Buyer KYC Orchestration — PRD
v3
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Buyer KYC Orchestration — PRD
DO
Daniel Okafor
Okta SSO · identity verified

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Buyer KYC Orchestration — PRD
DO
Daniel Okafor
Okta SSO · identity verified
What changed since you last approved 2 edits
1Evidence retention: 12 months → 7 years (regulated-adjacent flows)
2v1 verticals: removed “Luxury / resale”
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Buyer KYC Orchestration — PRD
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Dana Levy
dana.levy@acme.com
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DO
Daniel Okafor
daniel@acme.com
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prd-buyer-kyc.md Compliance / Legal view ⌘K commands
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Seal summary · written for Compliance / Legal
Lens summary written for this role

Launch Buyer KYC Orchestration as an add-on SKU — a native extension of the Trust Platform. A conversion-rescue engine, not an onboarding gate: recover legitimate transactions blunt risk filters would otherwise decline.

Key decisions

  • Product modelAdd-on SKU · native platform UI (not a separate console)
  • Primary buyerFraud / Payments / Risk leader · secondary: Compliance/Legal
  • v1 verticalsTravel · marketplaces · gift cards/digital value · delivery
  • Evidence retention7 years for regulated-adjacent (Phase 2) flows
  • Explicitly NOTBank-grade AML/KYB · money-movement KYC · seller KYB

What this means for you

Evidence lifecycle
Retention moved to 7 years — this defines your audit & appeal evidence window.
Agentic commerce
Principal-to-agent binding is required before a silent approve on agent-initiated high-risk buys.

Your call to make

Evidence retention moved 12 months → 7 years for regulated-adjacent flows. Confirm it satisfies exam defensibility before change #142 merges.

PRD: Risk-Based Buyer KYC Orchestration

0) Executive summary

Launch Buyer KYC Orchestration as a native extension of the Trust Platform (not a separate console). It is a conversion-rescue engine, not an onboarding gate — it recovers legitimate transactions that blunt risk filters would otherwise decline.

1

Evidence retention (Phase 2): customer verification records are retained for 7 years for regulated-adjacent flows, then purged.

5.3 Vertical overlays in v1

Travel · Marketplaces (buyer side) · Gift cards / digital value · Delivery.

5.4 Agentic commerce identity

If a high-risk purchase appears agent-initiated, require principal confirmation via a trusted channel before final approval state. Merchant controls where this is enabled.

# PRD: Risk-Based Buyer KYC Orchestration

## 0) Executive summary

Launch Buyer KYC Orchestration as a **native extension of the Trust Platform** (not a separate console). It is a **conversion-rescue engine**, not an onboarding gate — it recovers legitimate transactions that blunt risk filters would otherwise decline.

**Evidence retention (Phase 2):** customer verification records are retained for **7 years** for regulated-adjacent flows, then purged.

## 5.3 Vertical overlays in v1

Travel · Marketplaces (buyer side) · Gift cards / digital value · Delivery.

## 5.4 Agentic commerce identity

If a high-risk purchase appears agent-initiated, **require principal confirmation via a trusted channel** before final approval state. Merchant controls where this is enabled.
Brief & comments1
Same file, easier to read — this renders prd-buyer-kyc.md. Your comments go back to the agent; the canonical Markdown is sealed by content hash. v3 · sealed