Abstract: In accordance with embodiments, a decentralized financing system provides secure encrypted key retrieval by storing a user's encrypted private key on a Cloud keychain, accessible using the user's smart device, such as an iPhone or an Android device. To log on to her account, the user undergoes AML-KYC compliance, as well as liveness tests. In some embodiments, for quick retrieval and added security, the system stores the KYC-AML reference IDs but does not store any personal identifying information. The system further allows for minting an asset, such that AML-KYC compliance data, as well as other data of interest to regulators and traders alike, are publicly viewable absent personal identifiable information. Further, the system allows for asset creators and other selected parties to receive royalties for downstream trades of the asset.