Pacio Documents
Whitepapers, technical specifications, and strategic documents for the SOS identity layer.
Pacio Information
Overview of Pacio — the company, mission, and technology platform.
White Paper
Technical white paper covering the SOS identity layer, TEA protocol, and cryptographic architecture.
SOS Safe Online System
Full specification for the SOS Safe Online System identity infrastructure.
Pacio Business Plan
Strategic business plan including market analysis, revenue model, and roadmap.
The Settlement Compression Is Real. The Compliance Gap Is the Opportunity.
Global markets are compressing settlement cycles — T+2 → T+1 (US done, UK/EU/Switzerland October 2027) — with T+0/atomic settlement as the stated end goal. Every major jurisdiction is building DLT settlement infrastructure, but no one is building the compliance layer that makes atomic settlement safe and legal. SOS + TEA is that layer. The references below map the regulatory landscape to our value proposition.
Norton Rose Fulbright — Settlement Report
“Regulation Around the World — Issue 18: Settlement: T+1 and beyond” (June 2026). Jurisdiction-by-jurisdiction analysis of T+1 compression, DLT sandboxes, and the cross-border finality gap. Key finding: “No harmonized international treaty or standard on cross-border recognition of blockchain settlement finality currently exists.” NRF does not endorse SOS or PACIO; cited for authoritative regulatory analysis.
FATF Recommendation Mapping
SOS + TEA is designed to satisfy FATF Recommendations by protocol design, not bolt-on compliance: Rec 10 (CDD via biometric-anchored SID), Rec 11 (Record Keeping via immutable Base L2 hash), Rec 16 (Travel Rule via fatfSidHash in every TEA record — no PII exchange), Rec 20 (STR via anonymized SID hashes), Rec 25 (2025 Digital ID FIG update).
Jurisdiction-Specific Regulatory Analysis
Detailed NRF-sourced settlement and tokenization analysis for each target market, including active DLT sandboxes, custody frameworks, and finality gap citations.
Key Regulatory Dates
All dates verifiable against NRF, June 2026