payments · EU AI Act 2024/1689 · GDPR Art 22 · Product Liability Directive
Payout Rail / Clear-Before-Wire
Per-withdraw bind at $0.05–$0.25/hop scales to operator millions
—Agent payout + affiliate withdraw fraud
Regulatory exposure — commonly overlooked:
Operator skips gate to reduce friction — owns chargeback and runner fraud. · Annex III high-risk list covers 8 domains — one vertical per domain minimum for compliance.
TAM / Exposure
Platform rake on every hop — sleep-money shape
Insurance lines
Fidelity · Cyber
Exhibit authority
EU AI Act Conformity Pack — Operator Payout Authorization Pack
Global leaders
Grey book APIs · Affiliate networks · Velaru parametric · EU AI Office · EDPB · European Parliament
Sleep deposits
Stripe webhook on metered payout checks.
Multi-tenant
One API — global operators plug in.
Clear before wire
USDC move requires clear_id receipt.
[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.