Drei eigenständige Infrastrukturen · Ein System · Jederzeit einzeln abrufbar

SERVERLESS EDITION Transaction Compliance

Serverless EditionGate 0 — Constitutional LayerCDS · DOI 10.5281/zenodo.21153394 ↗

Compliance as
a Service.

In one sentence: Serverless Edition is the same compliance engine as a ready-made API — no servers to run yourself, no data centre, just connect and go.

✓ THIS IS FOR YOU IF...

You're a fintech or startup that needs to go live fast, without running your own servers
You need an API you can integrate in days — not months
You still need 'zero external dependencies' and air-gap capability

× NOT FOR YOU IF...

You're regulatorily required to host the full instance physically in your own environment → look at Core instead
You can't or don't want to integrate an API-first architecture into your system

immo.quick Serverless Edition — Officially Sealed

API_REQUEST.json

POST /compliance-pipeline

{

"party": "Mustermann GmbH"

"amount": 2500000

"currency": "EUR"

"type": "RealEstate"

"jurisdictions": ["DE","CH"]

}

→ Response: 447ms

verdict: "PASS"

warranty_token: "WT-2026-..."

risk_score: 12

OWiG-Reform und EU RL 2024/1203 — derzeit Gesetzesentwurf, technisch bereits heute umsetzbar als T=0 Execution Lock

OWiG-Reform Pipeline — Normen, Input, T=0-Prüfung, Execution Lock, Verdict

Left: overview and status. Right: the technical flow of the T=0 execution lock.

⚠ BILL — NOT YET IN FORCE

§30(2a) OWiG (new) is part of the government bill BT-Drs. 21/6133 implementing EU Directive 2024/1203 (cabinet approval 29 April 2026, first Bundestag reading 11 June 2026, currently with the committees, the Bundesrat's 12 June 2026 statement in BT-Drs. 21/6668 not yet finally addressed). No entry-into-force date is confirmed, and the wording may still change during the further legislative process. The SLE attestation described here prepares companies for the foreseeable legal position, it does not replace current legal advice and does not establish an already-existing legal entitlement.

RECENTLY ADDED LEGAL FRAMEWORKS

EU RL 2024/1203

Environmental crime — first implemented in gateHeavyIndustry SUB-GATE 5, T=0 execution lock before batch release

→ gateHeavyIndustry

§ 30 Abs. 2a OWiG-E

Corporate sanctions up to €40M — SLE attestation technically prepared, bill not yet in force

↑ oben / above

ECB CBDC Framework 2026

Digital euro — pre-ledger sealing ahead of every ledger movement in gateCBDC

→ gateCBDC

MiFID II · MAR Art. 12 · RTS 6

Market abuse in high-frequency trading — microsecond sealing of every order in gateHFT

→ gateHFT

GwG § 4 · RL 2015/849

Cross-border syndicated loans — one obscured UBO blocks the entire syndication

→ gateConsortiumLoans

EU-Vergaberichtlinie 2014/24/EU

Public procurement — ESG, wage compliance and bidder integrity sealed at the moment of award T=0

→ gateProcurement

UStG § 12 · § 15 · § 13a/b

VAT execution at point of sale — the POS receipt becomes the irrevocable attestation point

→ gateTaxExecution

eIDAS VO 910/2014

Administrative act merge — inseparable coupling to the citizen's eID assertion

→ gateBundID

⚠ WITHOUT SLE ATTESTATION

✗Corporate fine up to €40M under §30 OWiG — full amount, no proof of effective prevention

✗Compliance manual documents intent — not the moment of actual prevention

✗EU Directive 2024/1203: once an environmental offence is physically executed, fine reduction is barely enforceable after the fact

✓ WITH SLE ATTESTATION

✓compliance_attestation.sle_eligible = true — cryptographically sealed before physical batch release

✓proof_standard = DETERMINISTIC_T0_EXECUTION_LOCK — prevention at T=0, not asserted retroactively

✓legal_benefit field in the audit trail: fine reduction or case dismissal, documented per incident

✓EU Directive 2024/1203 as an algorithm-bound norm — rule-version-hash-bound in the algoSig

✓

gateHeavyIndustry carries SUB-GATE 5 as the direct hit, but EU Directive 2024/1203 and §30(2a) OWiG (new) are additionally anchored as an algorithm-bound normative reference in gateAgriFood, gateEsgSocial and gateProcurement, rule-version-hash-bound in the algoSig and in the applied_norms field of every audit trail. Four new verdicts are live: BLOCK_H5_ENVIRONMENTAL_CRIME_PERMIT_INVALID, _PERMIT_EXPIRED, _NO_PRENOTIFICATION, _ECOSYSTEM_PERMIT_MISSING.

