OFAC match on AI-initiated transfer — exchange owns criminal liability
—MiCA + SEC enforcement cycle
Regulatory exposure — commonly overlooked:
DeFi AI agent trades — user owns tax + sanctions exposure, protocol owns nothing. · Annex III high-risk list covers 8 domains — one vertical per domain minimum for compliance.
TAM / Exposure
$2T+ crypto market · AI trading bots majority volume
Insurance lines
Crime · D&O · Cyber
Exhibit authority
EU AI Act Conformity Pack — Crypto AI Trading + OFAC Pack
Global leaders
Coinbase · Binance · SEC · FinCEN · ESMA · EU AI Office · EDPB · European Parliament
Howey AI
AI recommending token = investment advice — SEC Reg BI receipt required.
MiCA Art 68
Market abuse detection — AI wash trading requires audit trail.
Travel rule
FATF + AI screening — receipt of screening decision for every transfer.
[European Union] FRIA requirement
Fundamental rights impact assessment for public/high-risk — exhibit pack maps to FRIA.
[European Union] PLD strict liability
Dec 2026 product liability directive — software and AI explicitly included.
[Text / Chat] Modality hook
Baseline — all frameworks apply to text decisions.
7 mandate layers (live)
Regulatory ClockCountdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition.Open →
Domain ClassifierIndustry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping.Open →
Exhibit / Filing PackRegulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11.Open →
Mandate RegistryEnroll deployers/insureds under vertical-specific governance mandate.Open →