VELARU GALACTIC EXHIBIT PACK — AGENTIC COMMERCE
Jurisdiction: Switzerland (ch)
Modality: Text / Chat
Program: Velaru Agentic Commerce · Switzerland (galactic_agentic_commerce_ch)
Product ID: agentic_commerce:ch:bundle:text
Vertical: agentic_commerce
Generated: 2026-08-17T08:09:44.241711Z
Authority: Switzerland FINMA AI 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": "Switzerland FINMA AI Pack \u2014 Mandate-to-Settlement Audit Trail Pack",
  "regulatory_frameworks": [
    "FTC Section 5",
    "UCC Article 2",
    "EU AI Act Annex III",
    "Revised FADP",
    "FINMA AI guidance",
    "Swiss AI policy"
  ],
  "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 Swiss reinsurance hub \u2014 Munich Re, Swiss Re need asymmetry data with Swiss privacy compliance.",
  "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)",
    "FINMA",
    "Swiss Re",
    "Munich Re"
  ]
}

MIRROR TRAP (regulatory insight)
Stripe Agentic Commerce Suite needs proof layer — Velaru is what makes agent transactions auditable for chargebacks. · Swiss reinsurance hub — Munich Re, Swiss Re need asymmetry data with Swiss privacy compliance.

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": "[Switzerland] Reinsurance capital",
    "body": "Geneva/Zurich reinsurers price AI risk \u2014 actuarial feed jurisdiction-scoped.",
    "source": "jurisdiction"
  },
  {
    "title": "[Switzerland] Banking secrecy",
    "body": "Swiss bank AI \u2014 FINMA documentation expectations exceed EU for trading AI.",
    "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.