⚖️

A deterministic infrastructure layer that answers a single binary question before any transaction: does a known, legally binding norm collision exist for this combination of jurisdictions and transaction type — one where simultaneous compliance with both norms is logically impossible?

Not a constitutional court. Not legal advice. Not an AI assessment. A deterministic register match. Same input → same output. Always. No grey zone. No discretion.

Institutions that exclusively require secondary law checks use the standard pipeline (Gates 1–7) — complete, with Warranty Token, without Gate 0. Gate 0 is activated at tenant level for transactions with a genuine constitutional dimension.

→ See Gate 0 in detail

HARD_BLOCK

FUNDAMENTAL_RIGHTS_HOLD

CLEAR

25 coded norm pairs, 53 jurisdictions — exclusively based on binding ECJ, BVerfG and ECHR rulings. No legal opinions. Only court-confirmed collision patterns, encoded as binary logic.

UN (UDHR, ICCPR) → EU (Charter Art. 1,7,8,11,16,17,20,21,47) → CoE (ECHR Art. 3,6,8,10,P1-1) → National (Basic Law Art. 1,2,10,12,13,14 · CH BV Art. 7,13,26 · HRA Art. 6,8 · US 4th/5th/14th Amendment · JP Art. 13,35 · AE Art. 26,31 · BR Art. 5X)

When a new ruling establishes a new norm collision, all historical tokens are rechecked against the new collision. Affected tokens receive RETROACTIVELY_BLOCKED — with bi-temporal proof: when the law applies (Valid-Time) vs. when the system recorded it (Transaction-Time). The original CLEAR remains in the ledger.

G1–7

Secondary law — norms enacted by parliaments and regulatory bodies that can be amended, supplemented and interpreted differently by different courts: DORA, NIS2, GDPR, AMLA, MiFID II, KWG, GwG.

Gate 0 sits one level above. Primary law (EU Charter, ECHR, national constitutional law) cannot be overridden by secondary law — it is the other way around. When secondary law conflicts with primary law, the secondary law must yield.

Every execution — with or without Gate 0 — ends in a Warranty Token. A cryptographic causality proof, mathematically verifiable by any court, any supervisory authority, any audit committee. Without system access. Without us.

SHA-256(rule_version | input_snapshot | verdict | ntp_consensus) == causal_proof

The artifact survives system shutdown, insolvency and political intervention — because anyone who knows the public verification algorithm can independently verify it.

Full Collision Register →

🏦

GLEIF-Validierung Sanctions-Screening AML/PEP-Prüfung

Basel III · DORA · MiFID II · AMLD6

🛡️

Solvency-II Capital Monitor ORSA Stress Test PRIIPS KID Generator

Solvency II · IDD · IFRS 17

🏰

Export-Kontrolle FDI-Screening Sanktionen & Embargos

EU Dual-Use 2021/821 · ITAR · EAR

🏛️

GG-Deterministic-Engine EU-GRCh-Analyse CDS-Receipt

GG Art. 1–19 · EU-Grundrechtecharta

⚡

CSRD-Reporting EU-Taxonomie-Prüfung NIS2-Compliance

EnWG · EU ETS · NIS2 · DORA

🏢

Beneficial-Ownership-Check Transparenzregister Source-of-Funds

GwG · AMLD6 · Notaranforderungen

🤝

MaDD-Pipeline FDI-Screening Kartellrecht-Check

FDI-Mechanismus · Sanktionsrecht

☁️

Cloud-Act-Analyse GAIA-X Self-Description EU-AI-Act-Readiness

DORA · NIS2 · ISO 27017 · SOC2

⚽

gateSport — VAR, 24 Gates gateMotorsport gateAntiDoping · gateTransfer

FIFA Laws of the Game · FFAR · WADA Code · PSR/FFP

💎

Source-of-Funds-Verification Enhanced-Due-Diligence Beneficial-Ownership

FATCA/CRS · AMLD6

✈️

Just Culture TCO-Autorisierung Airworthiness Records

EU 376/2014 · TCO-Verordnung 452/2014 · EASA Part-ML

📱

VLOP-Schwelle Minderjährigen-Werbeverbot COPPA

DSA 2022/2065 · 15 U.S.C. §6501

🎵

Split-Sheet Multi-Sig KI-Transparenz Art. 50 Sample/Sync-Clearance

AI Act Art. 50 · DSM 2019/790 Art. 3 · 17 U.S.C.

