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.