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eIDAS 2.0 Non-Human Identity

Art 5a non-human entities — AI agent needs qualified electronic signature path

—eIDAS 2.0 digital identity wallet

Regulatory exposure — commonly overlooked:
AI agent signs contract — without eIDAS-compatible receipt, signature legally void in EU. · CMA: you are liable for your AI agent like an employee — applies to every agentic commerce vertical.

TAM / Exposure

EU digital identity · AI agents need legal personhood bridge

Insurance lines

Cyber · Identity fraud · E&O

Exhibit authority

UK CMA Agent Liability Pack — Non-Human Identity + eIDAS Pack

Global leaders

EU Commission · Estonia · Thales · Signicat · BankID · CMA · ICO · FCA

EUDI wallet

European Digital Identity — AI agents as wallet delegates require receipt chain.

Qualified trust services

QTSP must audit AI agent signatures — Velaru receipt feeds QTSP audit.

Cross-border

27 member states — one receipt primitive for all eIDAS trust levels.

[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. 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 eidas demo Regulatory calendar Download exhibit pack Verify independently