Corrected AML timing: AMLR Regulation (EU) 2024/1624 applies from 10 July 2027; current national AML regimes remain relevant until then.
Separated automatic technical IDENTITY-VERIFIED status from regulated CDD relationship decisions and added meaningful-human-intervention / explanation / challenge safeguards.
Replaced immediate permanent deletion of CDD evidence with sealed archive/reference retention that supports regulator retrieval and relationship-based deletion.
Separated regulatory KYC capture from optional public identity: KYC selfie is never published; public face/profile remains an explicit separate choice.
Added missing AMLR-target natural-person data (full DOB/place of birth, residence/address and national identifiers where applicable) and legal-person KYB gate.
Added Annex J implementation matrix and CP-25 to CP-31 closure conditions.
Strengthened Article 4(3)(d) strict-use-right and continuously-growing-network analysis; added explicit Title II fallback if exemption is unavailable.
Added operative Regulatory Override Event so mandatory law/regulator requirements cannot be blocked by Alignment.
Clarified Mode B as linked consumer-merchant sale + principal LANA purchase + documented direct merchant settlement, without prejudging PSD2 classification.
Added P15-P20 regulatory closure protocols without removing P01-P14.
Added two explicit consumer settlement modes and no-client-funds-pooling principle.
Added MiCA/MiFID classification order, limited-network evidence gate and same-underlying-asset control.