---
guosmmDocumentId: GUOSMM-B-2026-003
title: "Hermes Insurance — Prudential Institution Charter (Insurance Operations)"
instrumentVersion: 1.2
language: en
publishedAt: 2026-07-01T20:00:00Z
effectiveAt: 2026-05-02T00:00:00Z
operationsCommencement: 2026-05-02T00:00:00Z
signingAuthority: Sovereign Military Order of Malta
licenseClass: entity.insurance
licenseId: LICENSE-HERMES-SHOSJJ-2026-001
---
| Field | Value |
|---|---|
| Document ID | `GUOSMM-B-2026-003` |
| Series | B |
| Document type | Prudential Institution Charter — Insurance Operations |
| Instrument version | 1.2 |
| Entity | Hermes Insurance |
| License class | `entity.insurance` |
| License ID | `LICENSE-HERMES-SHOSJJ-2026-001` |
| Issuing delegate | `pack-dbis` |
| Prudential supervisor | `pack-omnl` |
| Fineract external ID | `HERMES-OMNL` |
| Fineract office | 32 |
| Published | 2026-07-01T20:00:00Z |
| Operations commencement (nunc pro tunc) | 2026-05-02T00:00:00Z |
| Parent acts | `GUOSMM-A-2026-001`, `GUOSMM-A-2026-002`, `GUOSMM-A-2026-003`, `GUOSMM-B-2026-001`, `GUOSMM-B-2026-002`, `GUOSMM-C-2026-001`, `GUOSMM-C-2026-002` |
---
**Issuance:** Sovereign Military Order of Malta → SHOSJJ Licensing Authority (`GUOSMM-A-2026-002`) → delegate **pack-dbis** · supervisor **pack-omnl**
**Prudential charter:** `GUOSMM-B-2026-001` supervised insurance institution
---
**Official long name:** Sovereign Military Hospitaller Order of St John of Jerusalem of Rhodes and of Malta.
**Recognized designations (same sovereign authority):**
SMOM and SHOSJJ are short forms of the **same** sovereign international legal personality under the official long name; GUOSMM uses all three forms interchangeably.
1. **Sovereign authority:** official long name (SMOM / SHOSJJ designations) — published in GUOSMM Tier 1.
2. **Monetary issuer:** **Treasury** issues **SCUDO** under `GUOSMM-A-2026-001`. **GRU** is **monetary policy** for the tokenized reserve basket (commodities, currencies, securities, …) — **not** the issuer. **OMNL is not the issuer.**
3. **License issuer:** **SHOSJJ Licensing Authority** under `GUOSMM-A-2026-002` — **OMNL is not the licensor.**
4. **OMNL EMCB** (`GUOSMM-B-2026-001`) — **EMCB institution of the Order**; domestic e-money chain only; **not DBIS**.
5. **DBIS** (`GUOSMM-C-2026-001`) — **Tripartite Sovereign Body** settling between **EMCBs and other central banks** within the **treatied nations of the Order**; completely apart from the OMNL chain. See `gazette/docs/MONETARY_ARCHITECTURE_CANONICAL_SCHEMA.md`.
**Canonical license identifiers** use the `-SHOSJJ-` suffix (e.g. `LICENSE-ZBANK-SHOSJJ-2026-001`). Fineract external IDs ending in `-OMNL` are operational routing aliases under OMNL supervision — not license issuance labels.
1. **Commercial and inter-institutional disputes** among Order-chartered parties arising under this Charter: **ICC Arbitration**, Paris seat, **ICC Rules 2021**, English language, one arbitrator unless the amount in dispute exceeds USD 500,000,000 (three arbitrators). The arbitral award is final; enforcement follows the **New York Convention** where applicable.
2. **Licensing and prudential appeals** (suspension, revocation, fit-and-proper): administrative path under `GUOSMM-A-2026-002` through the **SHOSJJ Licensing Authority** → Licensing Governance Board → Grand Chancellor; **judicial license appeals** per `GUOSMM-A-2026-003` Article 6.2 (ICCC chamber rules).
3. **Forum separation:** licensing appeals do not stay commercial arbitration unless a final ICCC order expressly requires it under Order law.
External banking, insurance, money-transmission, and correspondent access in nation-state jurisdictions requires closure of Track B compliance matrices and program counsel sign-off. This instrument establishes **Order capacity and internal operations commencement** only.
Interoffice allocations at or above **USD 100,000,000,000** per tranche, or cumulative HO batch programme materiality thresholds, require maker-checker control and, where applicable, second-reviewer approval before ledger posting.
Between **2 May 2026** and Tier 1 publication of this instrument, provisional operations were conducted under:
Forward-looking bounded digital operations: **`GUOSMM-E-2026-003`** (PDOA, SHOSJJ Licensing Authority).
Interim basis and evidence index: **`GUOSMM-E-2026-002`** (HO batch governance and interim operations notice).
Upon Tier 1 publication, operations **commencing 2 May 2026** are **ratified nunc pro tunc** to the extent consistent with this Charter and parent acts. **No retroactive claim** arises against external regulators, correspondents, or policyholders without separate Track B evidence and nation-state recognition.
