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financial · SEC Howey Test · FinCEN BSA · MiCA Article 68

Digital Assets / Crypto / RWA Tokenization

OFAC match on AI-initiated transfer — exchange owns criminal liability

—MiCA + SEC enforcement cycle

Regulatory exposure — commonly overlooked:
DeFi AI agent trades — user owns tax + sanctions exposure, protocol owns nothing. · Federal agencies disagree on AI approach — but examiners agree internal logs are insufficient.

TAM / Exposure

$2T+ crypto market · AI trading bots majority volume

Insurance lines

Crime · D&O · Cyber

Exhibit authority

US Federal Exhibit — Crypto AI Trading + OFAC Pack

Global leaders

Coinbase · Binance · SEC · FinCEN · ESMA · NAIC · FTC · EEOC

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 States (Federal)] Agency pincer

FTC, CFPB, EEOC, and DOJ all active on AI — one receipt chain satisfies cross-agency discovery.

[United States (Federal)] Federal preemption fight

State laws filling void — multistate operators need jurisdiction-tagged receipts.

[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. Open →

Domain Classifier Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping. Open →

Exhibit / Filing Pack Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11. Open →

Mandate Registry Enroll deployers/insureds under vertical-specific governance mandate. Open →

Bind / Action Gate ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker. Open →

Compliance Certificate Deployer-facing downloadable cert — forward to counsel, auditor, regulator. Open →

Actuarial / Risk Feed Anonymized asymmetry signals for pricing, reserving, reinsurance correlation. Open →

Run digital_assets demo Regulatory calendar Download exhibit pack Verify independently