Built for Treasury, Settlement,
and Institutional Control
Institutions need control without custody dependency. JIL provides self-custody infrastructure with built-in governance, policy enforcement, compliance, and audit capabilities. Your keys, your rules, your assets.
Who this is built for
Financial Institutions
Banks, payment processors, and fintechs that need settlement infrastructure with compliance.
Corporations
Corporate treasuries managing digital assets across entities with policy enforcement.
Funds & Family Offices
Asset managers, hedge funds, and family offices needing self-custody with governance.
Governments & SOEs
Sovereign entities and state-owned enterprises requiring transparent, auditable operations.
JIL replaces custody with control.
- You request access to your own funds
- You wait for a third party to approve
- Someone else holds your assets and keys
- Withdrawals depend on external teams
- Operations require calls, tickets, and delays
- You own your keys at every tier
- You define the rules - the system enforces them
- Your assets are never held by JIL
- Your treasury operates independently
- Every transaction: initiated by you, approved by your rules, executed by your keys
Everything institutions need. Nothing they do not.
Workflow integrity, policy enforcement, role clarity, proof trails, and treasury-grade visibility across assets, movements, and counterparties.
Multi-Entity Treasury
Parent companies, subsidiaries, funds, SPVs - all in a single hierarchy. Internal netting engine reduces fees and on-chain load. Auto-rebalancing keeps capital allocation optimal across entities.
SentinelAI Security (8 Engines)
Real-time threat detection: auth risk, session trust, wallet anomaly, treasury anomaly, device risk, dependency health, response policy, and alerting. Configurable sensitivity per engine.
Three Custody Modes
Pure Self-Custody (keys on device), Policy-Controlled Self-Custody (user keys + governance gates), or HSM-Assisted Signing (enterprise HSM, not JIL-controlled). Choose per sub-account.
Cooling-Off Security Model
Role changes trigger 24-72h delays. Policy modifications require multi-party confirmation. Large withdrawals enforce configurable cooling periods with stakeholder notification and cancellation windows.
Pre-Trade Risk Simulation
Simulate any transaction before execution: balance sufficiency, policy validation, counterparty risk, slippage estimate, gas fees, risk score impact, and approval requirements.
13-State Transaction Lifecycle
Draft - Validated - Policy Check - Approval - Cooling Period - Ready to Sign - Signed - Broadcast - Confirmed - Settled - Finalized. Full forensic replay on every state transition.
Programmable Governance
Define who can move funds, how much, when, and who must approve. Policy engine evaluates: hard blocks, threshold rules, role rules, time rules, and custom enterprise policies. Conflicts resolved automatically.
Counterparty Management
Risk-scored directory (0-100) of exchanges, custodians, banks, and OTC desks. KYB verification, address whitelisting, daily limits, and sanctions screening on every counterparty interaction.
Risk & Insurance Layer
Transaction risk scoring (amount + counterparty + velocity + jurisdiction). Optional insurance via Lloyds of London up to $50M. Claims management, incident tracking, and entity-level risk breakdowns.
Sub-Account Architecture
Operating, Reserve, Settlement, and Cold Storage sub-accounts. Independent custody mode, policy set, approval workflow, and balance tracking per account. Department-level controls.
Real-Time Monitoring & Alerts
Large transaction alerts, policy violations, suspicious activity detection. Severity-based routing: info, warning, critical, emergency. Device context and action-taken tracking on every alert.
Compliance by Design
KYC/KYB integration, sanctions screening, on-chain policy evaluation and attestation, policy-based transaction blocking, and exportable audit logs. ATCE compliance reporting built in.
Three modes. Your keys, your rules.
Even when a custodian is involved, they are a participant, not the owner. Custodians cannot unilaterally move funds, bypass policies, or override delays.
Pure Self-Custody
Keys held locally on device or hardware wallet. Full control, no dependencies. Default for consumer accounts.
- Keys on your device
- No custodian involvement
- Direct signing
Policy-Controlled Self-Custody
User-controlled keys with execution gated by approvals, policies, and time delays. The primary enterprise mode.
- 2-of-3 MPC threshold
- Policy engine gates execution
- Cooling periods enforced
HSM-Assisted Signing
Enterprise HSM signs transactions. Rules enforced by the enterprise, not JIL. Important: JIL does not control keys.
- Enterprise-managed HSM
- JIL never holds keys
- Governance still enforced
Critical actions cannot be rushed.
You cannot change a role and instantly withdraw funds. You cannot modify policies and bypass controls. Every critical action triggers a delay, generates alerts, and allows intervention.
Your treasury operates independently.
No calls, no tickets, no delays. JIL support cannot move your funds, recover your keys, or override your policies.
- Admin-triggered withdrawals
- Key recovery by support
- Manual overrides
- Backdoor approvals
- User-controlled recovery (social / multi-device)
- Policy-based recovery flows
- Predefined emergency rules
Where others require 4-6 vendors, JIL delivers one system.
Live in 8 steps.
Entity Registration
Define legal entity, basic KYC/KYB, enterprise creation.
Treasury Setup
Create master treasury, define sub-accounts (trading, operations, reserves).
Role Assignment
Admin, Treasury Manager, Risk Officer, Compliance Officer, Auditor.
Policy Configuration
Transfer limits, withdrawal delays, approval thresholds, time rules.
Key Setup
Choose custody mode: self-custody, split-key (recommended), or HSM-assisted.
Approval Workflows
Define thresholds, assign approvers, set cooling periods.
Test Mode
Simulate transactions, validate policies and approval flows.
Go Live
Enable production, activate reporting, turn on alerts and monitoring.
Four tiers. Swap fee ~0.50%.
All tiers include the full policy engine, multi-level approvals, audit trails, and bridge access. All pilots are no-commitment evaluation periods.
Emerging
Growth
Institutional
Enterprise
Available add-ons
Take full control of your treasury.
Not another retail wallet. Not another custodial black box. JIL is the infrastructure institutions use when they need control, compliance, and transparency at scale.
Looking for the consumer wallet? View consumer plans