Certification Dashboard
Complete all 10 lessons, pass the final exam with 85%+, and maintain readiness scores to earn Certified Solicitor status.
🚨 The Mandate
No team member may conduct sales outreach, present to prospective clients, or represent OPTKAS in any solicitation capacity until they have completed all 10 lessons, passed the final exam at 85% or above (with 90%+ on forbidden statements), and the platform readiness score is at or above 75 with no red claims in Legal or Security domains. Certification expires every 90 days.
📚 The Three Buckets Rule
Every statement you make falls into one of three categories. Learn them. Live them.
Bucket 1: Verified Facts
Statements backed by on-chain evidence, legal filings, or third-party verification.
- “We have 9 funded mainnet accounts.”
- “The bond program is structured under Wyoming law.”
- “CUSIP and ISIN identifiers are assigned.”
Bucket 2: Operational Process
Descriptions of how the platform works — mechanics, procedures, workflows.
- “Escrow uses time-based or crypto-condition release.”
- “Two-of-three multisig is required for transactions.”
- “Reserve attestations are hashed and published on-chain.”
Bucket 3: Forward-Looking Disclosures
Any forward-looking statement MUST be accompanied by risk disclosures. No exceptions.
- “We target a 5% coupon.” → + risk disclosure
- “We aim to launch by Q3.” → + timing risk
- “We’re seeking institutional lender partnerships.” → + no guarantee
Lesson Progress
Certification Status
⚠ Material Misstatement Risk
Complete lessons and the final exam to generate risk assessment.
🌎 Operating Jurisdiction Declaration
Declare all jurisdictions in which you intend to conduct sales outreach. Your certification validity is tied to having reviewed the relevant regulatory entries for each declared jurisdiction within the past 90 days.
🚨 Self-Report Compliance Violation
If you realize you made a statement that may violate compliance rules, self-report immediately. Early self-reporting is treated more favorably than discovered violations.
📚 Capability Register
Every pitch-referenceable capability with its Claim ID, allowed phrasing, required disclaimer, and Proof Pack artifact.
📋 Compliance Audit Log
All certification events, attestations, exams, violations, and system actions are recorded with timestamps.
No audit events recorded yet.
📜 Approved & Forbidden Claims Library
Every word matters. Know exactly what you can and cannot say.
🚨 Absolute Rule
If a claim is not in the Approved list, you do not say it. If a claim is in the Forbidden list and you say it, your certification is suspended immediately. There is no gray area.
🟢 Approved Claims — Platform Identity
| # | Approved Statement | Bucket | Evidence |
|---|---|---|---|
| AP-01 | “OPTKAS is a blockchain-settled capital markets platform.” | Verified Fact | Architecture docs, on-chain txs |
| AP-02 | “We use XRPL as our primary settlement layer and Stellar as a regulated mirror.” | Verified Fact | Mainnet accounts, trustlines |
| AP-03 | “The platform has 134 documented capabilities across 5 layers.” | Verified Fact | Operating Manual |
| AP-04 | “All tokens represent legal claims under off-chain bond agreements.” | Verified Fact | Bond Indenture, legal structure |
| AP-05 | “The SPV is formed under Wyoming law.” | Verified Fact | WY Secretary of State filing |
| AP-06 | “We have 28 TypeScript engines handling business logic.” | Verified Fact | Repository, test suite |
| AP-07 | “Two-of-three multisig governance is enforced on critical accounts.” | Verified Fact | XRPL SignerList, on-chain |
🟢 Approved Claims — Security & Compliance
| # | Approved Statement | Bucket | Evidence |
|---|---|---|---|
| AS-01 | “CUSIP and ISIN identifiers are assigned to the bond program.” | Verified Fact | Securities Transfer Corp records |
| AS-02 | “Insurance coverage of $25.75M is in place.” | Verified Fact | Insurance policy documents |
| AS-03 | “UCC lien filings have been completed in Wyoming.” | Verified Fact | WY SOS UCC filings |
| AS-04 | “All USD collateral is held one-to-one with a qualified custodian.” | Verified Fact | Custody agreement, attestation |
| AS-05 | “No private keys exist in the codebase.” | Verified Fact | Repository audit, .gitignore |
| AS-06 | “1,213+ tests with 97.4% on-chain success rate.” | Verified Fact | Test suite output |
🟢 Approved Claims — Operations
| # | Approved Statement | Bucket | Evidence |
|---|---|---|---|
