Marketplace Anti-Fraud Policy

Field	Value
policy-id	DIA-MARKETPLACE-ANTI-FRAUD-001
type	Constitutional operational act / marketplace risk policy
version	0.1.0-draft
date	2026-05-27
basis	Constitution Art. XV, XVI; Role to IAL Matrix; Proposal 021; Proposal 051

Purpose

Marketplace surfaces create financial and operational risk. Orbiplex should keep ordinary cooperation easy while making scams, self-dealing, and high-value abuse slow, visible, and costly.

Baseline Rules

The default marketplace policy is:

• no unsolicited financial offers through DM,
• all financial offers should use explicit service or marketplace surfaces,
• new participants begin with very low value caps,
• escrow or procurement contracts are required where risk is non-trivial,
• external payment links are restricted for new or low-evidence participants,
• self-dealing does not create transferable reputation,
• high-value surfaces require stronger IAL, procedural reputation, cooling-off, and dispute paths.

Risk Tiers

marketplace:
  new_participant:
    max_contract_value: low
    escrow_required: true
    external_payment_links: denied
    unsolicited_offers: denied
  elevated:
    min_IAL: IAL1_or_higher
    min_contract_reputation: threshold
    independent_receipts_required: true
  high_value:
    min_IAL: strong
    cooldown: required
    dispute_path: required
    legal_notice_policy: required

Evidence

Marketplace reputation should derive from first-hand settled receipts linked to contracts, orders, settlements, or dispute outcomes. Gossip-only score updates and closed-loop boosting should not unlock value caps.

Enforcement

Patterns such as hidden acquisition, unsolicited financial solicitation, suspicious fan-out, repeated refund abuse, fake receipt loops, and target asymmetry may trigger:

• marketplace hold,
• value cap reduction,
• escrow-only mode,
• procedural reputation signals,
• sponsor review,
• routing cut-off from marketplace surfaces,
• or formal dispute escalation.