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Agentic Commerce
You are liable for your agent like an employee — CMA March 2026
—UK CMA agent liability guidance
Regulatory exposure — commonly overlooked:
Stripe Agentic Commerce Suite needs proof layer — Velaru is what makes agent transactions auditable for chargebacks. · LGPD Art 20 review of automated decisions — receipt enables review request response.
Chargeback defense
Five evidentiary points: instruction, permission, decision path, merchant terms, payment auth — ops logs fail audits.
EFTA gap
Consumer authorized agent ≠ unauthorized transaction — liability shifts to consumer when agent errs.
LCP binding
Legal Context Protocol fingerprint at payment — Velaru receipt chain is compatible evidence layer.
[Brazil] LatAm hub
Brazil sets pattern for LATAM — receipt architecture scales to Mexico, Colombia.
[Brazil] Fintech
Nubank, Mercado Libre AI — BCB expects credit decision explainability.
[Text / Chat] Modality hook
Baseline — all frameworks apply to text decisions.
7 mandate layers (live)
Regulatory Clock
Countdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition.
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Domain Classifier
Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping.
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Exhibit / Filing Pack
Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11.
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Mandate Registry
Enroll deployers/insureds under vertical-specific governance mandate.
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Bind / Action Gate
ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker.
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Compliance Certificate
Deployer-facing downloadable cert — forward to counsel, auditor, regulator.
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Actuarial / Risk Feed
Anonymized asymmetry signals for pricing, reserving, reinsurance correlation.
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