Eight questions, asked of all eight requirements under Homepage widgets [phase 2]八个问题，向 Homepage widgets [phase 2] 下的八条需求各问一遍
· Growth & x-sell · 2026-10-19
The rule in one line一句话规则
Every requirement is asked the same eight questions. A yes you wrote down goes to Compliance, with your sentence attached. A yes we only suspect comes back to you. That is the whole difference between the two verdicts.每条需求都被问同样的八个问题。你写下来的「是」会带着原句送合规；我们只是怀疑的「是」退回给你。两个判定的差别全在这里。
Why not refer a suspicion too? Because a referral has to arrive with something a reviewer can read. “We estimate 70%” is not reviewable, and a queue full of evidence-free flags teaches everyone to ignore the evidenced ones.为什么怀疑不能送？因为送过去得带上评审者能读的东西。「我们估 70%」没法评审，而堆满了没证据的标记之后，有证据的那些也会被一起忽略。
Need more Info. No question was answered yes in writing, so nothing is referred. But 3 (Financial crime, Customer impact, Conduct) went unanswered and look likely for this kind of change, so it comes back to you.退回补充。没有任何问题在文字里答了是，所以不送合规。但有 3 个（Financial crime, Customer impact, Conduct）没回答，而且对这类改动来说很可能适用，所以退回给你。
Third partiesUnlikely不太可能
Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK？
Not mentioned, estimated没提到，估20against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 20 / threshold 50 · Internal aggregation of existing lending products; AECB data already in use, repayment initiation likely routes to existing flows, so new third party unlikely.
DataUnlikely不太可能
Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型，或者把已有数据送到了新的地方？
Not mentioned, estimated没提到，估40against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 40 / threshold 50 · Surfacing financial debt data on a new homepage surface where 'could be seen by others' flags exposure risk, though data stays within the product.
Jurisdiction & licenceUnlikely不太可能
Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场，或者超出当前产品牌照范围的业务？
Not mentioned, estimated没提到，估10against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 10 / threshold 50 · Display widget over existing lending products in existing market; no new jurisdiction or licensed activity introduced.
Financial crimeNot answered没回答
Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径，或者改动了 KYC、限额、交易监控？
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估35against a bar of，该条阈值30.
Repayment initiation from widget likely reuses existing payment flows, but a new entry point to money movement could touch limits/monitoring.
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
Customer impactNot answered没回答
Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗？（金融线的阈值）
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估85against a bar of，该条阈值50.
Homepage widget shown to all users with active loan/SNPL/EasyCash/split pay balance on a FINANCIAL line almost certainly exceeds 100 customers/day.
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
ReversibilityNo — ruled out in writing否 — 原文排除
Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉，而且不需要发版？
Answered by the description:描述里的回答：
the widget can be hidden server-side
Operational resilienceUnlikely不太可能
If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话，通话建立、消息、登录或资金流动会不会跟着挂？
Not mentioned, estimated没提到，估45against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 45 / threshold 50 · Homepage widget pulling from multiple source systems; its failure may degrade homepage but can be hidden server-side, so not clearly on funds/login critical path.
ConductNot answered没回答
Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称，或者针对了脆弱人群？
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估70against a bar of，该条阈值30.
Customer-facing collections/AECB warnings shown to overdue borrowers who may be financially vulnerable, and messaging 'must not be threatening' signals conduct risk.
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
Flag to IRA. 1 question (Conduct) was answered yes in your own words, so it goes to Compliance with the quote attached. 2 more came back unanswered.送合规。1 个问题（Conduct）在你自己的描述里答了是，所以带着原句送去合规。另有 2 个问题没回答。
Third partiesNot answered没回答
Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK？
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估55against a bar of，该条阈值50.
