HO Batch Provisional Digital Operations Authorization (PDOA)

# 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) · Lice

… [truncated — download body.md for full text]