Platform Documentation

Complete User Guide
From Sign Up to Earning

Everything you need to know about using Meta Ledger—from creating your account to earning interest on your digital assets.

Platform Overview

Meta Ledger is an institutional-grade digital asset platform that combines secure custody with DeFi yield generation. We provide a comprehensive solution for individuals, businesses, and institutions to safely store, grow, and utilize their digital assets.

This documentation will guide you through every step of your journey—from creating your account and completing KYC verification, to depositing assets and earning competitive yields through our lending and borrowing protocols.

Secure

MPC technology, multi-tier storage, and institutional-grade security controls

Compliant

Full KYC/AML verification, regulatory alignment, and audit-ready systems

Profitable

Competitive APYs through lending, staking, and yield optimization strategies

Your Complete Journey

Follow these steps to get started with Meta Ledger and start earning on your digital assets.

Step 01

User Sign Up

Create your Meta Ledger account and start your journey

Step-by-Step Process

  • Visit metaledger.io and click "Sign Up" or "Get Started"
  • Enter your email address and create a strong password
  • Verify your email through the confirmation link sent to your inbox
  • Set up two-factor authentication (2FA) for enhanced security
  • Complete basic profile information (name, country, organization)
  • Accept Terms of Service and Privacy Policy
  • Your account is now created in "Pending Verification" status

Technology Behind This Step

Supabase Auth for secure authenticationEmail verification with time-limited tokens2FA using TOTP (Time-based One-Time Password)Password encryption with bcryptRate limiting to prevent abuse
Step 02

KYC Verification

Complete identity verification to comply with regulations

Step-by-Step Process

  • Navigate to Settings > KYC Verification
  • Choose your entity type: Individual, Business, or Institutional
  • Upload required documents based on your entity type:
  • • Individual: Government ID (passport/driver's license), Proof of Address
  • • Business: Company Registration, Tax ID, Beneficial Owners info
  • • Institutional: Corporate Documents, Board Resolutions, AML policies
  • Provide source of funds declaration
  • Complete liveness check (selfie video for individuals)
  • Submit application for review
  • Typical processing time: 24-48 hours for individuals, 3-5 days for institutions

Technology Behind This Step

Third-party KYC provider integration (Jumio/Onfido)OCR (Optical Character Recognition) for document scanningLiveness detection AI to prevent fraudAML/Sanctions screening against global databasesEncrypted document storage with limited accessCompliance team review dashboard
Step 03

Account Verified

Your account is approved and ready for transactions

Step-by-Step Process

  • Receive email notification of successful verification
  • Account status updated to "Verified" with green badge
  • Access granted to full platform features:
  • • Custody wallets for asset storage
  • • Deposit and withdrawal capabilities
  • • Lending and borrowing protocols
  • • Staking and yield generation
  • Set up transaction policies and approval workflows
  • Configure withdrawal whitelists and velocity limits
  • Invite team members (for business/institutional accounts)
  • Complete onboarding tutorial and platform walkthrough

Technology Behind This Step

Real-time status updates via WebSocketRole-based access control (RBAC) activationMulti-signature wallet generationPolicy engine initializationNotification system (email, SMS, in-app)Audit logging of all account activities
Step 04

Deposit Assets

Fund your account with digital assets

Step-by-Step Process

  • Go to Terminal > Wallets > Deposit
  • Select the asset you want to deposit (BTC, ETH, USDC, etc.)
  • Choose wallet tier: Hot (instant access), Warm (1-hour delay), Cold (24-hour delay)
  • System generates a unique deposit address for you
  • Copy the address or scan the QR code
  • Send assets from your external wallet
  • Wait for required blockchain confirmations:
  • • Bitcoin: 3 confirmations (~30 minutes)
  • • Ethereum: 12 confirmations (~3 minutes)
  • • Stablecoins (ERC-20): 12 confirmations (~3 minutes)
  • Funds appear in your balance once confirmed
  • Receive notification when deposit is credited

Technology Behind This Step

Multi-chain address generation (BTC, ETH, BSC, Polygon, etc.)MPC-based wallet architecture (no single private key)Blockchain monitoring nodes for transaction detectionAutomatic sweeping from hot to warm/cold storageTransaction indexer for real-time balance updatesOracle price feeds for USD valuations
Step 05

Earn Interest

Generate passive income from your deposited assets

Step-by-Step Process

  • Navigate to Terminal > Earn
  • View available earning opportunities:
  • • Lending: Supply assets to the lending pool (variable APY)
  • • Staking: Lock tokens for staking rewards (fixed APY)
  • • Liquidity Provision: Provide liquidity to DEX pools
  • Review current APY rates for each asset
  • Select your preferred earning strategy
  • Choose amount to allocate (must maintain minimum balance)
  • Review terms: interest rate, compounding frequency, withdrawal terms
  • Confirm transaction with 2FA
  • Assets are transferred to the earning protocol
  • Interest accrues in real-time (compound interest)
  • View earnings dashboard with historical performance
  • Withdraw earnings or principal anytime (subject to protocol terms)

Technology Behind This Step

Smart contracts for lending pools (Compound/Aave-style)Utilization-based interest rate modelsReal-time APY calculationsAuto-compounding mechanismsGas optimization for transaction batchingRisk scoring for asset poolsOracle integration for price feeds
Step 06

Borrow Assets

Access liquidity through over-collateralized loans

Step-by-Step Process

  • Go to Terminal > Borrow
  • View your collateral assets and their borrowing power
  • Select asset you want to borrow
  • System calculates:
  • • Maximum borrow amount based on collateral
  • • Loan-to-Value (LTV) ratio (typically 50-75%)
  • • Liquidation threshold (typically 80-85%)
  • • Current interest rate (variable based on utilization)
  • Enter desired borrow amount (must be below max)
  • Review loan terms: interest rate, health factor, liquidation risk
  • Confirm borrowing transaction
  • Borrowed assets credited to your wallet instantly
  • Monitor your loan health factor in real-time
  • Repay anytime to reduce interest and unlock collateral
  • Receive alerts if health factor approaches liquidation threshold

Technology Behind This Step

Over-collateralization smart contractsReal-time collateral valuation using Chainlink oraclesHealth factor monitoring systemAutomated liquidation engineDynamic interest rate calculationsPartial liquidation mechanismsFlash loan protectionCircuit breakers for price volatility

Safety Mechanisms & Security

Multiple layers of security protecting your assets at every level—from custody to smart contracts.