live gold/silver rates must come from a price feed; could be an existing Invest data source or a new external rate API
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
DataNo — ruled out in writing否 — 原文排除
Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型，或者把已有数据送到了新的地方？
Answered by the description:描述里的回答：
New events: Invest Widget Viewed, Invest Widget Clicked
Jurisdiction & licenceUnlikely不太可能
Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场，或者超出当前产品牌照范围的业务？
Not mentioned, estimated没提到，估10against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 10 / threshold 50 · surfacing an existing Invest product to existing users; same market and licence unless Invest itself is being newly exposed
Financial crimeNo — ruled out in writing否 — 原文排除
Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径，或者改动了 KYC、限额、交易监控？
Answered by the description:描述里的回答：
a tap opens Invest
Customer impactNot answered没回答
Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗？（金融线的阈值）
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估90against a bar of，该条阈值50.
homepage-wide widget on a large user base almost certainly exceeds 100 customers/day
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
ReversibilityNo — ruled out in writing否 — 原文排除
Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉，而且不需要发版？
Answered by the description:描述里的回答：
the widget can be hidden server-side
Operational resilienceUnlikely不太可能
If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话，通话建立、消息、登录或资金流动会不会跟着挂？
Not mentioned, estimated没提到，估35against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 35 / threshold 50 · widget has a stale-rate fallback, reducing resilience risk; homepage is high-traffic but widget failure shouldn't block login or funds movement
ConductYes — you wrote it down是 — 你写下来了
Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称，或者针对了脆弱人群？
Answered by the description:描述里的回答：
the message must not read as investment advice. Both need compliance sign-off
→ This is what sends it to Compliance.→ 送合规的就是这一条。
Flag to IRA. 1 question (Conduct) was answered yes in your own words, so it goes to Compliance with the quote attached. 2 more came back unanswered.送合规。1 个问题（Conduct）在你自己的描述里答了是，所以带着原句送去合规。另有 2 个问题没回答。
Third partiesUnlikely不太可能
Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK？
Not mentioned, estimated没提到，估25against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 25 / threshold 50 · cross-sell of an existing internal SNPL feature within an existing widget, unlikely to introduce a new third party
DataUnlikely不太可能
Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型，或者把已有数据送到了新的地方？
Not mentioned, estimated没提到，估30against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 30 / threshold 50 · new tracking events and surfacing of lending limit, but data stays within existing product; modest chance of new data exposure
Jurisdiction & licenceUnlikely不太可能
Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场，或者超出当前产品牌照范围的业务？
Not mentioned, estimated没提到，估35against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 35 / threshold 50 · promoting a lending product within the transfer flow could touch activities beyond the widget's licence scope, consumer-lending promotion flagged for compliance
Financial crimeNot answered没回答
Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径，或者改动了 KYC、限额、交易监控？
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估45against a bar of，该条阈值30.
links to sending with SNPL (deferred-payment funding of a transfer); new entry point into a money-movement/lending path even if the underlying product exists
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
Customer impactNot answered没回答
Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗？（金融线的阈值）
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估80against a bar of，该条阈值50.
placed in the main international transfer widget for all eligible and existing SNPL users, very likely exceeds 100 affected customers/day
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
ReversibilityNo — ruled out in writing否 — 原文排除
Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉，而且不需要发版？
Answered by the description:描述里的回答：
Reversibility: the SNPL content can be hidden server-side
Operational resilienceUnlikely不太可能
If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话，通话建立、消息、登录或资金流动会不会跟着挂？
Not mentioned, estimated没提到，估35against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 35 / threshold 50 · additive promotional content in an existing transfer widget, unlikely to be on the critical path for fund movement but shares the widget
ConductYes — you wrote it down是 — 你写下来了
Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称，或者针对了脆弱人群？
Flag to IRA. 2 questions (Financial crime, Conduct) were answered yes in your own words, so it goes to Compliance with the quote attached. 1 more came back unanswered.送合规。2 个问题（Financial crime, Conduct）在你自己的描述里答了是，所以带着原句送去合规。另有 1 个问题没回答。
Third partiesUnlikely不太可能
Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK？
Not mentioned, estimated没提到，估15against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 15 / threshold 50 · homepage widget reading balances from already-live wallet/card/invest services, unlikely to add a new third party
DataUnlikely不太可能
Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型，或者把已有数据送到了新的地方？
Not mentioned, estimated没提到，估35against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 35 / threshold 50 · surfacing existing financial data to a new UI surface rarely crosses a border or reaches a new party, though wider exposure of IBAN raises some question
Jurisdiction & licenceUnlikely不太可能
Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场，或者超出当前产品牌照范围的业务？
Not mentioned, estimated没提到，估10against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 10 / threshold 50 · UI display of existing products to existing users stays within current jurisdiction and licence
Financial crimeYes — you wrote it down是 — 你写下来了
Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径，或者改动了 KYC、限额、交易监控？
Answered by the description:描述里的回答：
add funds, withdraw, send money
→ This is what sends it to Compliance.→ 送合规的就是这一条。
Customer impactNot answered没回答
Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗？（金融线的阈值）
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估90against a bar of，该条阈值50.
