Back to Projects10 founder interviews • Lawyer-reviewed • Borderline flagged
Regtech • Active
14d 23h 35m leftWill CBUAE call you a payment facilitator on 16 Sep?
15 questions. 12 minutes. Dated PDF evidence file you can show an inspector, partner or investor — mapped to Decree-Law 6/2025 Art 61/62 + April 2026 FAQ.
For UAE fintechs facilitating payments, wallets, crypto/open-finance. Function-over-form test: “Could the customer complete the payment without you?”
12 min
Check Time
AED 999
Price
16 Sep 2026
Deadline
Up to 1B
Fine Covered
Refund if not useful — keep PDF• Instant email + dashboard•14 days support • Re-run if product changes
✓
✓
✓
What you actually risk
Do nothing
Fine up to 1B
+ freeze
Law firm memo
AED 25–40k
2–4 weeks
CBUAE Deadline Shield
AED 999
12 min • dated PDF
Art 62 Readiness Check • Dated Evidence File
Save ~30×
What ships
- Risk tier: Outside / Likely Outside / Needs Review / Likely Inside + citation
- Triggered Art 61 activities + Art 62 facilitation test result
- Dated reasoning note you can show inspector
- Evidence checklist + gaps + 5-year retention note
- Agent vs licence decision tree + CBUAE email template
- Daily monitoring until 16 Sep + re-run button
Not legal advice • Borderline → refer to counsel
Sample evidence file (redacted)
CBUAE Deadline Shield — Evidence File
Dated 18 Aug 2026 • #CBU-2026-041Check Time: 12 minPrice: AED 999Deadline: 16 Sep 2026Regtech
Triggered activities
Art 61(a) Payment services — NOT triggered
Art 62 Facilitation — NOT triggered (technology provider carve-out)
Reason: customer completes payment without you
Art 62 Facilitation — NOT triggered (technology provider carve-out)
Reason: customer completes payment without you
Citations
Decree-Law 6/2025 Art 61/62
CBUAE April 2026 FAQ Q3, Q7
Robius checklist — function-over-form
CBUAE April 2026 FAQ Q3, Q7
Robius checklist — function-over-form
Evidence checklist
Product flow diagram Customer T&Cs — no fund holding Gap: governance artefact Territorial assessment
Playbook next: Agent vs licence tree → deemed-licensed notification template → CBUAE contact: licensing@cbuae.gov.ae (est. 3-5d) • Investor FAQ snippet included.
Deterministic tiering — LLM only for rationale • Retain 5 yearsv1.0 • Audit trail
Why deterministic beats LLM guess
Tiering is rules engine from decree text + FAQ + Robius test — not a hallucinated memo. LLM only drafts plain-English reasoning. Defensible in inspection, cheap at AED 999.
Borderline? We flag — we don’t force.
How it works — 12 minutes, no jargon
15 guided questions → tier + citation → dated PDF. Full 8-step audit trail collapses below.
01 • 3 min
Answer 15 Qs
Do you initiate/route/process? Hold funds? Issue tokens? Where are customers?
02 • <30s
Get tier + citation
Outside / Likely Outside / Needs Review / Likely Inside with decree + FAQ link.
03 • <1 min
Download dated PDF
Reasoning note + checklist + gaps + playbook + CBUAE email template. Re-run if product changes.
Full 8-step audit trail
1
Product Flow Intake • 3 min
You describe your flow in 15 guided questions — no legal jargon.
2
Perimeter Mapping • < 30 sec
Scope mapper checks each answer against Art 61 activity list and Art 62 facilitation rule.
3
Territorial Check • < 10 sec
Confirms whether mainland, DIFC, or ADGM rules apply based on your customer reach.
4
Risk Tier Assignment • < 5 sec
Assigns tier with citation to decree text and April FAQ, not a guess.
5
Evidence File Build • < 1 min
Evidence assembler produces PDF with reasoning, checklist and gaps.
6
Playbook Generation • < 1 min
Generates action playbook: agent vs licence decision tree + CBUAE contact template.
7
Delivery • Instant
PDF delivered to inbox + dashboard with re-run button if product changes.
8
Monitoring • Until deadline
Daily monitoring until 16 Sep — you get alert if CBUAE extends or clarifies.
Do nothing
Risk up to AED 1B
- • Operating without licence after 16 Sep
- • Partner diligence fails
- • No evidence for inspector/investor
Law firm memo
AED 25–40k • 2–4 weeks
- • Bespoke memo, no monitoring
- • No re-run if product changes
- • Hard to show investor quickly
Deterministic agent mesh (not a chatbot)
Live system presentation
CBUAE Deadline Shield · Agent Mesh
Step 13 min
Product Flow Intake
You describe your flow in 15 guided questions — no legal jargon.
Do you initiate/route/process payment?Do you hold customer funds?Do you issue payment tokens?Jurisdiction & customer location
Objections, answered
If it’s not answered, you’ll hesitate. So we answer it here.
No — it’s a dated reconciliation file + reasoning note with citations to Decree-Law 6/2025 and the April 2026 FAQ. It’s what inspectors, partners and investors ask for as your audit trail. Borderline cases are flagged ‘Needs Review — refer to counsel’ (we don’t force a tier). You keep the PDF even if you get a refund.
Dated before 16 Sep • Keep even if refunded
Get your dated evidence file before the deadline.
12 minutes • AED 999 • Instant PDF + daily monitoring until CBUAE closes the window. If first assessment isn’t useful, 100% refund.
Questions? Talk to a human • Responses in < 24h • Borderline flagged, not forced
5-year retention ready•Citation: Decree 6/2025 Art 61/62 + FAQ•Deterministic — LLM only for rationale