HO Batch Provisional Digital Operations Authorization (PDOA)

GUOSMM-E-2026-003 · 2026-07-02T00:00:00Z

GAZZETTA UFFICIALE DELL'ORDINE SOVRANO MILITARE DI MALTA

OFFICIAL GAZETTE OF THE SOVEREIGN MILITARY ORDER OF MALTA (GUOSMM)

Field	Value
Document ID	`GUOSMM-E-2026-003`
Series	E
Document type	Supervisory Notice — Provisional Digital Operations Authorization
Issuing authority (Order)	SHOSJJ Licensing Authority (`GUOSMM-A-2026-002`)
Published	2026-07-02T00:00:00Z
Effective	2026-07-02T00:00:00Z
Hard sunset	2028-06-30

---

HO Batch Provisional Digital Operations Authorization (PDOA)

Section 1 — Purpose

This notice authorizes **bounded institutional digital operations** for HO batch entities **pending completion** of Track B external requirements (GLEIF LEI, domains, local registry filings). Issuance is by **SHOSJJ Licensing Authority** acting for the sovereign authority under its official long name (SMOM / SHOSJJ designations), not OMNL or nation-state regulators.

**Mandatory disclosure (all digital surfaces):**

*Provisional Order authorization — not a national banking, e-money, or insurance license. Subject to 2-year sandbox maximum; 6-month progress review.*

Section 2 — Covered institutions

Entity	GUOSMM charter	SHOSJJ license ID	Fineract office
zBank	`GUOSMM-C-2026-003`	`LICENSE-ZBANK-SHOSJJ-2026-001`	29 / `ZBANK-OMNL`
NovaBank	`GUOSMM-C-2026-004`	`LICENSE-NOVABANK-SHOSJJ-2026-001`	30 / `NOVABANK-OMNL`
AnakaBank	`GUOSMM-C-2026-005`	`LICENSE-ANAKABANK-SHOSJJ-2026-001`	31 / `ANAKABANK-OMNL`
Hermes Insurance	`GUOSMM-B-2026-003`	`LICENSE-HERMES-SHOSJJ-2026-001`	32 / `HERMES-OMNL`

Legacy Fineract routing IDs (`*-OMNL`) are operational aliases only — see `GUOSMM-E-2026-002` issuance schedule.

Section 3 — Allowed digital surfaces (institutional only)

1. Fineract / OMNL ledger (offices 29–32) — institutional KYB; maker-checker pool enforced.

2. Institutional banking portal and API — no retail marketing; PDOA disclosure banner required.

3. ISO 20022 institutional messaging — evidence correlation (C9).

4. Chain 138 institutional settlement — where URA policy profile applies.

5. Hermes programme/captive digital — `GUOSMM-B-2026-004` scope only; no admitted-market insurance sales.

6. Sandbox/stub integrations — operator ack `HO_BATCH_PDOA_ACK=1` only.

Section 4 — Forbidden until full Track B closure

Retail deposits; FDIC or statutory deposit insurance claims; correspondent KYB without GLEIF-issued LEI; public `.org` branding as fully licensed banks; live card-push to US consumers; admitted-market insurance; Tier 2–5 full-authorization claims; SWIFT / Fedwire / BIS membership claims.

Section 5 — Review schedule (every 6 months)

Review	Due	Milestones
PDOA-R1	2027-01-01	M1 — LEI submitted/issued all four
PDOA-R2	2027-07-01	M2 domains; M3 governance fit-and-proper
PDOA-R3	2028-01-01	M4 priority jurisdiction filings submitted
PDOA-R4	2028-06-30	M6 exit — full authorization or wind-down

**Fail-closed:** two consecutive missed reviews; AML/sanctions breach; prohibited external claim; hard sunset without exit plan.

Section 6 — Suspension and revocation

Suspension or revocation under `GUOSMM-A-2026-002` through the **SHOSJJ Licensing Authority** → Licensing Governance Board → Grand Chancellor. OMNL may impose prudential holds independently; OMNL holds do not substitute for Licensing Authority revocation.

Section 7 — Counsel

Supplemental program counsel attestation: `ho-batch-provisional-digital-operations-counsel-signoff` (narrow PDOA scope; does not amend G9 charter attestation).

Section 8 — Amendment

Superseded only by successor Series E notice or Tier 1 act extending or terminating PDOA before sunset.

---

*Sovereign authority: Sovereign Military Hospitaller Order of St John of Jerusalem of Rhodes and of Malta (SMOM / SHOSJJ) · License issuer: SHOSJJ Licensing Authority · Prudential supervisor: OMNL (not licensor)*