homepage-level feature on a financial product almost certainly reaches well over 100 customers/day
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
ReversibilityNo — ruled out in writing否 — 原文排除
Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉，而且不需要发版？
Answered by the description:描述里的回答：
Reversibility: sections can be hidden server-side
Operational resilienceUnlikely不太可能
If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话，通话建立、消息、登录或资金流动会不会跟着挂？
Not mentioned, estimated没提到，估30against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 30 / threshold 50 · homepage widget depending on balance services; its failure degrades display but the underlying add-funds/send actions still route through existing critical paths
ConductYes — you wrote it down是 — 你写下来了
Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称，或者针对了脆弱人群？
Answered by the description:描述里的回答：
with key actions and upsells ... MySalary upsell ... split pay upsell
→ This is what sends it to Compliance.→ 送合规的就是这一条。
Flag to IRA. 1 question (Conduct) was answered yes in your own words, so it goes to Compliance with the quote attached. 2 more came back unanswered.送合规。1 个问题（Conduct）在你自己的描述里答了是，所以带着原句送去合规。另有 2 个问题没回答。
Third partiesUnlikely不太可能
Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK？
Not mentioned, estimated没提到，估20against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 20 / threshold 50 · homepage widget surfacing existing EasyCash limits via SDUI; likely internal rendering with no new vendor, but SDUI framework could involve a third party
DataUnlikely不太可能
Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型，或者把已有数据送到了新的地方？
Not mentioned, estimated没提到，估25against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 25 / threshold 50 · surfaces available borrowing limit on homepage and adds analytics events with utm; data stays internal to the product, but limit/eligibility data reaching the homepage surface is a plausible new flow
Jurisdiction & licenceUnlikely不太可能
Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场，或者超出当前产品牌照范围的业务？
Not mentioned, estimated没提到，估15against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 15 / threshold 50 · promotes existing EasyCash lending product in EN/AR; no new market or activity beyond the existing lending licence, but lending promotion can touch licence conditions
Financial crimeNot answered没回答
Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径，或者改动了 KYC、限额、交易监控？
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估30against a bar of，该条阈值30.
widget links to borrowing and onboarding; it routes to existing money-movement paths rather than creating one, but it drives funding/payout activity and must exclude overdue/ineligible users
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
Customer impactNot answered没回答
Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗？（金融线的阈值）
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估80against a bar of，该条阈值50.
