A file that says there's money is a starting point, not money.

Here's what happens to one, what we need, and why. Five steps, straight talk, no runaround.

What the file is

People call it an "M1 file": a document that says money sits in an account somewhere. A screenshot, a PDF, a JSON "confirmation", a bank letter. We record it, we fingerprint it, and we read it. We do not treat it as proof that the money exists. Nobody serious does. A bank doesn't either.

The five steps

Send it inDrop the file on the desk. You get a reference and a tracking code the same minute.

We check the namesCompany, people, bank. Sanctions lists, company registers, bank directories. A hit stops the file; a clear moves it.

The bank speaks for itselfThe bank that holds the money sends a bank confirmation (a bank-to-bank message, an MT799 or MT199) to a receiving bank we name. A bank officer calls the sending bank on a published number. This is the only thing that makes the money real to us.

Units are issued, in tranchesOnly after step 3. Each tranche gets its own bank message. Units can only be held by approved wallets and can only be sold against funded payment: both legs at once, or not at all.

Everyone is paid from the service feeFixed fees by milestone. Introducers get a flat fee, paid automatically by the contract when the milestone lands. Nobody gets a percentage of the money.

What we need from you

Who owns the money: formation certificate, register of members, beneficial owners, ID of the signer.
Where it came from: a short story with the bank history behind it.
Which bank holds it, and that bank's confirmation to our receiving bank.
Written authority from the account owner to issue units against the account.
Your lawyer's name, and the verification fee paid up front.

Straight answers

No: we will not mint a token so a balance "shows on Etherscan" to someone else. A number on a block explorer that no bank stands behind is a number we typed. We don't do that for anyone.

No: a "receiver", a "paymaster", a credit line against an unverified file, or a percentage to anyone in the chain.

Yes: a real position, a real bank message, real units, real settlement, real flat fees, usually inside two weeks of the bank message landing.

Yes: most files stop at step 3. That's fine. The verification fee is earned either way, and the ones that pass are worth the work.

Why it's built this way

Every freeze, every receiver who "got greedy", every deal that stalled for months in this trade came from the same place: moving before the bank spoke. Putting the bank first removes the surprise, and surprise is what compliance desks freeze.

Send a file to the desk

NY RWA is a brand of UnyKorn LLC (Wyoming). UnyKorn LLC is a technology and administration service provider, not a bank, broker-dealer, custodian, money transmitter or issuer. Not legal, tax or investment advice. Powered by Dignity Gold.