{ "enrichments": [ { "field_name": "friction_level", "value": "High", "confidence": 0.78, "method": "assessment", "reasoning": "PSD2/PSR scope, safeguarding requirements, and local licensing across member states create complex compliance pathways." }, { "field_name": "gating_items", "value": ["E-money license or agent arrangement", "Safeguarding accounts and audits", "AML/KYC program alignment", "Local acquiring partnerships"], "confidence": 0.76, "method": "reasoning", "reasoning": "Enumerates the prerequisites most likely to dictate launch timing and cost." } ] }