2.3 Crypto Services

Status: Draft
Owner: Simon
Managed by: Devin
Last Edited: 2026-02-13

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COOWN non-custodial crypto services: multi-signature wallets on ICP, cross-chain token transfers, and shareholder-governed spending controls.

Supported networks: Ethereum Mainnet, Base, ICP native, Keeta Network.

Supported assets: EURe, USDC, ckBTC, ckETH, ICP, ICRC tokens, ERC-20 tokens.

Custody model: M-of-N multi-sig with role-based spending limits.

Key integrations: - DFINITY / Internet Computer — on-chain backend - Monerium — EURe stablecoin, fiat bridge - Ethereum / Base — cross-chain via ICP EVM canister

Risk areas: Private key compromise, smart contract vulnerabilities, cross-chain bridge exploits, insider threat, sanctions exposure, fraud, stablecoin de-peg risk.

Business process relevance: PolyReg membership, ISO 27001 certification, customer wallet provisioning, treasury operations.

Review triggers: New chain integrations, custody model changes, smart contract audits, FINMA/PolyReg guidance, stablecoin regulatory changes.