OpenChainGraph Suite · CONTRACT A3 · arch #5

Embedded Finance Licensing

Note (dated 2026-08-04): a chain composes independent computations performed in an analytical order. No step's output is carried into the next step by the execution model; each step computes from its own declared inputs. This is true of every chain on this site, including chains whose per-step copy below reads as a data handoff.
Reading mode (READINESS-BUILD): These checks can be gathered in any order; the sequence below is for convenience. Seller classification, MTL licensing risk, control mapping, and sponsor-bank readiness each score a separate licensing dimension and are combined into one composite mandate.

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
Live Execution

This page is the chain definition (plan). To run the chain step by step in your browser, with each step's kernel executing in-page and a composite hash over the outputs, open the live runner:

▶ Run this chain in your browser
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
▶ Run this chain (live) browser · real execution · composite §4 hash
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.