Balanced Exchange Framework · Framework Version 1.0 · 2026-08-22
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ANNEX F - REGULATORY CLOSURE MATRIX

Ta matrika je izvršilni povzetek Frameworka 1.0. Status opisuje pripravljenost posamezne funkcije za aktivacijo, ne regulatorne odobritve celotnega Frameworka.

Area

1.0 Status

Activation / closure condition

Registered LANA offer / limited network

CONDITIONAL

P15 strict use-right/network-growth evidence + CP-01/02; notification monitoring; Title II fallback if exemption unavailable.

Direct merchant LANA settlement

READY

Merchant contract + consumer/tax rules; no hidden custody/payment role.

Principal purchase + merchant FIAT settlement

CONDITIONAL

P19 MiCA/CASP + PSD2 memo per principal purchaser.

Lana Discount proprietary treasury acquisition

CONDITIONAL

P08/P15 + CP-05 own-account/no-client-service memo; ESMA Q&A 2293; CASP/Article 77 only on client-service trigger; own capital + Clean Provenance + Acceptance Gate.

BuyLana.com / operating-company Purchase & Delivery

CONDITIONAL

P07 + Offeror/MiCA classification + consumer matrix per jurisdiction; named seller and direct-sale/delivery evidence.

Alignment governance

CONDITIONAL

CP-12 eligible voters + mandatory-law override.

OWN / Freeze

CONDITIONAL

Appeal/human-review timing + data-protection controls.

Nostr infrastructure

CONDITIONAL

Key/recovery/retention + GDPR matrix.

Digital Beings - non-material assistance

READY

AI disclosure + permission scope + logging.

Digital Beings - material financial/legal actions

HOLD

Provider/deployer mapping, custody, permissions, human oversight.

Grant/donation crowdfunding

CONDITIONAL

Project taxonomy + consumer/tax/AML checks.

Lending/investment crowdfunding

HOLD

ECSP/MiFID/AIF/credit classification before offer.

Direct.Lana.Fund new financing rounds

CONDITIONAL

P15 classification memo + liability/source-of-funds evidence.

Lana8Wonder Growth Phase

CONDITIONAL

P14 communications + offeror/consumer/market-integrity perimeter.

Balanced Wallet Zero-Level / Flow Capacity / Gravity

FRAMEWORK-COMPLETE / ACTIVATION PARAMETERS REQUIRED

P14 defines personal sufficiency, Zero-Level coordinate logic, dynamic multi-month Flow Capacity, breathing expansion/contraction and Gravity/Deregistration. A below-Zero coordinate is not debt and creates no spending power. Asset/entity-specific display, review cadence, notice/grace, deregistration and audit parameters must be published before automated production use.

EU market integrity

CONDITIONAL

Activation depends on EU trading/admission status; controls ready in P16.

AML/TFR/DAC8

CONDITIONAL

Entity-specific obliged/reporting status and operational policies.

DORA

CONDITIONAL

Mandatory for in-scope authorised CASP/financial entity.

BEF Framework 1.0

FINAL FRAMEWORK BASELINE

Core architecture closed. Annex C conditions continue as function-specific activation gates. CONDITIONAL/HOLD functionality must not be launched until its applicable legal, technical, accounting and evidence pack is complete.

Being KYC / Regulatory Identity Assurance

CONDITIONAL

P21 technical evidence ready; regulated activation requires CP-25 to CP-31, current-law mapping, DPIA, human-decision safeguards and remote-IDV validation.

UK cross-border access from overseas entity - current MLR

CONDITIONAL

P22 + CP-33; no UK office/agent/other UK activity conclusion; financial promotions remain separate.

UK crypto financial promotions

HOLD

No UK-targeted promotion until CP-34 lawful communication route and FCA-rule consumer journey are implemented.

UK BuyLana.com / Operating Company - fiat -> LANA

CONDITIONAL

CP-32/33/34/36: current MLR + promotion + consumer/payment classification; post-2027 reclassification.

