VELARU MANDATE EXHIBIT PACK — DORA / FINANCIAL OPERATIONAL RESILIENCE
Jurisdiction: Texas (us_tx)
Modality: Text / Chat
Program: Velaru DORA / Financial Operational Resilience · Texas (galactic_dora_us_tx)
Product ID: dora:us_tx:bundle:text
Vertical: dora
Generated: 2026-08-21T20:28:59.710884Z
Authority: Texas TRAIGA Pack — DORA Art 17/28 ICT Incident Pack
Deadline: DORA in force — ICT risk management
Velaru verify: https://velaru-erra.onrender.com/verify

EXHIBIT A — AI INVENTORY
[]

EXHIBIT B — GOVERNANCE FRAMEWORK
{
  "framework": "Velaru Mandate Registry \u2014 DORA / Financial Operational Resilience",
  "exhibit_authority": "Texas TRAIGA Pack \u2014 DORA Art 17/28 ICT Incident Pack",
  "regulatory_frameworks": [
    "DORA Article 17",
    "DORA Article 19",
    "DORA Article 28",
    "TRAIGA",
    "Texas Data Privacy and Security Act"
  ],
  "standards_alignment": [
    "POSS-2",
    "DRP-1",
    "TCB",
    "FRE 707 pre-compliance",
    "ISO 42001"
  ],
  "human_oversight": "onboard ICT third-party AI",
  "third_party_verification": "https://velaru-erra.onrender.com/verify (operator-independent)",
  "data_lineage": "Hash-chained Ed25519 receipts; optional RFC3161 + external anchor",
  "mirror_trap": "Bank uses cloud AI \u2014 bank owns DORA compliance, cloud vendor owns shared responsibility matrix gap. \u00b7 Texas pro-business reputation hides aggressive AG on deceptive AI \u2014 FTC \u00a75 parallel enforcement.",
  "chain_integrity": {
    "depth": 5,
    "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": "ICT third-party AI provider = critical function \u2014 register + audit or supervisory fine",
  "global_leaders_addressed": [
    "EBA",
    "Deutsche Bank",
    "BNP Paribas",
    "Critical ICT providers",
    "TX AG",
    "ERCOT",
    "Texas DOI"
  ]
}

MIRROR TRAP (regulatory insight)
Bank uses cloud AI — bank owns DORA compliance, cloud vendor owns shared responsibility matrix gap. · Texas pro-business reputation hides aggressive AG on deceptive AI — FTC §5 parallel enforcement.

NERVE CARDS — WHY GLOBAL LEADERS CARE
[
  {
    "title": "Art 28 register",
    "body": "Critical ICT providers must be registered \u2014 AI vendors increasingly on list.",
    "source": "vertical"
  },
  {
    "title": "Incident reporting",
    "body": "4-hour initial notification \u2014 AI-caused incident needs decision receipt.",
    "source": "vertical"
  },
  {
    "title": "TLPT",
    "body": "Threat-led penetration testing includes AI attack paths.",
    "source": "vertical"
  },
  {
    "title": "[Texas] Energy + AI",
    "body": "Texas grid AI + oil/gas AI \u2014 critical infrastructure receipts under state scrutiny.",
    "source": "jurisdiction"
  },
  {
    "title": "[Texas] Insurance hub",
    "body": "Texas surplus lines market \u2014 AI governance for non-admitted carriers.",
    "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: EU financial entities · DORA applies now
INSURANCE LINES: Cyber, D&O, Professional indemnity

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