| AO-01 | “Delivery-versus-Payment uses atomic escrow — neither side settles unless both do.” | Operational Process | EscrowManager code, XRPL escrow txs |
| AO-02 | “Reserve attestations are SHA-256 hashed and anchored on XRPL and Stellar.” | Operational Process | On-chain memo fields, manage-data ops |
| AO-03 | “The platform supports automated coupon payments through waterfall logic.” | Operational Process | BondFactory code |
| AO-04 | “NAV is currently calculated at $4.11M.” | Verified Fact | ReserveVaultEngine output |
| AO-05 | “Circuit breaker triggers at 5% loss; kill switch at 10%.” | Operational Process | TradingEngine code |
| AO-06 | “Any one of three signers can independently freeze the entire system.” | Verified Fact | SignerList + freeze logic |
🔴 FORBIDDEN Statements — Absolute Prohibitions
Saying ANY of these will result in immediate certification suspension and compliance review.
| # | FORBIDDEN Statement | Why It’s Forbidden | Correct Alternative |
|---|---|---|---|
| F-01 | “Guaranteed returns” or “guaranteed 5% yield” | No investment return is guaranteed. The 5% is a coupon rate, not a guarantee. | “The bond carries a 5% coupon rate, subject to issuer performance and risk factors.” |
| F-02 | “Risk-free” or “no risk” | All investments carry risk. Risk elimination is impossible. | “The platform has multiple risk controls including over-collateralization, multisig, and circuit breakers.” |
| F-03 | “Better than banks” or “replaces your bank” | OPTKAS is not a bank and does not accept deposits. | “OPTKAS provides blockchain-settled capital markets infrastructure.” |
| F-04 | “SEC approved” or “SEC registered” | OPTKAS has not received SEC approval or registration. | “The program is structured with CUSIP/ISIN identifiers and a qualified transfer agent.” |
| F-05 | “You can’t lose money” | Investors can lose their entire investment. | “Over-collateralization at 250% provides significant protection, but all investments carry risk.” |
| F-06 | “This is better than stocks” or “better than crypto” | Comparative superiority claims are unsubstantiated and regulatory violations. | “This is a fixed-income platform with specific risk characteristics different from equities or crypto.” |
| F-07 | “We’re fully regulated” or “fully licensed” | The regulatory pathway is in progress. Licensing is not complete. | “We operate under Wyoming law with qualified service providers and are developing our regulatory pathway.” |
| F-08 | “Get in early” or “limited opportunity” | Urgency tactics are manipulative and prohibited. | “Here is what the platform does. Here is the evidence. Take the time you need.” |
| F-09 | “I personally invest in this” (if untrue) | Any false personal testimony is fraud. | Only state personal involvement if factually accurate and documented. |
| F-10 | “Tokens will increase in value” | Price appreciation predictions are speculative and prohibited. | “Tokens represent legal claims. Their value is tied to the underlying bond agreements.” |
| F-11 | “Similar to Blackstone/Goldman/Citadel” | Implying equivalence with established firms is misleading. | “We use similar analytical methods such as Monte Carlo VaR, but at a different scale.” |
| F-12 | “Your money is insured” or “FDIC insured” | OPTKAS is not FDIC insured. The $25.75M coverage has specific scope. | “The program has $25.75M in insurance coverage. Review the policy for specific terms and exclusions.” |
🟠 Conditional Claims — Require Risk Disclosure
| # | Statement | Required Disclosure |
|---|---|---|
| C-01 | “The bond carries a 5% coupon rate.” | “Coupon payments are subject to issuer performance. Past or target rates do not guarantee future payments.” |
| C-02 | “We target institutional lender partnerships.” | “No partnerships have been finalized. There is no guarantee any will materialize.” |
| C-03 | “We plan to disable the master key.” | “This is a planned security enhancement. It has not been implemented yet.” |
| C-04 | “The trading engine can execute algorithmic orders.” | “The trading engine is currently in dry-run mode and has not been activated for live trading.” |
| C-05 | “We aim to launch the primary offering.” | “Launch timelines are subject to regulatory, legal, and operational readiness. No date is guaranteed.” |
| C-06 | “Over-collateralization is currently at 250%.” | “Collateralization ratios can change based on asset values and market conditions.” |
👤 Your Role & Authority
Module S1: Identity & Ethics • What you are. What you are not. Why it matters.
