What is a “User Master Key” in Business Owner's Portal?

Answer:                

Each user in Business Owner's Portal owns a master key which is generated upon the first time they log into the portal, which we have called a 'User Master Key'. The generation of this key, which is a P-384 EC key, is carried at client side within your browser which should be a modern and secure one. Xiippy does not hold the private component of the master key! This key is used to perform end-to-end encryption for the data that Business Owner's Portal handles. In other words, using this key assures that Xiippy will not be able to know what the contents of business owner's data in Business Owner's Portal are hence assuring its Zero Knowledge over the data even for the web-based portal Business Owners use.