore & BiometricPrompt (TEE)
- Google Pay NFC Card Push Provisioning
- Multi-Account Ledger & FedNow Live Rails
White-Label Neobank Core Engine
Turnkey core banking platform with virtual & physical debit cards, multi-currency virtual IBANs (USD, EUR, GBP), and automated clearing over FedNow, ACH, and SEPA.
- Visa & Mastercard debit card issuance
- Multi-currency ledgers & virtual IBANs
- FedNow sub-second wire clearing
- Sub-account FDIC insurance pass-through
ERC-3643 RWA Tokenization Desk
End-to-end tokenization infrastructure for commercial real estate, private equity, private debt, and commodities with built-in regulatory compliance and secondary P2P transfer controls.
- ERC-3643 / ONCHAINID permissioned contracts
- Automated dividend smart contract distribution
- Real-time cap table & audit reconciliation
- Statutory Trust SPV legal structuring
Qualified Custody & Vault Gateway
Segregated custody vaults under Wyoming Statutory Trust SPVs with a tenant-plus-custodian signing quorum. Crime and specie insurance is maintained by the qualified custodian under its own policy.
- 3-of-5 Multi-Sig MPC quorum authorization
- Air-gapped cold storage with hardware isolation
- Custodian-maintained specie & crime insurance
- Automated proof-of-reserve attestation
Cross-Chain Settlement & Liquidity Desk
Automated atomic liquidity routing across XRPL, EVM, Solana, and Stellar networks for real-time asset settlement and corporate treasury management.
- XRPL payment channels & automated bridge
- EVM multi-chain gasless execution
- Solana enterprise sub-second settlement
- Stellar anchor FX ramp for fiat off-ramps
Automated KYC/AML & Accreditation Desk
AI-accelerated compliance verification engine delivering instant global biometric ID verification, PEP/sanctions screening, and SEC Rule 506(c) investor accreditation.
- Sub-60-second biometric passport verification
- Automated SEC Rule 506(c) accredited checks
- Continuous PEP & OFAC sanctions scanning
- Cryptographic ONCHAINID credential issuance
Simulated environment. Every response below is generated in your browser from static fixtures. No request leaves this page, no bank or custodian is contacted, and no account number, routing number, or settlement reference shown is real.
Test Core API Actions in Real Time
Walk the request and response shapes for account provisioning, instant clearing, card issuance, and ERC-3643 subscription — rendered locally from fixtures so you can read the payload contracts before you ever touch a sandbox key:
{
"tenant_id": "tnt_unykorn_live_0904",
"account_holder": {
"legal_name": "Cascade Sovereign Holdings LLC",
"tax_id": "XX-XXX4189",
"account_type": "COMMERCIAL_OPERATING"
},
"currency": "USD",
"depository_routing": "PARTNER_FDIC_SWIFT",
"card_issuance_enabled": true
}
{
"status": 201,
"message": "Virtual FBO Sub-Account Provisioned Successfully",
"data": {
"account_id": "act_fbo_9841294021",
"account_number": "9841209384",
"routing_aba": "",
"depository_institution": "Chartered partner bank (FDIC-insured institution)",
"deposit_insurance": "Pass-through eligible at the chartered partner bank, subject to 12 CFR 330",
"available_balance": 0.00,
"currency": "USD",
"created_at": "2026-09-04T13:48:19.412Z"
}
}
Institutional RWA Issuance Lifecycle
A battle-tested 6-stage operational pipeline for syndicating real estate, private credit notes, infrastructure bonds, and physical commodities into compliant ERC-3643 securities tokens:
Smart Contract Builder & RWA Library
Real Solidity for institutional capital markets. Georgia statutory draw escrow, CMBS waterfalls, private credit loan pools, tokenized treasuries, and Chainlink proof-of-reserve oracles. Every contract compiles clean and produces hash-chained receipts.
Draw Escrow (Georgia Statutory Form)
Construction draw escrow engine with Georgia statutory interim & final lien waiver evidence verification. Subcontractor affidavit matching and architect signoff gates before fund release.
