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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. · Florida property insurers using AI for claims while Citizens backs up market — AI claim denial = political lightning rod.

TAM / Exposure

16,000+ Stripe platforms · agentic commerce = next payments rail

Insurance lines

Cyber · E&O · Merchant liability

Exhibit authority

Florida OIR AI Pack — Mandate-to-Settlement Audit Trail Pack

Global leaders

Stripe · Shopify · Google · Mastercard · ADR Institute (LCP) · Florida OIR · Citizens Property · Universal Property

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.

[Florida] Hurricane claims AI

Post-Idalia/Ian claims AI scrutiny — bad faith with AI lowball estimate.

[Florida] Surplus lines

Florida largest homeowners market collapse — AI underwriting receipt mandatory for OIR exam.

[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. Open →

Domain Classifier Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping. Open →

Exhibit / Filing Pack Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11. Open →

Mandate Registry Enroll deployers/insureds under vertical-specific governance mandate. Open →

Bind / Action Gate ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker. Open →

Compliance Certificate Deployer-facing downloadable cert — forward to counsel, auditor, regulator. Open →

Actuarial / Risk Feed Anonymized asymmetry signals for pricing, reserving, reinsurance correlation. Open →

Run agentic_commerce demo Regulatory calendar Download exhibit pack Verify independently