Custody — Qualified Custodian architecture
Custody — Qualified Custodian architecture
Section titled “Custody — Qualified Custodian architecture”Architecture documentation, not a live console.
Never invent enterprise IDs, wallet IDs, tickets, personal names, balances, TVL, or revenue.
Why Qualified Custodian appears in the Unykorn stack
Section titled “Why Qualified Custodian appears in the Unykorn stack”Qualified Custodian provides institutional digital-asset custody and financing rails that Unykorn deal ops compose with on-chain RWA evidence (e.g. DrawEscrow waiver hashes). Public Qualified Custodian posture (as of 2026):
| Topic | Public fact |
|---|---|
| Charter | Qualified Custodian Bank & Trust, N.A. — federally chartered national trust bank under OCC supervision |
| Go Account | Multi-asset regulated custody wallet; entry point to trade, finance, settle, allocate while assets remain in qualified custody |
| Prime financing | On-platform borrowing/lending and portfolio-based financing against eligible Go Account holdings (liquid, locked, staked — subject to product terms) |
| Controls | Multi-signature / policy controls, segregated client accounts, institutional operational framework |
| Lending / CaaS | Documented at architecture level only in this portal — no invented program IDs |
Official references: bitgo.com, Go Accounts resource center, Qualified Custodian Trust Center.
Unykorn integration posture
Section titled “Unykorn integration posture”| Concern | Operator rule |
|---|---|
| Keys | Qualified Custodian holds keys. Unykorn Studio uses sign_external and never holds testnet or mainnet keys. |
| Evidence vs custody | DrawEscrow stores waiver/milestone evidence on-chain; Qualified Custodian vaults hold the capital. Georgia statutory waiver remains the operative legal form. |
| Reporting | Live custody reporting to funders/sponsors — without inventing balances in docs or agent output |
| This portal | Describes architecture and the 9-step deal-ops playbook. It is not a Qualified Custodian admin UI. |
Nine-step deal ops
Section titled “Nine-step deal ops”| Step | Name | Operator detail |
|---|---|---|
| 1 | Intake | Deal memo, asset class, jurisdiction, desired rail (draw escrow, inventory SPV, CMBS waterfall, etc.) |
| 2 | KYB | Entity KYB for SPV / sponsor / funder counterparties along Qualified Custodian onboarding path |
| 3 | Deal vault | Segregated Go Account / deal vault under OCC-chartered custody posture |
| 4 | Fund | Funder wires or crypto-funds vault; outbound gated by policies |
| 5 | Milestone + waiver draws | Atomic draw releases coupled to DrawEscrow lien-waiver evidence (statutory form remains off-chain operative) |
| 6 | Reporting | Live reporting to funder / sponsor |
| 7 | Waterfall / repay | Distribute NOI / principal via contract waterfall; record repayments |
| 8 | Audit | Hash-chained Studio receipts + custodian statements for counsel |
| 9 | Close | Final distribution, vault wind-down, archive receipts |
Why funders care
Section titled “Why funders care”| Benefit | Description |
|---|---|
| Segregated custody | Assets held under qualified custodian posture, not mixed with operator hot wallets |
| Atomic draws vs evidence | Capital release can be coupled to on-chain waiver/milestone evidence without pretending the chain replaces the statute |
| Multi-sig / policies | Institutional controls on who can move funds |
| Live reporting | Operational visibility without inventing TVL narratives in marketing docs |
Counterparties (conceptual)
Section titled “Counterparties (conceptual)”Deal path typically involves: sponsor / SPV → Unykorn structuring + Studio receipts → licensed placement when required → Qualified Custodian custody → funder (Cantor Fitzgerald CRE or others). See Broker-Dealer and Cantor vs Canton.
Commerce note
Section titled “Commerce note”“Qualified Custodian deal-ops onboarding” in the Stripe catalog is a technical fee for architecture onboarding — not custody and not a Qualified Custodian product sale.