homepage widget shown to all eligible EasyCash users in a FINANCIAL line; a homepage placement almost certainly exceeds 100 affected customers/day
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
ReversibilityNo — ruled out in writing否 — 原文排除
Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉，而且不需要发版？
Answered by the description:描述里的回答：
the widget can be hidden server-side
Operational resilienceUnlikely不太可能
If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话，通话建立、消息、登录或资金流动会不会跟着挂？
Not mentioned, estimated没提到，估20against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 20 / threshold 50 · a promotional homepage widget; its failure would not block login or fund movement, though a server-driven homepage dependency could marginally affect homepage load
ConductYes — you wrote it down是 — 你写下来了
Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称，或者针对了脆弱人群？
Answered by the description:描述里的回答：
the widget must not push borrowing too aggressively. Copy needs compliance sign-off
→ This is what sends it to Compliance.→ 送合规的就是这一条。
Need more Info. No question was answered yes in writing, so nothing is referred. But 2 (Customer impact, Conduct) went unanswered and look likely for this kind of change, so it comes back to you.退回补充。没有任何问题在文字里答了是，所以不送合规。但有 2 个（Customer impact, Conduct）没回答，而且对这类改动来说很可能适用，所以退回给你。
Third partiesUnlikely不太可能
Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK？
Not mentioned, estimated没提到，估15against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 15 / threshold 50 · server-driven homepage widget built in-house; no new vendor or external SDK implied, though SDUI backend could involve existing infra
DataUnlikely不太可能
Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型，或者把已有数据送到了新的地方？
Not mentioned, estimated没提到，估35against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 35 / threshold 50 · cohort-targeted cards require eligibility/cohort data to render per user; may use existing segmentation but could route personal data to a new surface
Jurisdiction & licenceUnlikely不太可能
Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场，或者超出当前产品牌照范围的业务？
Not mentioned, estimated没提到，估20against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 20 / threshold 50 · promotes international transfer and multi-currency services but the widget itself only advertises, not performing the regulated activity; EN/AR suggests existing markets
Financial crimeNo — ruled out in writing否 — 原文排除
Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径，或者改动了 KYC、限额、交易监控？
Answered by the description:描述里的回答：
a tap opens the service
Customer impactNot answered没回答
Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗？（金融线的阈值）
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估85against a bar of，该条阈值50.
homepage widget on a financial product shown broadly to botim users who haven't discovered services; almost certainly exceeds >100 financial customers/day
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
ReversibilityNo — ruled out in writing否 — 原文排除
Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉，而且不需要发版？
Answered by the description:描述里的回答：
cards can be switched off server-side
Operational resilienceUnlikely不太可能
If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话，通话建立、消息、登录或资金流动会不会跟着挂？
Not mentioned, estimated没提到，估20against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 20 / threshold 50 · a promo widget on the homepage; its SDUI service failing degrades a card but is unlikely to block login, message delivery or fund movement on the critical path
ConductNot answered没回答
Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称，或者针对了脆弱人群？
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估55against a bar of，该条阈值30.
cards introduce fintech services and may carry promotional claims ('New on botim'), and the description itself flags 'Fintech cards need compliance sign-off', suggesting customer-facing claims are in scope
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
Need more Info. No question was answered yes in writing, so nothing is referred. But 2 (Customer impact, Conduct) went unanswered and look likely for this kind of change, so it comes back to you.退回补充。没有任何问题在文字里答了是，所以不送合规。但有 2 个（Customer impact, Conduct）没回答，而且对这类改动来说很可能适用，所以退回给你。
Third partiesUnlikely不太可能
Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK？
Not mentioned, estimated没提到，估40against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 40 / threshold 50 · Change moves content management to CEP and uses Lottie rendering; if CEP is already the in-house CRM platform the third-party is not new, but the migration raises some chance of a new SDK/renderer.
DataUnlikely不太可能
Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型，或者把已有数据送到了新的地方？
Not mentioned, estimated没提到，估25against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 25 / threshold 50 · Carousel adds 'For You Card Swiped' event and segment measurement — behavioural telemetry on existing users, likely within existing data handling, so low chance of new sensitive data or new border crossing.
Jurisdiction & licenceUnlikely不太可能
Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场，或者超出当前产品牌照范围的业务？
Not mentioned, estimated没提到，估5against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 5 / threshold 50 · UI upgrade to an existing homepage feature for current users — no new jurisdiction or licensed activity implied.
Financial crimeUnlikely不太可能
Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径，或者改动了 KYC、限额、交易监控？
Not mentioned, estimated没提到，估10against a bar of，阈值30 — under it, so it is let go低于阈值，放行.
clear · estimated 10 / threshold 30 · Marketing carousel driving cross-sell clicks; CTAs route users into other products but the carousel itself moves no funds and changes no screening/limits, so low financial-crime surface.
Customer impactNot answered没回答
Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗？（金融线的阈值）
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估80against a bar of，该条阈值50.