Suspension or revocation follows the appeal path for the entity license class under `GUOSMM-A-2026-002` and `GUOSMM-A-2026-003` Article 6, through the **SHOSJJ Licensing Authority**, Licensing Governance Board, and Grand Chancellor as applicable.
| Role | Name | Scope |
| **Program counsel** | P.C. Walker, Esq. | Publication readiness, prohibited-claims register, Track A/B gating attestation (`GUOSMM-E-2026-002` counsel schedule) |
| **Institutional counsel** | David Eugene Ntshabele | Day-to-day charter interpretation, licensing conditions, external diligence responses (DBIS lane) |
Program counsel attestation does not substitute for institutional counsel on operational matters; neither attestation creates nation-state license equivalence.
Each HO batch institution is supervised by **OMNL** with a named **operations pool**:
| Role | Name | Entity lane |
| **Banking and Compliance Officer (prudential supervisor)** | Romeo L. Miles | OMNL (central bank) |
| **Operations pool** | Adam Michaelson; Bernard Niehaus; David Bullock | Officers Pool — shared maker-checker |
Material HO batch postings require at least **two distinct pool members** (maker + checker) and compliance oversight by the Banking and Compliance Officer or delegate. Full roster, entity liaisons, and fit-and-proper index: **`GUOSMM-E-2026-002`**.
Each institution **shall obtain** a distinct **GLEIF-issued, active** Legal Entity Identifier separate from OMNL LEI `98450070C57395F6B906`, with Level 1 relationship disclosure to OMNL, **before** Tier 2–5 external notice or correspondent KYB representation. Public designation names in this Charter do not substitute for domain registration, SOS name clearance, or external trademark clearance.
---
1.1 **Hermes Insurance** is established as an Order-chartered **insurance and contingent-liability institution** under the **Sovereign Military Hospitaller Order of St John of Jerusalem of Rhodes and of Malta** (SMOM / SHOSJJ; `GUOSMM-A-2026-003`), supervised by OMNL and licensed through delegate **DBIS** (`pack-dbis`).
1.2 Hermes Insurance holds license class **`entity.insurance`** under the SHOSJJ Licensing Authority (`GUOSMM-A-2026-002`).
1.3 Juridical capacity is limited to **captive, contingent, and programme insurance administration** for the OMNL/DBIS ecosystem and admitted institutions — **not** general retail insurance in nation-state markets without Track B closure.
1.4 **Programme domicile:** Order-supervised captive and contingent insurance programme administered from Boulder, Colorado, USA (OMNL supervisory seat). External insurance **domicile** and admitted-market authorization require nation-state Track B closure — not created by this Charter.
2.1 Subordinate to: `GUOSMM-A-2026-001`, `GUOSMM-B-2026-001`, `GUOSMM-A-2026-002`, `GUOSMM-A-2026-003`.
2.2 Shared standard terms (authority chain, seat, governing law, disputes, nunc pro tunc, materiality, counsel roles, suspension): **HO batch institution charters v1.2 shared terms** — incorporated herein. Governance roster: **`GUOSMM-E-2026-002`**.
2.3 Contingent insurance instrument taxonomy is governed by published vaulting family **insurance-contingent v1** (operator policy registry — not a substitute for this Charter).
2.4 External insurance, reinsurance, and regulatory recognition require Track B matrices and counsel sign-off.
3.1 Administration of **captive and contingent insurance programmes** supporting Order-chartered institutions.
3.2 Collateral, claims, and contingent liability **evidence and reporting** coordinated with OMNL treasury and settlement functions.
3.3 **Underwriting intelligence systems** (operational technology) are ancillary tools — they do **not** alone constitute licensed insurance activity in external jurisdictions.
4.1 HO programme reference ceiling: **USD 120,000,000,000** (1.2× base) under allocation identifier **HERMES-100B** for programme-scale collateral references — distinct from policyholder solvency capital in any external domicile.
4.2 Hermes Insurance shall maintain programme reserves and reinsurance arrangements proportionate to contingent exposures, published in Series E transparency reports when material. Programme standards: **`GUOSMM-B-2026-004`** (prudential programme standards — see `HERMES_PRUDENTIAL_PROGRAMME_STANDARDS.md`).
4.3 No policy shall be marketed as national statutory insurance without domicile-specific Track B approval.
5.1 **Prudential supervisor:** Romeo L. Miles, Knight of Malta — Banking and Compliance Officer, OMNL (central bank).
5.2 **Institutional counsel:** David Eugene Ntshabele, Legal Counsel, DBIS.
5.3 **HO Batch Operations Pool:** Adam Michaelson; Bernard Niehaus; David Bullock. Primary insurer pool liaison for Hermes Insurance: **Bernard Niehaus** (Insurer pool role).
5.4 Underwriting intelligence platforms remain ancillary; licensed insurance decisioning requires pool + compliance oversight.
5.5 Material programme changes require compliance review, two pool members where materiality thresholds apply, and counsel gate where matrices require sign-off.
5.6 Appeals: `pack-dbis` → Monetary and Treasury Administration → Licensing Governance Board → Grand Chancellor; ICCC chamber rules where applicable.
6.1 **Operations commencement:** **2 May 2026** (`2026-05-02T00:00:00Z`), ratified nunc pro tunc upon Tier 1 publication for **programme administration** only.
6.2 Fineract office **`HERMES-OMNL`** must remain provisioned and aligned with this Charter.
7.1 Amendments published in GUOSMM Series B (Prudential Standards / institution charters).
7.2 Tier 1 publication creates Order-law effectiveness; external notice tiers do not create insurance market access.
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*Signing authority: Sovereign Military Order of Malta · Instrument v1.2 · G9 counsel pending · G10 production signing blocked until G9*