What to do
Jurisdiction mandate profile Merged vertical regulatory profiles + jurisdiction overlays + modality retention rules.
Compare deadline and regulations against the core vertical profile. Download v2 exhibit pack for this vertical × jurisdiction pair. Wire bind-gate and certificate URLs into policy-admin for this territory. ← Mandate Registry · 7 mandate layers · digital_assets
financial · SEC Howey Test · FinCEN BSA · MiCA Article 68
Digital Assets / Crypto / RWA Tokenization
OFAC match on AI-initiated transfer — exchange owns criminal liability
—CMA agent liability guidance (live)
Regulatory exposure — commonly overlooked:
Howey AI
AI recommending token = investment advice — SEC Reg BI receipt required.
MiCA Art 68
Market abuse detection — AI wash trading requires audit trail.
Travel rule
FATF + AI screening — receipt of screening decision for every transfer.
[United Kingdom] Post-Brexit divergence
UK not bound by EU AI Act but CMA/ICO more aggressive on agents.
[United Kingdom] London market
Lloyd's syndicates need AI decision audit for specialty lines.
[Text / Chat] Modality hook
Baseline — all frameworks apply to text decisions.
7 mandate layers (live)
Regulatory Clock
Countdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition.
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Domain Classifier
Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping.
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Exhibit / Filing Pack
Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11.
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Mandate Registry
Enroll deployers/insureds under vertical-specific governance mandate.
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Bind / Action Gate
ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker.
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Compliance Certificate
Deployer-facing downloadable cert — forward to counsel, auditor, regulator.
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Actuarial / Risk Feed
Anonymized asymmetry signals for pricing, reserving, reinsurance correlation.
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