VELARU MANDATE EXHIBIT PACK — PARAMETRIC INSURANCE TRIGGER AI
Jurisdiction: Colorado (us_co)
Modality: Text / Chat
Program: Velaru Parametric Insurance Trigger AI · Colorado (galactic_parametric_insurance_us_co)
Product ID: parametric_insurance:us_co:bundle:text
Vertical: parametric_insurance
Generated: 2026-08-25T22:46:18.740991Z
Authority: Colorado AI Act Pack — Parametric Insurance Trigger AI External Validation Pack
Deadline: Colorado AI Act high-risk deployment
Velaru verify: https://velaru-erra.onrender.com/verify

EXHIBIT A — AI INVENTORY
[]

EXHIBIT B — GOVERNANCE FRAMEWORK
{
  "framework": "Velaru Mandate Registry \u2014 Parametric Insurance Trigger AI",
  "exhibit_authority": "Colorado AI Act Pack \u2014 Parametric Insurance Trigger AI External Validation Pack",
  "regulatory_frameworks": [
    "NAIC Model Bulletin",
    "EU AI Act Annex III",
    "Colorado AI Act",
    "Colorado AI Act SB 24-205",
    "Algorithmic accountability"
  ],
  "standards_alignment": [
    "POSS-2",
    "DRP-1",
    "TCB",
    "FRE 707 pre-compliance",
    "ISO 42001"
  ],
  "human_oversight": "execute Parametric Insurance Trigger AI AI decision",
  "third_party_verification": "https://velaru-erra.onrender.com/verify (operator-independent)",
  "data_lineage": "Hash-chained Ed25519 receipts; optional RFC3161 + external anchor",
  "mirror_trap": "Niche Parametric Insurance Trigger AI deployer owns AI harm \u2014 vertical SaaS vendor owns liability cap. \u00b7 First comprehensive US state AI law \u2014 impact assessments require documentation Velaru generates.",
  "chain_integrity": {
    "depth": 6,
    "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": "Parametric Insurance Trigger AI \u2014 AI decision audit trail required for liability defense",
  "global_leaders_addressed": [
    "Sector regulators",
    "Vertical SaaS platforms",
    "CO AG",
    "Counterpart",
    "Colorado Division of Insurance"
  ]
}

MIRROR TRAP (regulatory insight)
Niche Parametric Insurance Trigger AI deployer owns AI harm — vertical SaaS vendor owns liability cap. · First comprehensive US state AI law — impact assessments require documentation Velaru generates.

NERVE CARDS — WHY GLOBAL LEADERS CARE
[
  {
    "title": "Niche litigation",
    "body": "Parametric Insurance Trigger AI plaintiffs challenge AI decision without independent verify.",
    "source": "vertical"
  },
  {
    "title": "Insurance bind",
    "body": "Sector insurers asking AI governance questions on Parametric Insurance Trigger AI accounts.",
    "source": "vertical"
  },
  {
    "title": "[Colorado] Developer vs deployer",
    "body": "Colorado splits obligations \u2014 receipt chain clarifies who documented what when.",
    "source": "jurisdiction"
  },
  {
    "title": "[Colorado] Insurance nexus",
    "body": "Colorado insurers using AI in underwriting must comply while selling AI EPL.",
    "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: Global Parametric Insurance Trigger AI market
INSURANCE LINES: E&O, Cyber, Sector liability

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