# 0.15 Previous Change Summary

> Balanced Exchange Framework (BEF) - Framework Version 1.0, 2026-08-22.
> Source of record: https://balancedexchangeframe.work/doc/v0-15

- Added P22 UK Market Access & Regulatory Perimeter Protocol and Annex K UK Regulatory Perimeter & Transition Matrix.

- Added explicit no-passport rule: EEA/MiCA/CASP status is not treated as automatic UK authorisation.

- Added current UK MLR territorial analysis, including the FCA overseas/no-UK-office factor, while keeping financial promotions as a separate cross-border gate.

- Added UK financial-promotion controls for websites, apps, social media and onboarding communications to UK consumers.

- Added UK Operating Company and Lana Discount principal-purchase classifications, with separate fiat ownership/payment-perimeter logic.

- Added 25 October 2027 FSMA transition architecture, dealing-as-principal permission analysis, UK legal-entity default assumption and FCA gateway timing.

- Added UK Payment Services Regulations 2017 / PERG branch for Mode B and third-party fiat flows.

- Added UK AML/Travel Rule, UK GDPR/DPA biometric controls and UK conduct/prudential/resilience activation gates.

- Added CP-32 to CP-39, UK rows in Annex F/G/I/J and official UK regulatory references in Annex D.

- Preserved EU/MiCA architecture and P21 KYC design; UK is a parallel jurisdiction overlay rather than a replacement for EU controls.