# ANNEX I - CONSUMER SETTLEMENT FLOW MATRIX

> Balanced Exchange Framework (BEF) - Framework Version 1.0, 2026-08-22.
> Source of record: https://balancedexchangeframe.work/doc/annex-i

| Flow | From | To | Asset/Funds | Direct path | Economic role | Regulatory gate |
| --- | --- | --- | --- | --- | --- | --- |
| BuyLana.com - Purchase & Delivery | Buyer | Named Operating Company / Seller | FIAT -> seller; Registered LANA -> buyer | Buyer bank/PSP -> seller; seller wallet -> buyer Registered Wallet | Direct purchase of a fixed quantity of Registered LANA and delivery under P07 | P07 + entity/jurisdiction offeror, crypto, consumer and payment-perimeter gates; no default client-funds pooling |
| MODE A - Direct LANA | Consumer | Merchant | Registered LANA | Consumer -> Merchant wallet | Merchant receives LANA directly | Merchant/consumer contract; crypto/tax/consumer rules |
| MODE B - Separate Principal Purchase (optional) | Consumer | Principal LANA Purchaser | Registered LANA | Consumer -> Purchaser wallet | Purchaser acquires LANA as principal | Separate crypto-service classification; P08 own-account conclusion does not automatically apply |
| MODE B - Separate Merchant Fiat Leg | Principal LANA Purchaser | Merchant | FIAT from purchaser own funds | Purchaser bank/PSP -> Merchant | Merchant receives fiat | PSD2/payment-perimeter memo + bank/PSP execution |
| Merchant later sells LANA | Merchant / other holder | Lana Discount / other proprietary buyer | Registered LANA | Merchant -> buyer | Separate later treasury sale; buyer decides independently whether to acquire | P08 own-account test for Lana Discount; otherwise buyer-specific classification |
| UK BuyLana.com / Purchase & Delivery | UK consumer | UK/overseas principal seller | GBP -> seller; Registered LANA -> consumer | Consumer bank/PSP -> seller; seller wallet -> consumer | Seller receives own consideration and delivers LANA | P22: MLR territorial/registration + financial promotions + PSR check only if third-party funds role |
| UK Lana Discount proprietary treasury acquisition | UK seller / counterparty | Lana Discount proprietary purchaser | Registered LANA -> purchaser; GBP -> seller | Seller wallet -> purchaser; purchaser bank/PSP -> seller | Purchaser acquires selected LANA for own treasury/risk; seller receives own purchase price | Current MLR territorial/business + applicable FP; future final Article 9UA/FCA test; T+15 capacity gate |
| UK Mode B merchant fiat leg - separate | UK principal purchaser | UK merchant | GBP from purchaser own funds | Purchaser bank/PSP -> merchant | Merchant receives settlement linked to consumer purchase | Separate P22/PSR crypto/payment memo; not part of P08 proprietary treasury purchase |
| **US P08 strict treasury** | **U.S. seller** | **Lana.discount principal purchaser** | **LANA -> purchaser; USD -> seller** | **Direct seller wallet -> proprietary treasury; purchaser bank -> seller** | **Own-account acquisition; purchased LANA becomes purchaser property** | **P23/Annex M + CP-41/42** |
| **US Mode B (default HOLD)** | **Consumer** | **Principal purchaser / merchant** | **LANA + USD** | **Consumer LANA -> purchaser; purchaser USD -> merchant** | **Linked crypto purchase + merchant payment** | **CP-46; FinCEN/state MTL/payment; licensed PSP fallback** |