Learning Objectives
- Understand your legal classification as a solicitor, not a broker-dealer or financial advisor
- Know the boundary between describing the platform and providing investment advice
- Recognize the regulatory implications of misrepresenting your role
- Identify the exact language to use when introducing yourself
What You Are
You are a platform solicitor. Your job is to describe the OPTKAS platform — its architecture, capabilities, and operational processes — to eligible prospects. You present facts. You deliver the Proof Pack. You answer technical questions with documented evidence.
You are the front door, not the decision-maker. Your authority is limited to: introducing the platform, presenting verified materials, scheduling detailed briefings, and collecting prospect information for onboarding review.
What You Are NOT
- Not a broker-dealer. You do not execute trades or facilitate securities transactions.
- Not a financial advisor. You do not provide personalized investment recommendations.
- Not a portfolio manager. You do not manage client money or make allocation decisions.
- Not a lawyer. You do not interpret legal documents or give legal opinions.
- Not a guarantor. You do not promise returns, outcomes, or timelines.
Your Introduction Script
💬 USE THIS:
“I represent the OPTKAS platform team. My role is to walk you through the platform’s architecture, share our documentation and evidence packages, and answer any technical questions. I am not a financial advisor and nothing I share constitutes investment advice. All investment decisions should be made after independent review with your own legal and financial counsel.”
The Boundaries
✅ You CAN
- Describe platform architecture and capabilities
- Share the Proof Pack and supporting documents
- Explain how escrow, multisig, and settlement work
- State verified facts from the operating manual
- Direct prospects to legal counsel for investment decisions
⛔ You CANNOT
- Say “you should invest” or “this is a good investment”
- Provide tax advice or legal interpretations
- Make return projections or guarantee timelines
- Pressure or create urgency (“limited time”, “get in early”)
- Discuss other clients’ investments or participation
📝 Lesson 1 Quiz
📜 Claims Policy & Three Buckets
Module S1: Identity & Ethics • Every word categorized. Every statement accountable.
Learning Objectives
- Master the Three Buckets classification system for all statements
- Identify which bucket any given claim belongs to
- Know when risk disclosures are mandatory
- Understand the consequences of bucket misclassification
Bucket 1: Verified Facts
A verified fact is a claim that can be independently confirmed through on-chain data, legal filings, or third-party records. You are always cleared to state verified facts without qualification.
Test: Can someone verify this claim right now without asking us? If yes, it’s Bucket 1.
Examples: “9 mainnet accounts” (check on xrpscan.com), “CUSIP assigned” (check with STC), “Wyoming SPV” (check WY SOS).
Bucket 2: Operational Process
An operational process describes how something works — a workflow, a mechanism, a procedure. These are factual descriptions of system behavior.
Test: Does this describe a mechanism rather than a promise? If yes, it’s Bucket 2.
Examples: “Escrow uses crypto-condition release”, “Two-of-three multisig governs critical accounts”, “Monte Carlo simulations run at 10,000 iterations.”
Bucket 3: Forward-Looking Disclosures
Any statement about the future — targets, plans, projections, timelines — is a forward-looking disclosure. These MUST be accompanied by a risk disclosure. No exceptions.
Test: Does this statement describe something that hasn’t happened yet? If yes, it’s Bucket 3 and requires disclosure.
Critical: If you state a Bucket 3 claim without the required risk disclosure, you are making a material misstatement. This can result in certification suspension.
