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CONFIDENTIAL & PROPRIETARY © 2026 Inkwell Finance, Inc. All Rights Reserved. This document is for informational purposes only and does not constitute legal, tax, or investment advice, nor an offer to sell or a solicitation to buy any security or other financial instrument. Any examples, structures, or flows described here are design intent only and may change.

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Security Philosophy

Inkwell is built on a zero-trust, non-custodial architecture where no single party—including Inkwell—ever has unilateral control over user funds.
Core Principle: Trust MinimizationEvery component is designed to minimize trust assumptions. On-chain transparency and cryptographic enforcement replace human discretion wherever possible.

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The Zero-Trust Enforcement Model

Inkwell uses a proprietary enforcement architecture built on Ika’s 2PC-MPC infrastructure. The system ensures that no single party can unilaterally move funds, while enabling automated enforcement of loan covenants.
Technical Details Under NDAThe specific enforcement mechanism is proprietary. Institutional partners and auditors can request detailed technical documentation under NDA by contacting security@inkwell.finance.

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Key Security Properties

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Audit Status

Smart Contract Audit

Status: PlannedCore Sui Move contracts under review by Sui-native security firm.
  • Enforcement logic
  • dWallet integration
  • Oracle price feeds
  • Loan lifecycle

Ika Integration Review

Status: PlannedArchitecture co-validated with Ika core team.
  • 2PC-MPC implementation
  • EdDSA signing flows
  • Cross-chain message passing

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Planned Audits

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Non-Custodial Classification

Inkwell’s architecture is designed to meet SEC 2025 No-Action Letter logic for non-custodial asset control:
  • No unilateral control: Neither Inkwell nor borrower holds full private key
  • Ika TSS network: Decentralized threshold signature scheme provides second share
  • Cryptographic guarantee: Funds cannot be moved without both parties’ participation
  • No custody = No custody regulations: Avoids SEC/FinCEN custody requirements
  • Fixed-cap repayments: All loans have maximum repayment (e.g., 1.3x principal)
  • No governance rights: Lenders have no equity stake or voting power
  • No perpetual revenue share: Obligation ends when cap is reached
  • Designed to fail Howey, pass Reves: Structured as commercial lending, not securities

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Regulatory Framework Alignment

Legal OpinionA formal legal opinion letter on the non-custodial structure is planned for Q1 2026 from a reputable crypto-native law firm.

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Third-Party Validation

Ika Core Team

Direct code review and architecture validation from Ika core engineers.

Sui Ecosystem

Native Move implementation following Sui best practices.

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Bug Bounty (Coming Soon)

A bug bounty program will be launched alongside mainnet deployment in Q2 2026.

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Security Contact

Report vulnerabilities: security@inkwell.finance Please include detailed reproduction steps and potential impact assessment.