Multi-Party Computation (MPC)

Private keys are never created or stored in one place. Instead, cryptographic key shards are distributed across multiple secure parties.

Threshold signature scheme (3-of-5 or 5-of-7)
Key shards stored in separate geographic locations
Hardware Security Module (HSM) anchoring
No single point of failure
Quantum-resistant algorithms

Multi-Tier Storage

Assets are segregated across hot, warm, and cold storage tiers based on access frequency and security requirements.

Hot Wallets: 5% of funds, instant access
Warm Wallets: 20% of funds, 1-hour timelock
Cold Wallets: 75% of funds, 24-hour timelock + multi-sig
Automatic sweeping based on thresholds
Air-gapped cold storage infrastructure

Policy Engine & Approvals

Customizable transaction policies with multi-level approvals ensure that no unauthorized transactions occur.

Role-based access control (RBAC)
Multi-signature approvals (2-of-3, 3-of-5, etc.)
Withdrawal whitelists (only approved addresses)
Velocity limits (max amount per time period)
Transaction amount thresholds
Time-based restrictions
Audit trails for all actions

Real-Time Risk Monitoring

Continuous monitoring of loan health, market conditions, and security threats to protect your assets.

Health factor tracking for all loans
Price feed monitoring with circuit breakers
Anomaly detection using AI/ML
Automated alerts (email, SMS, webhook)
Liquidation protection mechanisms
Market volatility safeguards

Smart Contract Security

All protocols undergo rigorous security audits and formal verification to ensure code integrity.

Multiple independent security audits
Formal verification of critical functions
Bug bounty programs
Time-locked upgrades (48-hour delay)
Emergency pause mechanisms
Insurance fund for protocol coverage

Compliance & AML

Full regulatory compliance with KYC/AML, sanctions screening, and travel rule adherence.

KYC verification for all users
Real-time sanctions screening (OFAC, UN, EU)
Transaction monitoring and reporting
Travel Rule compliance for withdrawals
Regulatory reporting automation
Jurisdiction-specific compliance rules

$2.8B+

Secured Assets

99.99%

Uptime SLA

5+

Security Audits

0

Security Breaches

Technology Stack

Built with cutting-edge technologies to ensure security, scalability, and performance.

Frontend

  • Next.js 14 with App Router
  • React 18 with TypeScript
  • TailwindCSS for styling
  • Web3.js & Ethers.js for blockchain interaction
  • Real-time updates via WebSocket

Backend

  • Node.js with Express/Fastify
  • PostgreSQL for relational data
  • Redis for caching and sessions
  • RabbitMQ for message queuing
  • GraphQL API for flexible queries

Blockchain

  • Ethereum, Bitcoin, BSC, Polygon support
  • Smart contracts in Solidity
  • Hardhat for development and testing
  • Chainlink oracles for price feeds
  • The Graph for blockchain indexing

Security

  • MPC technology by Fireblocks/ZenGo
  • HSM (Hardware Security Modules)
  • AWS KMS for key management
  • End-to-end encryption (TLS 1.3)
  • Zero-knowledge proofs for privacy

Infrastructure

  • AWS/GCP multi-region deployment
  • Kubernetes for orchestration
  • Docker for containerization
  • CloudFlare for DDoS protection
  • 99.99% uptime SLA with redundancy

Monitoring

  • Prometheus for metrics collection
  • Grafana for dashboards
  • ELK Stack for log aggregation
  • Sentry for error tracking
  • PagerDuty for incident management

Frequently Asked Questions

Common questions about using Meta Ledger

1How long does KYC verification take?

Individual accounts typically take 24-48 hours. Business and institutional accounts may take 3-5 business days due to additional documentation requirements and compliance checks.

2What is the minimum deposit amount?

There is no minimum deposit requirement. However, please note that blockchain network fees apply to deposits and withdrawals, so very small amounts may not be economical.

3How is interest calculated and paid?

Interest is calculated per block (approximately every 12-15 seconds for Ethereum) and compounds automatically. You can view your accrued interest in real-time on the Earn dashboard. Interest is paid in the same asset you deposited.

4What happens if my loan health factor drops?

You'll receive automated alerts when your health factor approaches the liquidation threshold (typically 1.0). You can add more collateral or repay part of your loan to improve your health factor. If liquidation occurs, only a portion of your collateral is liquidated (partial liquidation) to bring your position back to safety.

5Are my assets insured?

Yes. Custody assets are insured through our partnership with leading crypto insurance providers. Smart contract risks are mitigated through an insurance fund built from protocol fees. We also maintain SOC 2 Type II certification and undergo regular third-party security audits.

6Can I withdraw my assets anytime?

Yes, you can withdraw custody assets anytime, subject to the storage tier delay (instant for hot, 1 hour for warm, 24 hours for cold). For assets in earning protocols, you can withdraw immediately if liquidity is available. Borrowed assets must be repaid before withdrawing collateral.

Ready to Get Started?

Join hundreds of institutions and verified clients earning competitive yields on their digital assets.