Misclassification Consequences
- Bucket 3 stated as Bucket 1 = Material misstatement. Certification suspended. Compliance review triggered.
- Forbidden statement stated at all = Immediate certification revocation. Legal review.
- Bucket 2 stated as Bucket 1 = Minor but still correctable. Retraining required.
📝 Lesson 2 Quiz
📦 What OPTKAS Sells
Module S2: Product & Proof • Platform services, not investment returns.
Learning Objectives
- Understand that OPTKAS sells platform technology and infrastructure services
- Distinguish between platform services and investment products
- Articulate the five layers without making performance claims
- Know what revenue comes from (onboarding fees, platform fees) vs. what it does not (commissions on returns)
The Product Is the Platform
OPTKAS is not selling an investment. It is selling infrastructure — a five-layer capital markets platform that provides legal structuring, custody integration, automation, evidence anchoring, and blockchain settlement.
Think of it like this: We sell the highway, not the cars. We build and operate the settlement rails. What happens on those rails — the specific investment outcomes — depends on market conditions, legal structures, and factors beyond anyone’s control.
What We Do NOT Sell
- Not investment returns. We do not sell yield, profit, or financial outcomes.
- Not financial products directly. Bonds are issued by the SPV under legal agreements.
- Not banking services. We do not accept deposits, lend, or provide custody.
- Not trading services. DEX and AMM are native ledger features.
Revenue Model — Where Money Comes From
💰 Platform Revenue Sources
- Onboarding Fees: One-time setup fees for new participants
- Platform Service Fees: Ongoing fees for infrastructure usage
- AMM Trading Fees: Passive fees from liquidity pool operations
- Technology Licensing: Potential licensing of platform technology
⛔ NOT Revenue Sources
- Commission on investment returns
- Performance fees tied to bond outcomes
- Volume-based bonuses or kickbacks
- Referral fees without disclosure
📝 Lesson 3 Quiz
🔎 Proof Pack Mastery
Module S2: Product & Proof • Every claim backed by evidence. Every document versioned.
Learning Objectives
- Know every document in the Proof Pack and its purpose
- Understand document versioning and why only current versions are valid
- Map claims to specific evidence artifacts
- Know how to present the Proof Pack without editorializing
The Proof Pack
The Proof Pack is the definitive evidence package that supports every claim OPTKAS makes. It is version-controlled, regularly updated, and the ONLY material you are authorized to share with prospects. You do not create your own materials. You do not paraphrase legal documents. You deliver the Proof Pack.
Required Documents
| # | Document | Purpose | Version Control |
|---|---|---|---|
| PP-01 | Operating Manual (134 Capabilities) | Complete platform architecture reference | GitHub versioned, CHANGELOG tracked |
| PP-02 | Bond Program Summary | Legal structure, terms, SPV details | PDF v-stamped, hash-anchored |
| PP-03 | Risk Disclosure Statement | All material risks and disclaimers | Legal review dated, signed |
| PP-04 | Participation Agreement Template | Standard form for eligible participants | Legal counsel approved |
| PP-05 | On-Chain Evidence Report | XRPL + Stellar transaction proofs | Generated from live chain data |
| PP-06 | Insurance Certificate | $25.75M coverage documentation | Insurer issued, annually renewed |
| PP-07 | UCC Filing Confirmation | Wyoming secured interest proof | Secretary of State records |
| PP-08 | Verification Engine Report | Current readiness scores across 6 domains | Live, self-service, timestamped |
Presentation Rules
- Present, don’t interpret. Hand them the document. Let them read it. Answer factual questions only.
- Never paraphrase legal documents. If asked about legal terms, direct them to counsel.
- Always use current versions. Check version dates before every meeting. Old documents are void.
- Log every delivery. Record what was shared, with whom, when, and via what channel.
📝 Lesson 4 Quiz
👥 Client Onboarding Flow
Module S3: Onboarding & Agreements • Step-by-step. No shortcuts.