Homepage For You carousel on a financial product with >100/day FINANCIAL threshold; broad homepage placement very likely exceeds the daily affected-customer threshold.
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
ReversibilityNo — ruled out in writing否 — 原文排除
Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉，而且不需要发版？
Answered by the description:描述里的回答：
Reversibility: cards can be switched off in CEP.
Operational resilienceUnlikely不太可能
If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话，通话建立、消息、登录或资金流动会不会跟着挂？
Not mentioned, estimated没提到，估35against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 35 / threshold 50 · Server-driven carousel on the homepage; its failure likely degrades a homepage section rather than login or fund movement, but SDUI dependency on homepage render carries moderate critical-path risk.
ConductNot answered没回答
Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称，或者针对了脆弱人群？
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估60against a bar of，该条阈值30.
Carousel delivers targeted offers with T&Cs embedded in creatives — customer-facing promotional claims that can change per campaign, so conduct risk is material even though CRM reviews assets.
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
Flag to IRA. 1 question (Customer impact) was answered yes in your own words, so it goes to Compliance with the quote attached. 1 more came back unanswered.送合规。1 个问题（Customer impact）在你自己的描述里答了是，所以带着原句送去合规。另有 1 个问题没回答。
Third partiesUnlikely不太可能
Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK？
Not mentioned, estimated没提到，估15against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 15 / threshold 50 · server-driven homepage widget promoting existing in-house services; no new vendor or SDK indicated, likely built on existing SDUI infrastructure
DataUnlikely不太可能
Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型，或者把已有数据送到了新的地方？
Not mentioned, estimated没提到，估35against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 35 / threshold 50 · cohort/eligibility targeting implies consuming existing user segmentation data; new analytics events ('Card Viewed/Clicked') but these are standard product telemetry, not obviously new sensitive data or new border
Jurisdiction & licenceUnlikely不太可能
Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场，或者超出当前产品牌照范围的业务？
Not mentioned, estimated没提到，估10against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 10 / threshold 50 · UI promotion of already-launched services (Goals, multi-currency) within existing market; introduces no new jurisdiction or activity itself
Financial crimeNo — ruled out in writing否 — 原文排除
Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径，或者改动了 KYC、限额、交易监控？
Answered by the description:描述里的回答：
a tap opens the service — widget only promotes/links to services
Customer impactYes — you wrote it down是 — 你写下来了
Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗？（金融线的阈值）
Answered by the description:描述里的回答：
botim users who haven’t discovered newer services — homepage widget on a large consumer base, financial line >100/day
→ This is what sends it to Compliance.→ 送合规的就是这一条。
ReversibilityNo — ruled out in writing否 — 原文排除
Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉，而且不需要发版？
Answered by the description:描述里的回答：
Reversibility: cards can be switched off server-side
Operational resilienceUnlikely不太可能
If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话，通话建立、消息、登录或资金流动会不会跟着挂？
Not mentioned, estimated没提到，估20against a bar of，阈值50 — under it, so it is let go低于阈值，放行.
clear · estimated 20 / threshold 50 · homepage widget via SDUI; failure degrades a promotional component but unlikely to block login or fund movement unless it hard-blocks homepage render
ConductNot answered没回答
Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称，或者针对了脆弱人群？
The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估55against a bar of，该条阈值30.
cards are customer-facing claims promoting fintech services and description flags 'Fintech cards need compliance sign-off'; card copy may constitute a customer-facing claim requiring conduct review
→ Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值，所以退回给你 — 不送合规。推断不是别人能评审的证据。
The one answer missing everywhere所有人都没回答的那一题
“Will this reach more than 100 customers a day?” went unanswered in all eight. Every one is a homepage widget on a financial line, so the screen estimates 80–90 every time — but it cannot declare a number on your behalf. One line closes it, on all eight:「每天影响超过 100 人吗？」八条都没回答。它们全是金融线的首页 widget，所以系统每次都估 80–90 — 但它不能替你声明一个数字。补一行，八条一起解决：