Intelligence Layer — Operational

Infrastructure for
Next-Gen Commerce

YAS orchestrates insurance, lending, yield, and EV commerce —powered by distributed core banking, MPC custody, and real-time FPS settlement.

Explore the Pipeline →View Architecture
$100M+Policy-Backed Lending
<3sSettlement
HK · MY · VNRegions
Distributed Core BankingMPC Custody WalletRetail Lending CoreFPS Settlement
Feature 01

Policy Pledge
Loan Assessor

Turn any insurance policy into instant credit. The YAS Intelligence Layer verifies your policy cryptographically, assesses risk, and routes to the institutional lending core. Settled in under 3 seconds.

YAS Role: Insurance oracle — verifies policy via zkTLS, determines LTV
Banking Infrastructure: Distributed core banking — escrow, retail lending engine, stablecoin disbursement
Settlement: < 3 seconds end-to-end, MPC custody for asset security
YAS Intelligence Layer
Loan Assessor Active
LIVE
Verifying AIA Policy via zkTLS Oracle
Policy #HK-2847291 validated
Cash Value Assessment: $18,200 HKD
35% LTV approved
Assessing Risk Model
Credit score: AAA equivalent
Routing to Retail Lending Core
Collateral lock in progress...
Disbursement via MPC Custody
Loan Amount
$5,000
USDC
APR
4.2%
12-month term
LTV Ratio
35%
Conservative
YAS Intelligence Layer
Yield Allocator
LIVE
Scanning Institutional Yield Pools
8 pools evaluated
Risk Assessment via YAS Parametric Engine
Principal protection active
Optimal Allocation Computed
$8k Institutional · $4k Stable Vault
Sweeping Funds into MPC Custody Wallet
Settlement in progress...
Auto-Rebalance Scheduler Armed
Total Deployed
$12,000
2 vaults
Blended APY
7.3%
Optimized
Monthly Income
$73
Projected
Yield Performance
↑ 8.4% APY
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Feature 02

Agentic Yield
Sweep & Allocate

Idle cash earns nothing. The YAS Intelligence Layer scans institutional yield pools, assesses risk via parametric insurance, and sweeps funds into MPC-secured allocations. Auto-rebalanced monthly.

YAS Role: Risk engine — parametric insurance on deposited principal
Banking Infrastructure: Crypto lending core — institutional-grade yield pools with MPC custody
Rebalancing: Auto-rebalance every 30 days for optimal APY
Feature 03

Autonomous EV
Telemetry Manager

Your vehicle becomes a self-paying, self-insuring economic agent. The YAS Intelligence Layer ingests telemetry data, triggers FPS settlement smart contracts for charging and tolls, and activates parametric insurance per session.

YAS Role: Parametric insurance engine — telematics-based, per-session pricing
Settlement Infrastructure: FPS payment rail — smart contract auto-pay for all vehicle costs
Vehicle: Tesla API integration — real-time telemetry for pricing & coverage
YAS Intelligence Layer
Telemetry Manager
LIVE
Vehicle Telemetry Connected
Tesla Model 3 LR · Battery 78%
Location Verified: Central, HK
Geofence active
Smart Contract Deployed: FPS Settlement Rail
Auto-pay ChargePoint enabled
Triggering Parametric Insurance
Telematics scoring in progress...
FPS Settlement — Charging Session
Charge Rate
$2.10
per kWh
Insurance
$12
per session
Daily Cap
$50
Adjustable
Speed
0 km/h
Battery
78%
Charge Rate
—
Insurance
Active
Architecture

Institutional Infrastructure,
Natively Integrated

Each YAS engine maps directly to production-grade banking modules — distributed core banking, MPC custody, FPS settlement, and institutional lending — operating as a unified platform.

Y
YAS Pledge
Policy-backed lending & collateral management
Retail Lending CoreMPC Custody WalletCredit Scoring Engine
Y
Assurance Rail
Parametric insurance orchestration & settlement
Distributed Core BankingFPS SettlementReal-Time Clearing
Y
AV/EV Fleet Monitor
Telemetry-driven insurance & auto-pay
FPS SettlementSmart Contract EngineEvent-Driven Ledger
Y
Lifestyle Insurance
Embedded micro-insurance for travel, health, retail
Retail Lending CoreKYC/AML GatewayMulti-Currency Wallet
Y
Crypto Captive Pool
Digital asset yield & captive reinsurance
MPC Custody WalletCrypto VaultInstitutional Yield Pools
IL
The Intelligence Layer unifies all engines through a single orchestration plane