[ Answers ]

Answers for crypto, fintech and AI teams

Straight answers to the questions crypto, fintech and AI teams ask, plus how AI search works. Each one leads with the answer and names its sources.

Updated

CryptoFintechAIAI search

How these answers work

54
answers in 4 topics: crypto, fintech, AI and AI search.
1
question per page, with the answer first.
<100
words in every answer.
2+
named sources per answer, each with the date it was published or checked.

Written and checked by Intrica Research. General information, not legal or financial advice. How we measure AI answers

12 answers

Crypto

Rules, tokens and the business of running a crypto company.

  • What is the CLARITY Act?

    The CLARITY Act is a US crypto market structure bill that would split oversight between the CFTC and SEC. It passed the House but stalled in the Senate.

  • What is the GENIUS Act?

    The GENIUS Act is the US payment stablecoin law, signed July 18, 2025. It requires full reserves and monthly disclosure, and takes effect Jan. 18, 2027.

  • How do you create your own cryptocurrency?

    Issue a token on an existing blockchain, such as an ERC-20 contract on Ethereum, or build a new blockchain with its own coin. The token route is simpler.

  • How do you make a meme coin?

    Create a token on a launchpad such as pump.fun, or deploy your own contract and add liquidity. Solidus Labs found 98.6% of pump.fun tokens collapse.

  • What is asset tokenization?

    Asset tokenization records a claim on a real or financial asset, such as a bond or fund share, as a blockchain token. Tokenized securities are securities.

  • Which banks work with crypto companies?

    Cross River Bank, Lead Bank and Customers Bank publicly serve crypto clients, and the OCC has conditionally approved five crypto trust bank charters.

  • How do you choose a crypto marketing agency?

    Pick a crypto marketing agency that knows the promotion rules in each market you sell to and reports results you can check in your own analytics.

  • What is an IDO?

    An IDO, or initial DEX offering, is a token sale run through a smart contract on a decentralized exchange, where the new token can trade right after.

  • What is KYC in crypto?

    KYC in crypto is how exchanges and wallet providers verify who a customer is and judge their risk, as part of a legally required AML program.

  • What is tokenomics?

    Tokenomics is the design of a crypto token's supply, issuance, allocation and unlock schedule, which decide how many tokens exist and who can sell them.

  • What is a VASP?

    A VASP, or virtual asset service provider, is a business that exchanges, transfers, holds or helps sell crypto for others under money laundering rules.

  • How do you start a crypto exchange?

    To start a crypto exchange, choose your markets, get each licence, build trading and custody, and run KYC and anti-money laundering checks from day one.

12 answers

Fintech

Payments, compliance and the infrastructure fintech products run on.

  • What is embedded finance?

    Embedded finance puts bank accounts, cards, payments or loans inside a non-bank's app, with a licensed bank holding the funds and the regulatory duties.

  • What is embedded lending?

    Embedded lending is credit offered inside a non-lender's platform, funded and underwritten by a bank or finance partner and often repaid from sales.

  • SOC 2 Type 1 vs Type 2

    A SOC 2 Type 1 report checks control design on one date. A Type 2 report also tests whether those controls worked over a period, usually months.

  • What is an FBO account?

    An FBO account is a pooled bank account a company opens for the benefit of its customers, who own the funds while the company tracks each balance.

  • What is a payfac?

    A payfac is a company registered with the card networks through a sponsor bank that onboards sub-merchants under its own master merchant account.

  • What is a merchant of record?

    A merchant of record is the legal seller in a transaction. It collects and remits sales tax and VAT, handles chargebacks and carries the compliance risk.

  • What is UDAAP?

    UDAAP means unfair, deceptive, or abusive acts or practices. Federal law bans them for consumer finance firms, and that covers ads and influencer posts.

  • How do Reg E disputes work?

    A consumer reports a transfer error within 60 days of the statement. The bank has 10 business days to decide, or 45 days if it gives provisional credit.

  • What is earned wage access?

    Earned wage access lets workers draw pay they have already earned before payday. The CFPB says payroll-repaid EWA is not credit, and states add rules.

  • What is the CFPB 1033 rule?

    The CFPB 1033 rule requires banks and other providers to share consumer data with authorized apps. A court paused enforcement while the CFPB rewrites it.

  • How much does a SOC 2 audit cost?

    Published SOC 2 auditor fees run about $5,000 to $25,000 for Type 1 and $7,000 to $50,000 for Type 2 (Scrut, Aug. 2026). First-year totals run higher.

  • Who are the main BaaS providers?

    BaaS providers named in 2026 sources include Unit, Treasury Prime, Synctera, Marqeta, Galileo, Stripe Treasury, Column and Pathward in the US.

12 answers

AI

Costs, rules and compliance for teams building AI products.

  • How much does the Claude API cost?

    Claude API prices per million tokens by model, as listed on Anthropic's pricing page on Oct. 28, 2026, plus batch, caching and tool fees.

  • What is ISO 42001?

    ISO/IEC 42001 is the international standard for an AI management system. It was published Dec. 18, 2023, and companies can be certified against it.

  • What is the NIST AI RMF?

    The NIST AI RMF is a voluntary US framework for managing AI risk, released Jan. 26, 2023, built on four functions: Govern, Map, Measure and Manage.

  • What is an AI governance framework?

    An AI governance framework is the policies, roles, risk checks and records a company uses to run AI. NIST AI RMF and ISO/IEC 42001 are the main models.

  • What is the Colorado AI Act?

    Colorado replaced its 2024 AI Act with SB 26-189, signed May 14, 2026. Its notice and disclosure duties for automated decisions start Jan. 1, 2027.

  • What is California SB 53?

    California SB 53 sets safety and transparency rules for developers of the largest AI models. It was signed Sept. 29, 2025, and took effect Jan. 1, 2026.

  • Is ChatGPT HIPAA compliant?

    ChatGPT can hold patient data only under an OpenAI BAA on eligible plans. Consumer plans and Business are not eligible, per OpenAI's July 2026 guide.

  • What is an AI wrapper?

    An AI wrapper is a product built on another company's AI model through its API, adding its own interface, prompts and workflow on top of that model.

  • Is Claude HIPAA compliant?

    Claude can process patient data under Anthropic's BAA on the Claude API or a HIPAA-ready Enterprise plan. Team, Free, Pro and Max plans can't enable HIPAA.

  • Is ChatGPT confidential?

    Personal ChatGPT chats can train OpenAI's models unless you opt out, Business data is excluded by default, and a 2026 ruling found AI chats unprivileged.

  • Do AI products need a disclaimer?

    Some do. The EU AI Act requires telling people they're talking to AI from Aug. 2, 2026, and Utah and California set their own chatbot disclosure rules.

  • Can you copyright AI-generated content?

    In the US you can copyright the human-authored parts of AI-assisted work. The Copyright Office says prompts alone don't make you the author of the output.

Want to be the answer?

Send your website. Get a one-page report on your next growth in Google and AI. No call required.