OpenChainGraph Suite · CONTRACT A3 · arch #5

Embedded Finance Licensing

Seller onboarding classification > MTL licensing risk mapping > fintech compliance control mapping > sponsor-bank readiness scoring — composite embedded finance licensing mandate.

OpenChainGraph · 4 Steps compliance mandate Hash-Anchored §4 chain_depth:4 Client-Side · Zero PII
Chain Topology — Seller Onboarding Classifier → Mtl Licensing Risk Mapper → Fintech Compliance Control Mapper → Sponsor Bank Readiness Scorer
§4 Execution Hash · Chain Definition Anchor
execution_hash:computing…
Market Rationale
Buyer: Embedded Finance Programme Manager / Legal Officer at fintech or platform
Forcing function: State MTL licensing complexity (US 54 states); FCA e-money licence; BaaS liability shift post-Synapse
Chain Stages · 4 Steps
1 ROOT · D0 catalog
Seller Onboarding Classifier 149-seller-onboarding-classifier
seller_classification and licensing_threshold feed Stage 2 MTL licensing risk mapping
↓
2 D2 catalog
Mtl Licensing Risk Mapper 150-mtl-licensing-risk-mapper
mtl_risk_score and state_by_state_requirements feed Stage 3 compliance control mapping
↓
3 D3 catalog
Fintech Compliance Control Mapper 158-fintech-compliance-control-mapper
compliance_controls and gap_assessment feed Stage 4 sponsor-bank readiness scoring
↓
4 TERMINAL · D4 catalog
Sponsor Bank Readiness Scorer 162-sponsor-bank-readiness-scorer
sponsor_bank_readiness and composite_licensing_mandate — final embedded finance mandate
Export Artifacts
Download the §4 chain definition artifact (hash-anchored composite JSON) or the §13.11 W3C Verifiable Credentials view. Both derive from the chain definition — no new hash is minted. Available after hash computation.