CMBS 3-Tranche Senior/Mezz Waterfall
Commercial mortgage-backed securities cash-flow waterfall splitting loan inflows across Senior (AAA), Mezzanine (BBB), and Equity First-Loss tranches with automated subordination loss absorbing.
Tokenized Treasury / Money Market (BUIDL)
Short-term US Treasury bill and institutional money market fund token. Dynamic daily yield rebasing or asset accrual tracking federal reserve repo rates with accredited transfer agent restrictions.
Neobank & RWA Deployment Cost & ROI Calculator
Compare an in-house scratch build ($1.8M+) versus licensing a turnkey Y3K Markets platform in 14 days:
Average 16–22 months development, 8 engineers, $350k legal retainer.
Deploy in 14 days. Includes hosting, BaaS core, and compliance shield.
Frequently Asked Questions
Standard deployments for both the RWA Tokenization Platform and Neobank Core are fully operational within 10 to 14 calendar days including custom branding, domain mapping, and payment integrations.
Funds and assets are held in dedicated bankruptcy-remote statutory trust structures established under Wyoming law with Qualified Custodian cold storage backed by custodian-insured+ institutional crime insurance policies.
Yes. You own 100% of your customer accounts, data, and fee structures. Enterprise licensees can deploy the platform directly onto their own dedicated cloud infrastructure.
Reference Architectures
Three deployment patterns the stack is built to support, described by their architecture and the standards they implement. These are capability blueprints, not client engagements — no figure below represents a completed transaction, and named references are available only under NDA.
Tokenized Bond Issuance on ERC-3643
A sponsor holds an asset portfolio inside a bankruptcy-remote Wyoming Statutory Trust or Delaware LLC. Permissioned bond units are issued under ERC-3643 with ONCHAINID identity binding, so accreditation and transfer restrictions are enforced at the contract layer rather than by a spreadsheet. Coupon distribution runs on-chain against the registered holder set.
Branded Tenant on Partner Banking Rails
A branded tenant runs on virtual FBO sub-accounts opened at a chartered partner bank, with instant clearing over FedNow and RTP and card issuance under the bank’s BIN sponsorship. The bank is the regulated party of record for deposits, BSA/AML, CIP and OFAC; Y3K Markets supplies the software, the ledger and the tenant application only.
Vaulted Commodity with Proof of Reserve
Allocated bullion or other vaulted specie is held by a qualified custodian and represented one-to-one on chain, with bar serials or lot identifiers published to a proof-of-reserve feed. Signing authority is a tenant-plus-custodian quorum; Y3K Markets holds an encrypted offline recovery share only and can never move tenant assets unilaterally.
Executive Procurement & Architectural Briefs
Download verified architectural blueprints, custodial assurance documents, and deployment timelines for your compliance and procurement committee:
Y3K Markets Technical Architecture Whitepaper
Deep architectural breakdown covering the core BaaS orchestration engine, FedNow ISO 20022 message flows, Android StrongBox hardware isolation, and ERC-3643 smart contract registries.
Custodial Assurance & Specie Insurance Brief
Detailed inspection packet detailing BitGo Bank & Trust N.A. qualified custody, Custodian Insurance custodian-insured crime insurance syndicate terms, and the partner-owned BSA/AML program boundaries (the chartered bank owns BSA/AML, CIP and OFAC; the tenant VASP owns Travel Rule).
14-Day Tenant vs. 60-Day Regulated Checklist
Complete project management milestone checklist differentiating technical sandbox tenant deployment (Day 14) from chartered bank underwriting and live card issuance (Days 15–60).
Enterprise Launch & Multi-Chain Connect Hub
Connect your organization to institutional custody vaults, automated clearing rails, and 14-day turnkey production deployments from our North American headquarters:
14-Day Production Deployment
Deploy branded mobile apps, Visa/Mastercard debit cards, and multi-currency virtual accounts with zero code.
60-Second Sponsor Onboard
Automated Reg D 506(c) accredited investor verification, FinCEN AML/PEP screening, and digital sub-agreements.
Connect Custody Rails
Link EVM, XRPL, Stellar, or Solana wallets with insured cold storage and statutory trust settlement.
Sandbox REST / WS APIs
Instant API keys, comprehensive Postman collections, webhooks, and sandbox testing environment.