PMM programme report

19 pages, generated 2026-08-19 from the drafts and the gates. Every figure below is derived; nothing here is typed by hand.

Business route 12 pages

Individual route 3 pages

Partner route 4 pages

Every open note, by page

index.html

• noteifast change
• blockingBlocked . account details and rails unverified
• noteifast change
• noteifast change
• blockingBlocked . FX methodology
• blockingBlocked . plan matrix
• blockingBlocked . trial terms withheld
• noteifast change
• blockingBlocked . annual saving
• blockingBlocked . annual saving
• blockingBlocked . AM eligibility
• blockingBlocked . effective date, price change, refunds
• blockingBlocked . consented testimonial
• blockingBlocked . mobile parity
• blockingBlocked . approved eligibility criteria

companies.html

• noteifast change
• blockingBlocked . export scope
• blockingBlocked . per-vehicle accounts
• blockingBlocked . approved target market
• blockingBlocked . group entity structure
• blockingBlocked . AM eligibility

teams.html

• blockingBlocked . export scope
• blockingBlocked . client-money and escrow scope
• noteifast change
• blockingBlocked . approved target market

solution-multi-currency.html

• blockingheading form derived, needs MLRO
• blockingexample figures, confirm disclosure needed
• blockingheading form derived, needs MLRO
• blockingBlocked . permissions model
• blockingBlocked . intercompany payments
• blockingcard bodies derived, need MLRO

solution-payments-fx.html

• blockingsub-line derived, needs MLRO
• blockingheading form derived, needs MLRO
• blockingabsolute claim removed, no approved wording exists
• blockingcard bodies derived, need MLRO

solution-fraud.html

• blockingH1 replaced. Original claim banned, no approved wording exists. MLRO ruling required before this placeholder ships
• blockingsub-line derived, needs MLRO
• blockingheading form derived, needs MLRO
• blockingBlocked . pause/communication process unconfirmed, no product note, no guaranteed SLA implied
• blockingheading form derived, needs MLRO
• blockingabsolute claim removed, no approved wording exists
• blockingH2 replaced. Original claim banned, no approved wording exists. MLRO ruling required before this placeholder ships

solution-emiaas.html

• blockinglicence model unnamed, unresolved per ruling 81, needs MLRO + Legal
• blockingsub-line derived, needs MLRO
• blockingheading form derived, needs MLRO
• blockingpatented-technology claim removed, no approved wording for this product (ruling 11); licence wording replaced pending MLRO (ruling 81)
• blockingcard bodies derived, need MLRO; licence-model fragment removed pending MLRO (ruling 81)

solution-launch.html

• blockinglicence model unnamed, unresolved per ruling 81, needs MLRO + Legal
• blockingsub-line derived, needs MLRO
• blockingheading form derived, needs MLRO
• blockingendpoint scope and counts unconfirmed, needs Product sign-off (ruling 88); EEA rail claim removed per ruling 82

compliance.html

• blockingBlocked . audit scope and current report unconfirmed
• blockingheading form derived, needs MLRO

privacy-permissions.html

• blockingsub-line derived, needs MLRO
• blockingexport claim unconfirmed
• blockingremoval step unconfirmed
• blockingheading derived, replaces an unapproved absolute claim
• blockingheading derived, needs MLRO

pricing.html

• blockingsub-line derived, needs MLRO
• blockingBlocked . private-client eligibility for plans, allowances and named manager unconfirmed
• blockingBlocked . annual saving
• blockingBlocked . free-trial terms
• blockingBlocked . needs usage data
• blockingBlocked . per-plan feature gating unconfirmed
• blockingabsolute claim replaced, R75
• blockingBlocked . eligibility, timing unconfirmed
• blockingheading form derived, needs MLRO
• blockingBlocked . annual saving
• blockingBlocked . notice period, refund terms unconfirmed