Learning Objectives
- Execute the 8-step onboarding process from first contact to active participation
- Know what qualifies a prospect as eligible
- Understand mandatory cooling-off periods and documentation requirements
- Know when to escalate vs. when to proceed
The 8-Step Onboarding Process
Initial Contact & Qualification
Determine prospect eligibility. Accredited investor verification, institutional mandate check, or qualified purchaser status. Document the qualification basis.
Platform Briefing
Deliver the standard platform briefing using approved materials only. Walk through the 5-layer architecture. Answer technical questions. No investment recommendations.
Proof Pack Delivery
Provide the complete Proof Pack. Log delivery date, recipient, and version numbers. Allow independent review time. Do not pressure for immediate response.
Risk Disclosure Review
Walk through the Risk Disclosure Statement. Ensure the prospect acknowledges all material risks. This step is not optional and must be documented.
Cooling-Off Period
Minimum 48-hour cooling-off period after Proof Pack delivery before accepting any signed agreements. No contact during this period unless the prospect initiates.
Agreement Execution
Collect signed Participation Agreement, Risk Acknowledgment, and KYC/AML documentation. Verify all signatures and dates. Forward to compliance for review.
Compliance Verification
Compliance team reviews all documentation. KYC/AML screening completed. Accreditation verified. No further contact until compliance clears the prospect.
Wallet Provisioning & Activation
Once cleared, trustlines are set, accounts are provisioned, and the prospect becomes an active participant. Deliver the Client Portal access and operational guide.
📝 Lesson 5 Quiz
📄 Legal Agreements & Disclosures
Module S3: Onboarding & Agreements • Required documents. No negotiation. No interpretation.
Learning Objectives
- Know every required document and its purpose
- Understand why you never interpret legal terms
- Know the difference between your role and legal counsel’s role
- Handle “Can you explain this clause?” correctly
Required Agreements
| Document | Purpose | Your Role |
|---|---|---|
| Participation Agreement | Defines terms of participant’s involvement | Deliver, collect signature, do not modify or explain terms |
| Risk Disclosure Statement | Communicates all material risks | Walk through each risk category, confirm acknowledgment |
| Accredited Investor Verification | Confirms eligibility under Reg D | Collect completed form, forward to compliance |
| KYC/AML Documentation | Identity verification, sanctions screening | Collect required documents, forward to compliance |
| Solicitor Disclosure Form | Discloses your compensation arrangement | Provide to prospect before any agreement is signed |
The “Can You Explain This Clause?” Protocol
💬 USE THIS:
“That’s a great question. I’m not authorized to provide legal interpretation of agreement terms. I’d recommend reviewing that section with your legal counsel. I can tell you what the document covers generally, but specifics of legal terms should be reviewed by your attorney.”
📝 Lesson 6 Quiz
💰 Fee Structure
Module S4: Fees & Money • Transparent. Documented. No hidden charges.
Learning Objectives
- Articulate the complete fee structure to prospects
- Explain what participants pay and what they receive
- Know the difference between onboarding fees and service fees
- Handle fee objections with facts, not persuasion
Fee Categories
| Fee Type | Description | Disclosure Requirement |
|---|---|---|
| Onboarding Fee | One-time setup fee for account provisioning, trustline configuration, and compliance processing | Disclosed in Participation Agreement before signing |
| Platform Service Fee | Ongoing fee for infrastructure access, settlement processing, and reporting | Disclosed with frequency and calculation method |
| AMM Trading Fee | Fee earned from liquidity pool operations (passive, not charged to participants) | Explained as platform revenue, not participant cost |
Fee Objection Handling
💬 When asked “Why should I pay these fees?”:
“The fees cover the cost of operating institutional-grade infrastructure: multi-signature governance, dual-chain settlement, automated compliance, real-time risk monitoring, and evidence anchoring. Every fee is disclosed in the Participation Agreement before you sign. I’d encourage you to compare the infrastructure provided against the fee structure and make your own assessment.”
⛔ NEVER say: “It’s worth it because of the returns.” “You’ll make it back quickly.” “This is cheaper than competitors.”
📝 Lesson 7 Quiz
💳 Compensation & Conduct
Module S4: Fees & Money • How you get paid. What disqualifies you.
