# 0.14 Previous Change Summary

> Balanced Exchange Framework (BEF) - Framework Version 1.0, 2026-08-22.
> Source of record: https://balancedexchangeframe.work/doc/v0-14

- Added P21 Identity Assurance, KYC & Biometric Verification while preserving P01-P20.

- 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 OpenSanctions commercial-licence gate, multilingual screening calibration, PEP/EDD semantics and ongoing rescreen.

- Added KIND 37105 minimal authority-signed attestation, trusted key rotation/revocation, expiry and Level-4 semantic guardrail.

- 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.

- Added market integrity / inside-information / conflicts controls.

- Added AML/TFR, sanctions, DAC8 and future AMLR transition architecture.

- Added GDPR/Nostr per-KIND governance, DPIA and AI decision safeguards.

- Added PSD2/consumer/distance-financial-service settlement framework and future PSD3/PSR watch.

- Added obligation/liquidity ledgers, zero-new-participant stress testing, DORA/resilience and audit-pack requirements.

- Balanced Wallet negative positions remain HOLD until legal, financial, accounting and technical closure.