ENTERPRISE DEVELOPER PORTAL // API SPEC v2026.9

The Financial Developer Engine for
BaaS Core, RWA & MPC Custody

Integrate double-entry banking ledgers, ERC-3643 securities registries, FedNow instant dispatch, and hardware-isolated Android/iOS key signing with sub-100ms latency.

Smart Contract Library (Solidity 0.8.24) → Quickstart Guide Interactive API Reference

< 42ms Cloudflare Edge Latency

Global multi-region Anycast gateway routing with sub-50ms round-trip API responses.

OpenAPI 3.0 Standard Specification

Full Postman collections, Swagger documentation, and automated type-safe SDK generation.

ERC-3643 Securities Standard

Permissioned ONCHAINID compliance registry hooks natively verified in smart contracts.

HMAC SHA-256 Webhook Security

Cryptographically signed webhook dispatches with replay attack timestamp verification.

API REFERENCE — ILLUSTRATIVE PAYLOADS

Core Banking & Tokenization Endpoints

Explore core REST BaaS payloads and on-chain ERC-3643 securities operations.

POST /v1/baas/accounts

Provisions a dedicated FBO sub-account held at an FDIC-insured partner bank with unique virtual account and routing numbers.

Required Request Headers

Authorization: Bearer y3k_live_sec_99482...

X-Tenant-ID: tenant_unykorn_prod_01

Idempotency-Key: 9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d

Content-Type: application/json

cURL Request • 200 OK

HTTPS

{
  "beneficial_owner": {
    "entity_name": "Acme Holdings LLC",
    "ein": "42-3536633",
    "kyb_status": "APPROVED",
    "jurisdiction": "US-WY"
  },
  "currency": "USD",
  "account_type": "COMMERCIAL_OPERATING_FBO",
  "auto_sweep_yield": true
}

// === 200 OK Response ===
{
  "account_id": "acc_fbo_9948271038",
  "account_number": "9847291048",
  "routing_number": "",
  "status": "ACTIVE",
  "balance": {
    "available": 1420500.00,
    "currency": "USD"
  },
  "fdic_pass_through": true,
  "created_at": "2026-09-04T09:30:00Z"
}

OFFICIAL CLIENT LIBRARIES

Enterprise SDKs & Native Mobile Tooling

Drop-in Kotlin 2.0, Swift 6, and Node.js SDKs with built-in hardware biometric isolation and smart contract interfaces.

Android Kotlin SDK

v2.4.0

Native Jetpack Compose banking components with Android Keystore StrongBox biometrics and Google Pay HCE push tokenization.

implementation("com.y3kmarkets:android-core:2.4.0")

View Source on GitHub →

iOS Swift SDK

v2.4.0

SwiftUI 5 financial components with Secure Enclave FaceID biometrics and Apple Pay PassKit push provisioning.

.package(url: "https://github.com/y3k/swift", from: "2.4")

View Swift Package →

ERC-3643 Contracts

EVM • XRPL

Solidity 0.8.24 securities contracts with ONCHAINID identity claims, compliance rules, and automated dividend distribution.

npm install @unykorn/erc3643-core

View Smart Contracts →

REAL-TIME TELEMETRY // ASYNC WEBHOOKS

Cryptographic Webhook Signature Verification

Every asynchronous event (FedNow settlement, card transaction swipe, KYC approval, on-chain token transfer) is signed with your tenant's HMAC SHA-256 secret.

// Verify incoming webhook signature in Node.js
const crypto = require('crypto');

function verifyWebhook(rawPayload, signatureHeader, secret) {
  const [t, v1] = signatureHeader.split(',').map(p => p.split('=')[1]);
  const expected = crypto.createHmac('sha256', secret)
    .update(`${t}.${rawPayload}`)
    .digest('hex');
  return crypto.timingSafeEqual(Buffer.from(v1), Buffer.from(expected));
}

The Financial Developer Engine for BaaS Core, RWA & MPC Custody