developers.html

• blockingsub-line rebuilt for the e-money glossary (R3) and drops the "under our licence" framing (R81), needs MLRO
• blockingheading form derived from R88, needs MLRO
• noteEEA rail reference removed from the pill diagram, ruling R82: DigiDoe cannot currently open EEA accounts. Removed . R82, no safer alternative fits a pill label
• noteEndpoint counts in the code window verified against guide.digidoe.com on 2026-08-17 (all seven match); the live docs also list Contact and TransactionInformationRequests, which the illustration omits. Flagged . R92, incomplete against the live reference
• blockingscreenshot must be demo data only, names and amounts masked before publish
• noteSandbox card uses R85's supplied wording; webhook card uses R95's, and its delivery/retry behaviour is still awaiting Dmitrii's confirmation per R95's own compliance-handling note. Flagged . R95 sign-off open
• blockingCTA label reworded from R81's safer alternative, needs MLRO

individuals.html

• noteifast change
• blockingBlocked . account details and rails unverified
• noteifast change
• blockingBlocked . FX methodology
• blockingBlocked . plan matrix
• blockingBlocked . AM eligibility
• blockingBlocked . mobile parity
• blockingBlocked . annual saving
• blockingBlocked . annual saving
• blockingBlocked . effective date, price change, refunds

compliance-individuals.html

• blockingdiscretion positioning replaced per ruling 27, needs MLRO
• blockingfirst-layer: confidentiality and discretion positioning, needs compliance view
• blockingBlocked . audit scope and current report unconfirmed
• blockingheading form derived, needs MLRO

privacy-permissions-individuals.html

• blockingfirst-layer: duplicate and unfinished content, needs compliance view
• blockingwho a private client actually invites, vs a finance team's roles, unconfirmed, needs product
• blockingfirst-layer: private-client product, terms and regulatory protections, needs compliance view
• blockingexport claim unconfirmed
• blockingremoval step unconfirmed, whether offboarding differs for individuals, needs product
• blockingrole-granularity claim unconfirmed, no product note; whether permission levels differ by product for individuals, needs product
• blockingheading derived, replaces an unapproved absolute claim
• blockingfirst-layer: confidentiality and discretion positioning, needs compliance view
• blockingfirst-layer: privacy notice and data-processing transparency, needs compliance view
• blockingheading derived, needs MLRO
• blockingfirst-layer: security and protection guarantees, needs compliance view

partners.html

• blockingMLRO · page copy NOT cleared; no clearance recorded for this page (2 of 19 drafts have one)
• blockingproposed, not published
• blockingMLRO · free-claim
• blockingunconfirmed
• blockingheading form derived from approved sentences, needs MLRO
• noterulings 3, 97, 65; plan access operator-confirmed

partner-introducers.html

• blockingMLRO · page copy NOT cleared; no clearance recorded for this page (2 of 19 drafts have one)
• noteoperator-confirmed 2026-08-18
• noterulings 3, 97, 50; plan access operator-confirmed
• blockingheading form derived, needs MLRO
• blockingMLRO · compensation figures + “earn” wording are a financial promotion with NO precedent in the 126 rulings
• blockingrate unconfirmed
• blockingrate unconfirmed
• blockingproposed, not published
• noteCONTENT · lift the current rate table from digidoe.com/partnerships.html verbatim

partner-professional.html

• blockingMLRO · page copy NOT cleared; no clearance recorded for this page (2 of 19 drafts have one)
• noteoperator-confirmed 2026-08-18
• noteoperator-confirmed 2026-08-18
• noterulings 3, 97, 50, 65; plan access operator-confirmed
• blockingMLRO · scope of the “proof of audit” claim needs sign-off
• blockingMLRO · free-claim covers the practice and its clients; ruling 58 requires any tailored or EDD fee exception stated alongside
• noteoperator-confirmed 2026-08-18

partner-emd.html

• blockingBlocked · EMD Agents label approved by CEO 2026-08-17; legal model, terms, onboarding route and risk appetite still unconfirmed per ruling 116
• blockingfirst-layer: target market, needs compliance view
• blockingfirst-layer: white-label and “launch on our licence” positioning, needs compliance view
• blockingMLRO · page copy NOT cleared; no clearance recorded for this page (2 of 19 drafts have one)
• blockingMLRO · whether an EMD Agent’s own customers hold DigiDoe e-money accounts, or the Agent holds them, is unconfirmed (CA-089)
• noterulings 78, 97, 89
• blockingheading form derived, needs MLRO
• noterulings 88, 93; live API access operator-confirmed
• blockingMLRO · agent-status wording, FCA register reference and scope of permitted services still need sign-off