Platform Architecture

SQOOT PURE

Digital Infrastructure for Physical Gold Ownership
End-to-End Process

Transaction Lifecycle

Every gold transaction follows a compliant, auditable path from account opening through fulfillment.
1
KYC Onboard

Identity verification · Compliance check

2
Link Bank

Plaid ACH · Balance verified

3
Select Action

Buy · Store · Gift · Pool · Redeem

4
ACH Funding

Funds transferred via bank rails

5
Gold Sourced

Wholesale purchase · NDA vendor

6
Allocated

Vault stored · Ledger recorded

7
Fulfillment

Vault · Delivery · ACH Payout

◆

Compliance Layer Active at Every Step

AML/KYC verification → Balance check → Transaction limits → Hold period → Provenance tracking → Auditable ownership ledger. Sqoot does not hold or transmit customer funds — all payments via regulated banking partners.

Infrastructure

System Architecture

Four integrated layers powering every transaction from client to vault.
Layer 01
Client
◉

Mobile App

Consumer-facing interface for buy, store, gift, pool, and redeem actions
React Native · iOS + Android
◉

Advisor Dashboard

Wealth advisor portal for client management, bulk transactions, reporting
React · Web App
◉

API / White-Label

REST API for third-party integrations and embedded gold services
REST · Webhook Events
TLS 1.2+ Encrypted
Layer 02
Platform
◆

KYC / AML Engine

Identity verification, sanctions screening, ongoing monitoring. Compliance-first from first click.
AML/KYC Framework
◆

Transaction Engine

Order management, pricing, margin calculation, transaction limits, hold periods
Lambda · Serverless
◆

Ownership Ledger

Auditable record of every transaction — purchase, allocation, transfer, redemption. Full provenance.
Auditable · Compliance-Grade
◆

Notification Service

Transaction confirmations, price alerts, advisor notifications, compliance flags
Event-Driven
AES-256 Encrypted at Rest
Layer 03
Infrastructure
■

AWS Core

RDS (database), Lambda (compute), S3 (storage), KMS (key management)
AWS · Multi-AZ
■

Cloudflare Edge

Workers for edge compute, D1 for edge database, CDN for global performance
Cloudflare · Global Edge
■

Plaid ACH

Bank account linking, balance verification, ACH fund transfer. MFA-protected access.
Plaid · Bank Rails
NDA · Contracted Partnership
Layer 04
Supply Chain
◆

Wholesale Dealer

One of North America's largest precious metals dealers. Contracted NDA. Buy/sell at wholesale pricing.
Contracted · NDA Partner
◆

Vault & Custody

Class 3 UL-rated facilities. 24/7 armed security. Segregated, individually allocated storage.
Class 3 UL · Lloyd's Insured
◆

Refinery

Full refinery services under contracted wholesale agreement. Integrated with vault operations.
Integrated · Same Partner
Data Flow

Buy Transaction — System Path

How a single gold purchase moves through the platform from client action to vault allocation.

Client

Selects gold · Initiates buy · Confirms amount

→ ACH

Platform

Validates KYC · Checks balance via Plaid · Applies limits · Initiates hold period

→ Order

Wholesale

Gold sourced at wholesale · Allocated to client · Recorded on ownership ledger

Vault Storage

Segregated allocation · Lloyd's insured · Provenance tracked · 0.12%/yr

or Choice

Physical Delivery

Insured shipment · Chain-of-custody documentation · Tracking provided

or Gift

Gift Transfer

Recipient notified · Opens account · Completes KYC · Gold allocated in vault

Exit Path

Redeem Transaction — Vault to Bank

Client Vault

Selects holdings · Initiates sell at market price

→ Sell

Platform

Executes commodity transaction · Records on ownership ledger · Calculates proceeds

→ ACH

Client Bank

Funds delivered via ACH to linked bank account after transaction completion

◆

Commodity Transaction — Not Money Transmission

All transactions are executed as commodity purchases. No MSB registration required. Gold is classified as a commodity under U.S. law. Sqoot does not hold or transmit customer funds at any point.

Ecosystem

Partner Infrastructure

Each partner handles a critical layer. No single point of failure.
Technology

AdDevice Tech Studio

Platform build · AWS/Cloudflare · Mobile · API · Ownership ledger

Supply Chain

Wholesale Dealer

Precious metals · Vault · Refinery · Buy/sell execution · NDA

Payments

Plaid

ACH funding · Bank linking · Balance verification · MFA security

Distribution

Wealth Advisors

15,870 fee-only RIAs · Advisor dashboard · Client onboarding · Phase 1 GTM

Security

Compliance & Security Stack

Policies
Enterprise

Information Security

Policy v2.0 · Adapted from Fortune 500 engagements

Cyber Security

Threat prevention · Incident response · Monitoring

BC / DR

Business continuity · Disaster recovery · Multi-AZ

Consumer Privacy

Data protection · Consent management · Compliant
Encryption
Data

In Transit

TLS 1.2+ · All API and client connections encrypted

At Rest

AES-256 encryption · AWS KMS key management

Access Control

MFA required · Role-based permissions · Audit logging
Physical
Vault

Class 3 UL Vaults

Highest commercial classification · 24/7 armed · Biometric · Seismic

Lloyd's Insurance

All-risk coverage · Industry standard · Comprehensive vault insurance

Segregated Storage

Individually allocated · Full provenance · Auditable ownership ledger
Commodity — No MSB Required
Plaid ACH — Bank Rails
Auditable Ownership Ledger
Lloyd's Vault Insurance
Fortress Gold Inc. DBA Sqoot · Wyoming Corporation
All transactions are executed as commodity purchases, not custodial money transmission.
Sqoot does not hold or transmit customer funds — all payments via regulated banking partners.

jay@sqoot.us · sqoot.us