Economy and Stewardship Source Pack

Source pack version 0.1 — verified 2 August 2026
This registry supports architecture and issue spotting. It is not legal, tax, accounting, statistical, or payments advice.

Status labels

Normative baseline — selected current standard or protocol baseline.
Implementation reference — official product or protocol documentation used for architecture.
Legal watch — authoritative or official material requiring current qualified review.
Operational reference — official guidance for implementation and controls.
Tracking — changing rulemaking or product capability that must be rechecked.

Stripe Connect marketplace architecture

Build a marketplace

Publisher: Stripe
URL: docs.stripe.com/connect/marketplace
State: Implementation reference
Used for: Marketplace model, connected accounts, platform checkout, application fees, destination charges, separate charges and transfers, merchant and platform responsibilities.
Key point: In Stripe’s recommended marketplace model, the platform may process payments, pay Stripe fees, manage refunds and disputes, and control payouts.
Checked: 2 August 2026

Marketplace essential tasks

Publisher: Stripe
URL: docs.stripe.com/connect/marketplace/essential-tasks
State: Implementation reference
Used for: Choosing money flow, account interaction, loss responsibility, and platform monetization.
Checked: 2 August 2026

Create connected accounts

Publisher: Stripe
URL: docs.stripe.com/connect/marketplace/tasks/create
State: Implementation reference
Used for: Connected-account onboarding, seller or service-provider separation, compliance information, transaction history, and payout schedules.
Checked: 2 August 2026

Collect application fees

Publisher: Stripe
URL: docs.stripe.com/connect/marketplace/tasks/app-fees
State: Implementation reference
Used for: Platform fees through destination charges or retained amounts in separate charges and transfers.
Important note: Stripe states that the platform is responsible for relevant Stripe and dispute fees in the described marketplace configuration.
Checked: 2 August 2026

Separate charges and transfers

Publisher: Stripe
URL: docs.stripe.com/connect/separate-charges-and-transfers
State: Implementation reference
Used for: Splitting one payment among multiple connected accounts or transferring after recipient allocation becomes known.
Risk note: The platform’s balance may be responsible for fees, refunds, failed asynchronous payments, and transfers depending on flow.
Checked: 2 August 2026

Refunds and disputes

Publisher: Stripe
URL: docs.stripe.com/connect/marketplace/tasks/refunds-disputes
State: Operational reference
Used for: Refund, transfer reversal, dispute, chargeback, and indirect-charge liability workflows.
Key point: Stripe states that for indirect charges, refunds, disputed amounts, and fees can debit the platform balance, and the platform may reverse transfers to recover funds.
Checked: 2 August 2026

Disputes on Connect platforms

Publisher: Stripe
URL: docs.stripe.com/connect/disputes
State: Operational reference
Used for: Determining who responds to disputes and which account bears disputed funds and fees according to charge and controller configuration.
Checked: 2 August 2026

Risk and liability management

Publisher: Stripe
URL: docs.stripe.com/connect/risk-management
State: Operational reference
Used for: Negative balances, unrecoverable losses, reserves, platform versus Stripe responsibility, and risk controls.
Checked: 2 August 2026

Tax and reporting

U.S. tax reporting for Connect platforms

Publisher: Stripe
URL: docs.stripe.com/connect/tax-reporting
State: Implementation and legal-watch reference
Used for: Forms 1099-K, 1099-NEC, and 1099-MISC and allocation of reporting responsibility between Stripe and the platform.
Key point: Stripe documents configurations where the platform, rather than Stripe, is responsible for relevant 1099 reporting.
Checked: 2 August 2026

Required verification information for taxes

Publisher: Stripe
URL: docs.stripe.com/connect/required-verification-information-taxes
State: Implementation reference
Used for: Legal name, taxpayer identification number, address, business type, and payout restrictions related to tax information.
Checked: 2 August 2026

Stripe Tax with Connect

Publisher: Stripe
URL: docs.stripe.com/tax/connect
State: Implementation reference
Used for: Tax calculation and transaction reporting across multi-party Connect use cases.
Important limitation: The liable entity depends on business model, marketplace laws, jurisdiction, and transaction facts; the tool does not decide ANUKA’s legal tax role.
Checked: 2 August 2026

IRS Publication 15-A (2026)

Publisher: U.S. Internal Revenue Service
URL: irs.gov/publications/p15a
State: Legal watch
Used for: Common-law worker classification, employee relationships, and federal employer guidance.
Checked: 2 August 2026

Worker classification

IRS — Independent contractor or employee

Publisher: U.S. Internal Revenue Service
URL: irs.gov independent contractor or employee
State: Legal watch
Used for: Behavioral control, financial control, type of relationship, and the total factual relationship.
Critical point: No label or single factor determines status.
Checked: 2 August 2026

IRS — Behavioral control

Publisher: IRS
URL: irs.gov behavioral control
State: Legal watch
Used for: Instructions, evaluation systems, training, and control over methods.
ANUKA implication: Evaluation of how work is performed can indicate employment; pure outcome measurement alone is not determinative.
Checked: 2 August 2026

IRS — Type of relationship

Publisher: IRS
URL: irs.gov type of relationship
State: Legal watch
Used for: Contracts, benefits, permanence, and work that is a key activity of the business.
Checked: 2 August 2026