🧪

Consent-Dokumentation Protokoll-Adhärenz AE-Never-Block

ICH E6(R3) · EU-CTR · 21 CFR Part 11

🚛

Gefahrgut (ADR) CSDDD/LkSG CBAM

ADR 1.1.3.6 · LkSG §2 · CBAM 2023/956

🧵

ILO-Kernkonventionen BSCI-Audit-Stufe Mindestlohn

ESRS S2 · Delegierte VO (EU) 2023/2772

🌍

CSRD/ESRS E+S+G Emissionsfaktoren-Anker Audit-Provenienz

CSRD 2022/2464 · ESRS 2023/2772

🏭

Maschinenrichtlinie DGUV Vorschrift 68 IEC 62443-3-3

RL 2006/42/EG · REACH Art. 31 · TRGS 510

🚆

TSI/RINF RID/GGVSEB ETCS-CCS TSI

RL 2016/797 · RL 2016/798

🏗️

CBAM IED/BAT-AEL Seveso III

VO (EU) 2023/956 · RL 2012/18/EU

⚡

RED III 24/7-Matching BSI-SMGW EU-ETS

TR-03109 · RL 2023/959

🌾

Agri-Food

EUDR EFSA-Rückstandsgrenzwerte HACCP/TRACES

VO (EU) 2023/1115 · VO (EU) 2025/2650

🏦

Banking Compliance

OFAC/EU/UN-Sanktionen 6AMLD/GwG DORA Art. 9

EU 2018/1673 · EU 2022/2554

🏛️

Government Acts

GG Art. 1-19 VwVfG §28/37/39 DSGVO Art. 5/6

Grundgesetz · VwVfG

🏢

Real Estate Transactions

Transparenzregister Notar-Escrow EU-Taxonomie

EU RL 2015/849 · VO (EU) 2020/852

💶

Digital Euro (CBDC)

Ledger Pre-Check Sanctions Snapshot AML Realtime

ECB CBDC Framework 2026 · 6AMLD · OFAC/EU/UN

📈

High-Frequency Trading

Algorithm Bias MiFID II MAR Venue Authorization

MiFID II · MAR Art. 12 · RTS 6 2017/589/EU

🌐

Syndicated Loans

Cross-Sector Parallel Jurisdiction Conflict Syndication Attestation

GwG § 4 · RL 2015/849 · OFAC/EU/UN

📋

Public Procurement

ESG Compliance Tariftreue Bidder Integrity

EU-Vergaberichtlinie 2014/24/EU · TVG § 4 · AEntG

🧾

VAT Execution at POS

USt-Berechnung § 12 Vorsteuerabzug § 15 Ledger-Unwiderruflichkeit

UStG § 12 · § 15 · § 13a/b

🪪

eIDAS Administrative Acts

eID-Assertion LoA Verwaltungsakt-Merge Behörden-Gültigkeit

eIDAS VO 910/2014 · VwVfG

FIRST MOVER ADVANTAGE

The chain advantage.

Every execution is WORM-committed and Merkle-chained. The chain has been running since June 2026. No new market entrant can replicate this history. It exists once. Here.

The determinism advantage.

LLM competitors can never be deterministic. That is not a weakness of their implementation. It is a fundamental property of language models. We have combined both worlds. They cannot undo that.

The network effect.

Every Reliance Decision Record that an institution builds on an immo.quick artifact creates a documented dependency graph. That graph grows. It creates switching costs no competitor can break.

⚠ WITHOUT IMMO.QUICK CORE

✗DORA Art. 5: Personal liability for ICT risks — no proof of due care possible

✗SOX §302: CEO/CFO personally liable for false certifications — up to 20 years

✗6th AML Directive: Personal criminal liability for AML failures massively expanded

✗Delegation gaps: if a subordinate fails, the manager is personally liable

✓ WITH IMMO.QUICK CORE

✓Liability Distance Score: individually calculated and WORM-sealed for CEO, CFO, CCO

✓Seamless delegation chain: every level cryptographically documented — no liability gaps

✓GLD Score: maker-checker independence mathematically proven — no groupthink risk

✓-32% D&O insurance premium: insurers accept Liability Distance Score as risk reduction

✓

Compliance as a Service.

f(x) = Law. Notation is not infrastructure.

Compliance as
a Service.