VELARU GALACTIC EXHIBIT PACK — AGENTIC COMMERCE
Jurisdiction: Canada (ca)
Modality: Text / Chat
Program: Velaru Agentic Commerce · Canada (galactic_agentic_commerce_ca)
Product ID: agentic_commerce:ca:bundle:text
Vertical: agentic_commerce
Generated: 2026-08-17T08:09:31.438423Z
Authority: Canada OSFI E-23 Pack — Mandate-to-Settlement Audit Trail Pack
Deadline: UK CMA agent liability guidance
Velaru verify: https://velaru-erra.onrender.com/verify

EXHIBIT A — AI INVENTORY
[]

EXHIBIT B — GOVERNANCE FRAMEWORK
{
  "framework": "Velaru Mandate Registry \u2014 Agentic Commerce",
  "exhibit_authority": "Canada OSFI E-23 Pack \u2014 Mandate-to-Settlement Audit Trail Pack",
  "regulatory_frameworks": [
    "FTC Section 5",
    "UCC Article 2",
    "EU AI Act Annex III",
    "AIDA proposal",
    "OSFI E-23",
    "PIPEDA",
    "Quebec Law 25"
  ],
  "standards_alignment": [
    "POSS-2",
    "DRP-1",
    "TCB",
    "FRE 707 pre-compliance",
    "ISO 42001"
  ],
  "human_oversight": "authorize agent purchase",
  "third_party_verification": "https://velaru-erra.onrender.com/verify (operator-independent)",
  "data_lineage": "Hash-chained Ed25519 receipts; optional RFC3161 + external anchor",
  "mirror_trap": "Stripe Agentic Commerce Suite needs proof layer \u2014 Velaru is what makes agent transactions auditable for chargebacks. \u00b7 Quebec Law 25 already strict on automated decisions \u2014 ROC catching up with AIDA.",
  "chain_integrity": {
    "depth": 2,
    "invariant_holds": true
  }
}

EXHIBIT D — DATA INPUTS & VALIDATION
{
  "data_validation_method": "Cryptographic receipt per AI decision; public verify without trusting deployer, vendor, or Velaru operator",
  "bias_testing_proxy": "Asymmetry score from live chain signals",
  "model_change_control": "Policy lock registry \u2014 criteria hash frozen pre-dispute",
  "logging_retention": "90-day pre-dispute window minimum; permanent verify permalinks",
  "external_validator": "Nisaba LLC / Velaru",
  "validator_independence": "Client-side Ed25519 verify; BYOK tri-receipt optional",
  "headline_stat": "You are liable for your agent like an employee \u2014 CMA March 2026",
  "global_leaders_addressed": [
    "Stripe",
    "Shopify",
    "Google",
    "Mastercard",
    "ADR Institute (LCP)",
    "OSFI",
    "RBC",
    "OPC"
  ]
}

MIRROR TRAP (regulatory insight)
Stripe Agentic Commerce Suite needs proof layer — Velaru is what makes agent transactions auditable for chargebacks. · Quebec Law 25 already strict on automated decisions — ROC catching up with AIDA.

NERVE CARDS — WHY GLOBAL LEADERS CARE
[
  {
    "title": "Chargeback defense",
    "body": "Five evidentiary points: instruction, permission, decision path, merchant terms, payment auth \u2014 ops logs fail audits.",
    "source": "vertical"
  },
  {
    "title": "EFTA gap",
    "body": "Consumer authorized agent \u2260 unauthorized transaction \u2014 liability shifts to consumer when agent errs.",
    "source": "vertical"
  },
  {
    "title": "LCP binding",
    "body": "Legal Context Protocol fingerprint at payment \u2014 Velaru receipt chain is compatible evidence layer.",
    "source": "vertical"
  },
  {
    "title": "[Canada] OSFI banks",
    "body": "Canadian bank AI \u2014 E-23 model risk parallels SR 11-7.",
    "source": "jurisdiction"
  },
  {
    "title": "[Canada] Bill C-27",
    "body": "AIDA when passed \u2014 early receipt infrastructure = compliance head start.",
    "source": "jurisdiction"
  },
  {
    "title": "[Text / Chat] Modality hook",
    "body": "Baseline \u2014 all frameworks apply to text decisions.",
    "source": "modality"
  }
]

BOOK SUMMARY: {
  "total_insureds": 0,
  "compliant": 0,
  "grace_period": 0,
  "non_compliant": 0,
  "expired": 0,
  "not_enrolled": 0,
  "compliant_pct": 0.0
}

TAM / EXPOSURE: 16,000+ Stripe platforms · agentic commerce = next payments rail
INSURANCE LINES: Cyber, E&O, Merchant liability

DISCLAIMER: External validation evidence pack — not legal advice, not filed rate approval.