Department of Labor — 2024 rule and 2026 proposed rulemaking

Publisher: U.S. Department of Labor, Wage and Hour Division
Current rule page: dol.gov misclassification rulemaking
2026 proposal: dol.gov 2026 rulemaking
State: Tracking and legal watch
Used for: FLSA economic-reality analysis and current federal enforcement environment.
Status observed: The 2024 final rule took effect March 11, 2024. In February 2026 the Department proposed a replacement and stated that it was no longer applying the 2024 rule in investigations; official materials also note the 2024 rule remains relevant in private litigation. The 2026 comment period closed April 28, 2026.
ANUKA implication: Recheck immediately before launch and review state and local standards separately.
Checked: 2 August 2026

DOL Fact Sheet 13

Publisher: U.S. Department of Labor
URL: dol.gov Fact Sheet 13
State: Tracking and legal watch
Used for: Employment relationship and current rulemaking notices.
Checked: 2 August 2026

Money transmission and custody boundary

FinCEN administrative ruling — online payment and settlement platform

Publisher: Financial Crimes Enforcement Network
URL: fincen.gov administrative ruling
State: Legal watch
Used for: The principle that accepting, maintaining, settling, and releasing customer funds can constitute money transmission depending on facts.
ANUKA implication: Do not describe an internal ledger or delayed Connect transfer as escrow or assume a provider integration resolves all licensing questions.
Checked: 2 August 2026

Sanctions

OFAC Framework for Compliance Commitments

Publisher: U.S. Treasury, Office of Foreign Assets Control
URL: ofac.treasury.gov framework announcement
State: Legal-watch and operational reference
Used for: Risk-based sanctions compliance program design.
Checked: 2 August 2026

OFAC FAQ 560

Publisher: OFAC
URL: ofac.treasury.gov/faqs/560
State: Legal watch
Used for: Equal sanctions obligations across traditional and digital-value transactions and need for tailored screening and controls.
Checked: 2 August 2026

OFAC guidance for instant payment systems

Publisher: OFAC
URL: ofac.treasury.gov recent action 20220930_33
State: Operational reference
Used for: Incorporating sanctions controls into new payment technologies and risk-based program design.
Checked: 2 August 2026

Consumer and public claims

FTC Policy Statement Regarding Advertising Substantiation

Publisher: U.S. Federal Trade Commission
URL: ftc.gov advertising substantiation
State: Legal watch
Used for: Requirement that objective product, quality, growth, and performance claims possess a reasonable basis before dissemination.
Checked: 2 August 2026

Securities and investment boundary

SEC Statement on Tokenized Securities

Publisher: SEC Divisions of Corporation Finance, Investment Management, and Trading and Markets
URL: sec.gov Statement on Tokenized Securities
Date: 28 January 2026
State: Legal watch
Used for: The principle that a tokenized security remains a security and that economic substance matters.
Checked: 2 August 2026

SEC Commissioner statement — Enchanting, but Not Magical

Publisher: U.S. Securities and Exchange Commission
URL: sec.gov tokenization statement
Date: 9 July 2025
State: Conceptual and legal-watch reference
Used for: Clear warning that blockchain tokenization does not transform the legal nature of an underlying security.
Checked: 2 August 2026

Reputation and employment screening

CFPB Circular 2024-06

Publisher: Consumer Financial Protection Bureau
URL: consumerfinance.gov Circular 2024-06
State: Legal watch
Used for: Worker dossiers and algorithmic scores used for employment decisions and possible FCRA coverage.
Checked: 2 August 2026

Identity and authorization dependencies

NIST SP 800-63-4

Publisher: NIST
URL: csrc.nist.gov SP 800-63-4 final
State: Normative identity reference
Used for: Risk-based proofing, authentication, federation, and recovery for contributors, stewards, and payout actors.
Checked: 2 August 2026

OpenID AuthZEN Authorization API 1.0

Publisher: OpenID Foundation
URL: openid.net Authorization API 1.0
State: Implementation reference
Used for: Decoupled policy decision and enforcement for stewardship powers and product permissions.
Checked: 2 August 2026

Adoption rules

Stripe Connect is the initial payment orchestration provider, not a reason to omit legal analysis.
Every money flow names merchant, seller, fee payer, refund controller, loss bearer, and tax owner.
The internal ledger is double-entry and does not market itself as a bank or escrow account.
Worker status is determined from facts under all applicable laws.
Sponsored features are customer funding or pre-orders by default, not investments.
Revenue share, profit participation, equity, debt, and tokens are excluded from the MVP.
Public value claims identify evidence strength and limitations.
Sanctions, tax, dispute, and negative-balance controls are MVP requirements.
The 2026 DOL rulemaking must be rechecked before paid marketplace launch.

Review procedure

Before each economy release:

re-open every cited URL;
verify current rule and product status;
inspect Stripe account and charge configuration;
map actual money flow;
review tax form responsibility;
review initial launch states;
review sanctions and cross-border availability;
confirm campaign terms and refund implementation;
confirm no investment-like rights were introduced;
update source dates and legal-watch notes.

Registry maintenance

Last manual validation: 2 August 2026
Next review: Before any paid marketplace pilot or within 30 days, whichever comes first
Legal owner: Unassigned
Payments owner: Unassigned
Tax owner: Unassigned