6.1 Regulatory and Compliance Principles
Onyx operates within existing regulatory frameworks by assigning responsibility to licensed partners at each layer of the stack. The platform coordinates services while regulated entities retain custody, compliance obligations, and reporting authority appropriate to their domain.
Carrier partners deliver telecom services and hold spectrum rights, numbering resources, and lawful intercept responsibilities in their operating jurisdictions. Licensed financial institutions issue cards and manage payments, KYC, AML, sanctions screening, and settlement.
Onyx enforces geographic controls across the platform to ensure service availability aligns with partner coverage and regulatory requirements. The system applies these constraints programmatically and updates them as conditions change.
Onyx treats compliance as an operating condition, not a product feature. The platform adapts to regulatory evolution without disrupting the user experience or core service continuity.
6.2 Risk Management Framework
Onyx maintains a formal risk management framework across technical, operational, regulatory, and execution domains. The company identifies risks early, monitors them continuously, and mitigates them through structural design choices.
Onyx manages partner dependency risk through modular integrations and provider abstraction. No single telecom, payments, or infrastructure partner controls system behavior. The platform supports partner substitution without interrupting user access or service continuity.
Onyx mitigates regulatory risk through jurisdictional separation of business functions. The company aligns corporate structure, payments issuance, and telecom operations with appropriate regulatory environments to reduce concentration risk.
Onyx manages hardware supply chain risk through phased production, conservative volume commitments, and ODM-led certification and manufacturing processes.
Onyx addresses execution risk through staged rollouts, explicit dependency mapping, and strict scope discipline. The team ships features only when they strengthen continuity, reliability, or economic durability.
Onyx reviews risk assessments and mitigation strategies on an ongoing basis and updates them as the platform scales.