Learning Objectives
- Understand the solicitor compensation structure
- Know why commissions cannot be tied to investment returns
- Understand documentation requirements for every client interaction
- Know immediate disqualification triggers
Compensation Structure
How You Earn
- Onboarding Fee Share: Percentage of the one-time onboarding fee for each successfully onboarded participant
- Platform Service Share: Ongoing percentage of platform service fees from your referred participants
- Training Bonus: Bonus for completing advanced certifications and maintaining compliance
Compensation Prohibitions
⛔ Absolute Prohibitions
- No return-tied commissions. Your compensation is NEVER linked to investment performance or returns.
- No volume bonuses. No bonus for hitting participant targets or AUM thresholds.
- No undisclosed referral fees. Every referral arrangement must be documented and disclosed.
- No personal investment solicitation. You may not solicit investments for your own account through your role.
Required Documentation Per Interaction
Every client interaction — call, meeting, email, message — must be documented with:
- Date, time, and duration
- Participants (names and roles)
- Topics discussed (summary)
- Materials shared (with version numbers)
- Questions asked and answers provided
- Follow-up actions committed
- Compliance checkbox: “All statements made were within approved claims”
Immediate Disqualification Triggers
- Using any Forbidden Statement (F-01 through F-12)
- Failing to deliver required risk disclosures
- Modifying legal agreement templates
- Skipping the cooling-off period
- Making undocumented client contact
- Sharing outdated or unapproved materials
- Personal investment solicitation through your role
📝 Lesson 8 Quiz
⚠ Risk Disclosures & Objection Handling
Module S5: Compliance & Risk • Every risk stated. Every objection handled with truth.
Learning Objectives
- Know every material risk category and how to present it
- Handle common objections without making prohibited claims
- Understand when “I don’t know” is the correct answer
- Master the “Acknowledge, Reframe, Evidence” objection protocol
Material Risk Categories
| Risk Category | Description | Required Disclosure Language |
|---|---|---|
| Market Risk | Asset values can decline due to market conditions | “All investments carry market risk. Values can decrease.” |
| Liquidity Risk | Positions may not be readily liquidated | “These are illiquid instruments. Exit may not be immediate.” |
| Credit Risk | Issuer may fail to meet obligations | “Coupon and principal payments depend on issuer performance.” |
| Technology Risk | Blockchain and software systems can fail | “Technology carries inherent risks including bugs and outages.” |
| Regulatory Risk | Laws and regulations may change | “Regulatory landscape is evolving. Changes may affect operations.” |
| Counterparty Risk | Third parties may not fulfill obligations | “Service providers including custodians carry counterparty risk.” |
| Total Loss Risk | Entire investment may be lost | “You could lose your entire investment. Only invest what you can afford to lose.” |
The A.R.E. Objection Protocol
Acknowledge → Reframe → Evidence
Example: “How do I know my money is safe?”
- Acknowledge: “That’s the most important question you can ask.”
- Reframe: “Let me show you the specific controls rather than making a claim.”
- Evidence: “Here are the multisig controls, the custody arrangements, the over-collateralization ratio, and the on-chain attestations. Review them independently.”
When to Say “I Don’t Know”
If a question falls outside your documented knowledge, the correct answer is always:
“I don’t have that specific information documented. Let me get you a precise answer from the technical team / legal counsel rather than speculate.”
Never guess. Never speculate. Never make up an answer. An honest “I don’t know” builds more credibility than a fabricated answer.
📝 Lesson 9 Quiz
🏆 Final Certification Exam
Module S5: Certification • 50 questions • 85% required • 90% on forbidden statements • 90-day expiry
🚨 Exam Requirements
- Prerequisites: All 9 lessons completed with passing quiz scores + all attestations signed
- Questions: 50 questions covering all lessons and the Claims Library
- Overall Pass: 85% (43/50 correct)
- Forbidden Statements Section: 90% required on the 10 forbidden statement questions
- Time Limit: 60 minutes
- Retake Policy: 24-hour waiting period between attempts
- Certification Expiry: 90 days from passing date