platform · EU AI Act 2024/1689 · GDPR Art 22 · Product Liability Directive
Adult Platform / Creator Payout
Payout hold + crisis escalation receipt — companion_crisis SKU adjacent
—SB 243 + platform age verification wave
Regulatory exposure — commonly overlooked:
Platform releases payout during dispute — platform owns 2257 and chargeback tail. · Annex III high-risk list covers 8 domains — one vertical per domain minimum for compliance.
TAM / Exposure
$7B+ OnlyFans gross · creator platform rake
Insurance lines
Cyber · E&O
Exhibit authority
EU AI Act Conformity Pack — Adult Platform Escalation + Payout Pack
Global leaders
OnlyFans-class · Clip platforms · Live cam ops · EU AI Office · EDPB · European Parliament
Creator payout gate
Bind before large withdraw — same as grey gaming rail.
Crisis escalation
SB 243 receipt rail for companion-adjacent apps.
Chargeback fraud
Stranger verify on release decision.
[European Union] FRIA requirement
Fundamental rights impact assessment for public/high-risk — exhibit pack maps to FRIA.
[European Union] PLD strict liability
Dec 2026 product liability directive — software and AI explicitly included.
[Text / Chat] Modality hook
Baseline — all frameworks apply to text decisions.