Five-Bank Custody · Ring-Fenced SPV · Multi-Signature Release · Human Override · MAS + SEC Regulated
This agreement governs the custody, safekeeping, and release of all client assets managed by the PG-AI platform. The agreement is tripartite: between the custodian banks, PG-AI (via its regulated SPV), and an independent compliance officer.
All client assets are held by the SPV (PG-AI Custody Holdings Pte. Ltd.) as nominee on behalf of the beneficial owners (clients). In the event of PG-AI Inc.'s insolvency, liquidation, or cessation of operations, client assets held by the SPV shall not form part of PG-AI Inc.'s bankruptcy estate and shall not be available to PG-AI's creditors.
所有客户资产由 SPV 作为名义持有人代持。若 PG-AI Inc. 破产、清算或停止运营，SPV 持有的客户资产不进入 PG-AI 的破产财产，不可被 PG-AI 的债权人追索。
Any transfer of assets with value exceeding USD $50,000 (or equivalent) requires the concurrent digital signatures of all three parties:
(a) The custodian bank's treasury operations desk;
(b) The PG-AI LLM orchestrator (automated, mandate-bounded);
(c) The independent compliance officer.
No two parties acting together can authorize a release without the third. The compliance officer retains unilateral veto power over any transfer.
超过 $50,000 的任何资产转移须三方同时签名：托管行资金部 + PG-AI LLM 编排器 + 独立合规官。任意两方不能在缺少第三方的情况下授权。合规官拥有单方否决权。
The independent compliance officer, appointed by MAS and the custodian consortium, has the authority to:
(a) Veto any AI-initiated transfer that exceeds mandate parameters;
(b) Freeze all outbound fund movements for up to 72 hours pending investigation;
(c) Escalate to MAS for immediate regulatory intervention;
(d) Request a full forensic audit of any skill's execution history.
独立合规官有权：否决超出授权的 AI 转账；冻结所有出金最多 72 小时；提交 MAS 即时干预；要求对任何 Skill 执行历史进行法证审计。
In the event of platform failure, the MAS (for APAC assets) and SEC (for US assets) jointly ensure 100% asset recovery. The custodian banks are contractually obligated to release all client assets directly to beneficial owners upon receiving a joint instruction from MAS and SEC — bypassing the defunct PG-AI entity entirely.
若平台失败，MAS（亚太资产）和 SEC（美国资产）联合确保 100% 资产追回。托管行有合同义务在收到 MAS 和 SEC 联合指令后直接向受益所有人释放资产——完全绕过 PG-AI。
Disputes between PG-AI and clients regarding asset custody, mandate execution, or fee calculation shall first be submitted to a pre-registered on-chain arbitration protocol. If the dispute cannot be resolved within 30 days, it escalates to the Singapore International Arbitration Centre (SIAC) under UNCITRAL rules.
PG-AI 与客户之间的托管、执行或费用争议，首先提交预注册的链上仲裁协议。30 天内未解决的，提交新加坡国际仲裁中心（SIAC）。
| Custodian | Asset Type | Jurisdiction | Max Allocation |
|---|---|---|---|
| JPMorgan | US Treasuries, IG credit, equities | US / Singapore | 35% |
| Goldman Sachs | Equities, prime brokerage, derivatives | US / UK | 25% |
| UBS | Global equities, cross-border wealth | Switzerland / SG | 20% |
| BNY Mellon | Fixed income, gold, infrastructure | US / UK | 15% |
| DBS Bank | Operational, APAC settlement | Singapore | 10% |
No single custodian may hold more than 35% of total client assets. This diversification eliminates single-custodian risk.
单一托管行持有比例不超过 35%。五行分散消除单一托管风险。
This agreement may only be amended with the written consent of all three parties (custodian consortium, PG-AI SPV, and independent compliance officer) plus prior approval from both MAS and SEC. Any amendment affecting client asset protection terms requires 90 days advance notice to all affected clients.
协议修订需三方书面同意加 MAS 和 SEC 事先批准。涉及客户资产保护的修订须提前 90 天通知所有受影响客户。
Governing law: Laws of Singapore (for APAC operations) and State of Delaware (for US operations). Arbitration: SIAC under UNCITRAL rules.