Digital Asset Infrastructure

Institutional Wallet

A wallet built for institutions, not individuals. Multi-signature governance, compliance-integrated transaction approval, and cryptographic evidence on every movement. Every outbound transfer is attested by the Verdict Engine and sealed to CourtChain™ before execution.

Consumer wallets optimize for speed and simplicity. Institutional wallets must optimize for governance, compliance, and evidence. The JIL Institutional Wallet integrates attestation at the transaction layer, not as an aftermarket compliance wrapper.

Executive Summary Architecture Use Cases Demo / POC Technical DesignGated

At a glance

The wallet is the compliance infrastructure.

Every transfer request passes through the Verdict Engine before execution. Every executed transfer produces a sealed CREB®. Approval governance enforced at the cryptographic layer, not as application-level logic.

Multi-sig
Configurable governance
Pre-transfer
Verdict Engine attestation
CREB®
Per movement
Post-quantum
Dilithium-III available

Four use cases

From custody operations to treasury governance.

01 · INSTITUTIONAL CUSTODY OPS

Custodians + exchanges + fund admins

Custodians, exchanges, and fund administrators managing digital assets on behalf of clients. Every inbound deposit is screened by WIE. Every outbound transfer requires multi-sig approval and Verdict Engine attestation before execution. The custodian's compliance record is sealed to CourtChain™ in real time, not reconstructed for quarterly audits.

02 · TREASURY MANAGEMENT

Corporate digital-asset treasuries

Corporate treasuries holding digital assets for operational or reserve purposes. The Institutional Wallet enforces policy-based spending controls, approval hierarchies, and counterparty verification. Every treasury movement produces sealed evidence of authorization, policy compliance, and counterparty attestation. Designed for CFO-level governance over digital-asset positions.

03 · MULTI-SIG GOVERNANCE

Role-based, time-locked, quorum

Configurable multi-signature approval workflows with role-based access, time-locked transfers, and quorum requirements. The wallet enforces governance rules at the cryptographic layer, not as application-level logic. Approval events are signed individually and sealed to CourtChain™. The governance record is auditable, re-verifiable, and admissible.

04 · COMPLIANCE-INTEGRATED

AML + sanctions + counterparty

AML, sanctions, and counterparty screening integrated at the transaction layer. Every transfer request is screened by WIE and attested by the Verdict Engine before the wallet signs. Flagged transfers are held pending review. The wallet produces a continuous PoCS visible to compliance officers, auditors, and regulators without requiring log reconstruction.

How it works

2-of-3 MPC threshold, then 14-of-20 BFT signing ring.

When a transfer is initiated, the request passes through WIE screening and Verdict Engine attestation. If the verdict is Pass, the wallet signs and broadcasts. If Review or Block, the transfer is held. Every step is sealed to CourtChain™. Multi-sig approvals are collected cryptographically and recorded individually. Post-quantum signing (Dilithium-III) available for institutions requiring quantum-resistant infrastructure.

2-of-3 MPC triangle · 14-of-20 BFT signing ring

Institutional Wallet - MPC Triangle + BFT Signing Ring The wallet uses 2-of-3 MPC threshold signing across three shards (user device, JIL escrow, jurisdiction co-signer). Any two reconstruct the signing intent without ever reassembling the full private key. The signed intent then passes through the 14-of-20 BFT validator ring on JIL L1 (validators across 13+ jurisdictions). Only when both MPC threshold AND BFT quorum sign does the transfer broadcast to the chain. 2-of-3 MPC threshold 14-of-20 BFT ring · JIL L1 Outcomes 2-of-3 signed User device shard 1 JIL escrow shard 2 Jx co-signer shard 3 Any 2 of 3 · full key never reassembled Ed25519 + Dilithium-III hybrid 14 / 20 BFT quorum · 13+ jx Active validators in gold · standby validators dim Sign + broadcast Transfer signed by 14+ validators CREB® sealed on CourtChain™ Hold Policy review · WIE flag raised Manual approval queued Reject Policy violation · spend limit / sanctions Sealed denial · no broadcast CourtChain™ seal - every shard contribution + validator signature recorded

What you get

Compliance baked in at the cryptographic layer.

  • Pre-transfer attestation. Every outbound transfer verified by the Verdict Engine before the wallet signs. No unattested movements.
  • Multi-sig governance. Role-based approval workflows with configurable quorum, time-locks, and spending limits. Cryptographically enforced.
  • WIE integration. Wallet Intelligence Engine screening on every counterparty. Risk scores and flags sealed as evidence.
  • Sealed evidence per movement. CREB® issued for every transfer. CourtChain™ sealed. 15+ year retention. FRE 902(14) self-authenticating.

What this is not

Institutional infrastructure - not a retail wallet or a custodian.

  • Not a consumer wallet. No retail UX, no browser extension, no mobile app for individuals. This is institutional infrastructure.
  • Not a custody service. JIL provides the wallet infrastructure. The institution holds its own keys.
  • Not chain-specific. Multi-chain support. The wallet is infrastructure, not a single-network tool.
  • Not a compliance overlay. Attestation is integrated at the signing layer, not bolted on after the fact.

Pricing and deployment

Flat-fee licensing. No percentage of AUM.

DimensionTerms
ModelFlat-fee licensing. No percentage of AUM, no per-transaction fees on the wallet itself. Verdict Engine attestation priced separately.
DeploymentSelf-custodied or managed deployment. On-prem, private cloud, or hybrid. Sovereign Stack integration available.
SecurityPost-quantum signing available. HSM integration. SOC 2 Type II in progress. NIST CSF 2.0 self-assessment posted.
EntityInstitutional Wallet operates under JIL Wallet Systems, Inc. (future Delaware C-Corp). Separate from JIL Sovereign Technologies.

Demo + POC

See the Institutional Wallet in a custody workflow.

Request a live walkthrough of multi-sig governance, WIE integration, and pre-transfer attestation. Scoped POC available for institutional operators.

Request POC Sample CREB® record