VELARU MANDATE EXHIBIT PACK — INVESTMENT ADVISORY / WEALTH MANAGEMENT
Jurisdiction: France (fr)
Modality: Text / Chat
Program: Velaru Investment Advisory / Wealth Management · France (galactic_investment_advisory_fr)
Product ID: investment_advisory:fr:bundle:text
Vertical: investment_advisory
Generated: 2026-08-22T05:08:45.515877Z
Authority: France CNIL AI Pack — Reg BI Best Interest AI Pack
Deadline: SEC Reg BI + AI robo-advisor examination
Velaru verify: https://velaru.xyz/verify

EXHIBIT A — AI INVENTORY
[
  {
    "named_entity": "Velari",
    "slug": "velari",
    "ai_use_case": "AI-assisted Investment Advisory / Wealth Management decisions",
    "vertical": "investment_advisory",
    "risk_tier": "elevated",
    "external_validation": "Velaru independent receipt verification",
    "handler_receipt_lock": "https://velaru.onrender.com/r/4c58eac890bfd031ce2189de5a1ca9ea292a0c837f5f535daf164aef34f31e53",
    "compliance_state": "grace_period",
    "asymmetry_grade": "A",
    "found_scripture_export": "https://velaru.xyz/bundle/pre-dispute/d8fb129c0c0c78d05256/export.txt",
    "diligence_url": "https://velaru.xyz/diligence/velari"
  },
  {
    "named_entity": "LinkAudit Test",
    "slug": "linkaudit-test",
    "ai_use_case": "AI-assisted Investment Advisory / Wealth Management decisions",
    "vertical": "investment_advisory",
    "risk_tier": "elevated",
    "external_validation": "Velaru independent receipt verification",
    "handler_receipt_lock": "https://velaru.onrender.com/r/58ddedd1974156453bc55daef6a9857d8570d56388becbb2a80bf5bac76b771b",
    "compliance_state": "grace_period",
    "asymmetry_grade": "A",
    "found_scripture_export": "https://velaru.xyz/bundle/pre-dispute/78aa6e3f3a84cf1a88c0/export.txt",
    "diligence_url": "https://velaru.xyz/diligence/linkaudit-test"
  },
  {
    "named_entity": "Link Audit Co",
    "slug": "link-audit-co",
    "ai_use_case": "AI-assisted Investment Advisory / Wealth Management decisions",
    "vertical": "investment_advisory",
    "risk_tier": "elevated",
    "external_validation": "Velaru independent receipt verification",
    "handler_receipt_lock": "https://velaru.onrender.com/r/d00533b7b6c0495802b4250abd5c29f60bd9f2ad3fb141bba2d9a5afee5f5542",
    "compliance_state": "grace_period",
    "asymmetry_grade": "A",
    "found_scripture_export": "https://velaru.xyz/bundle/pre-dispute/fea572f3996c4b963779/export.txt",
    "diligence_url": "https://velaru.xyz/diligence/link-audit-co"
  }
]

EXHIBIT B — GOVERNANCE FRAMEWORK
{
  "framework": "Velaru Mandate Registry \u2014 Investment Advisory / Wealth Management",
  "exhibit_authority": "France CNIL AI Pack \u2014 Reg BI Best Interest AI Pack",
  "regulatory_frameworks": [
    "SEC Reg BI",
    "Investment Advisers Act",
    "FINRA Rule 3110",
    "EU AI Act",
    "CNIL AI recommendations",
    "GDPR",
    "French AI Act"
  ],
  "standards_alignment": [
    "POSS-2",
    "DRP-1",
    "TCB",
    "FRE 707 pre-compliance",
    "ISO 42001"
  ],
  "human_oversight": "recommend investment",
  "third_party_verification": "https://velaru.xyz/verify (operator-independent)",
  "data_lineage": "Hash-chained Ed25519 receipts; optional RFC3161 + external anchor",
  "mirror_trap": "Robo-advisor updates model \u2014 firm owns Reg BI violation for all clients, vendor owns model update changelog. \u00b7 CNIL among most aggressive EU DPAs on AI \u2014 French language audit trail required.",
  "chain_integrity": {
    "depth": 443,
    "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": "Reg BI: AI recommendation must document best interest analysis \u2014 receipt or enforcement",
  "global_leaders_addressed": [
    "SEC",
    "FINRA",
    "Betterment",
    "Wealthfront",
    "BlackRock",
    "CNIL",
    "Mistral AI",
    "AMF"
  ]
}

MIRROR TRAP (regulatory insight)
Robo-advisor updates model — firm owns Reg BI violation for all clients, vendor owns model update changelog. · CNIL among most aggressive EU DPAs on AI — French language audit trail required.

NERVE CARDS — WHY GLOBAL LEADERS CARE
[
  {
    "title": "FINRA 3110",
    "body": "Supervisory system must review AI recommendations \u2014 sample testing requires receipts.",
    "source": "vertical"
  },
  {
    "title": "Conflicts of interest",
    "body": "AI recommending proprietary products \u2014 disclosure receipt required.",
    "source": "vertical"
  },
  {
    "title": "Crypto advisory",
    "body": "AI crypto recommendations \u2014 SEC enforcement priority 2026.",
    "source": "vertical"
  },
  {
    "title": "[France] Sovereign AI",
    "body": "France pushing Mistral/sovereign stack \u2014 receipts prove which model decided.",
    "source": "jurisdiction"
  },
  {
    "title": "[France] AMF scrutiny",
    "body": "French financial markets AI \u2014 AMF expects algorithm documentation.",
    "source": "jurisdiction"
  },
  {
    "title": "[Text / Chat] Modality hook",
    "body": "Baseline \u2014 all frameworks apply to text decisions.",
    "source": "modality"
  }
]

BOOK SUMMARY: {
  "total_insureds": 3,
  "compliant": 0,
  "grace_period": 3,
  "non_compliant": 0,
  "expired": 0,
  "not_enrolled": 0,
  "compliant_pct": 0.0
}

TAM / EXPOSURE: $100T+ AUM · robo-advisors mainstream
INSURANCE LINES: E&O, Fidelity, D&O

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