UK Lana Discount proprietary treasury acquisition

CONDITIONAL

Current MLR business/territorial + applicable promotions; CP-35/37 final Article 9UA/FCA future-perimeter re-check; T+15 own-funds settlement.

UK dealing as principal from 25 Oct 2027 - final perimeter

CONDITIONAL / HOLD IF IN-SCOPE

Re-check final proprietary-trading exclusion + FCA final perimeter guidance. If excluded: no dealing permission assumed. If regulated: HOLD without FCA authorisation/transition basis.

UK Mode B merchant fiat settlement - separate from Lana Discount P08

CONDITIONAL

Separate crypto + PSR 2017 memo; merchant-discharge/client-money evidence. P08 treasury conclusion does not carry over.

UK AML / Travel Rule / KYC

CONDITIONAL

CP-38; UK MLR/FCA policies + UK GDPR/DPA biometric lawful-basis/DPIA validation.

UK conduct / prudential / resilience

CONDITIONAL

CP-39 for permissions sought; FCA Handbook obligations after authorisation.

UK market integrity / MARC

CONDITIONAL

Activate if UK admissions/trading perimeter applies; UK-specific rules separate from MiCA P16.

U.S. regulatory architecture

READY

P23 + Annexes L-N; product/state activation remains separate.

U.S. Lana.discount federal own-account baseline

READY / FACT-SENSITIVE

FIN-2014-R002 mapping + CP-41; no customer-service drift.

U.S. Lana.discount state activation

CONDITIONAL

Annex M; READY only in listed states for strict P08 state MT/VC layer.

U.S. P07 / BuyLana.com Purchase & Delivery

CONDITIONAL

CP-40/43; no investment-return marketing; state activation.

U.S. Lana8Wonder retail

HOLD

CP-43/44 + securities/Blue Sky + product redesign/route.

U.S. Direct.Lana.Fund public/retail

HOLD

CP-44/50; securities/private fund/adviser/broker/lending analysis.

U.S. Mode B merchant fiat settlement

HOLD

CP-46; FinCEN + state MTL/payment + licensed PSP alternative.

U.S. custody/private-key control

HOLD

Separate federal/state custody/MT/securities safeguarding permission.

U.S. OFAC/Clean Provenance

CONDITIONAL -> READY after pack

CP-48 operational screening/escalation evidence.

U.S. tax/reporting

CONDITIONAL

CP-47; 1099-DA and counterparty tax documentation by function.

P24 Native Coin Integration & Balanced Split Architecture

CONDITIONAL

CP-53 to CP-57; Coin Integration Profile + coin-specific Registrar + Registered/Active Supply evidence + Coin Split Profile + COIN x PRODUCT x JURISDICTION activation. Candidate status is not legal or Split activation.

External Registered Native Coin status

HOLD until REGISTRY READY + SPLIT READY + LEGAL READY

Every ACTIVE coin must follow the common BEF Balanced Split Architecture through its own Registrar and Coin Split Profile. LANA parameters do not transfer automatically; the shared development concept does.

External Coin Split Architecture

HOLD until SPLIT READY

Coin-specific Active Coin Supply, Split trigger, value-transition/reference rule, recirculation/stabilisation logic and auditable Split Event must exist before ACTIVE.

P24 Native Coin Atomic Unit & Fee Economics

CONDITIONAL

CP-58; canonical atomic unit + EUR methodology + standard-transfer fee evidence + rolling 30-day median/average + P95 + dust/reserve/activation/storage costs before ACTIVE.

BEF Growth -> Mature / Balanced State

FRAMEWORK-COMPLETE / COIN-SPECIFIC EVIDENCE REQUIRED

System maturity is an adaptive collective transition, not a fixed date or threshold. Coin-specific policy must publish sustained multi-month indicators showing sufficient Balanced Wallet participation, internal circulation, recirculation and reduced structural growth dependency before representing that economy as Mature / Balanced.