Readiness and referral, not regulated execution.

LarkMetric may

• Ask structured, non-sensitive business questions.
• Apply evidence-backed readiness and eligibility rules.
• Return FIX FIRST, UNKNOWN and, only when sufficiently evidenced, route-specific SUBMIT NOW or DO NOT SUBMIT decisions.
• Explain objective readiness gaps.
• Capture explicit consent for a referral.
• Pass minimum necessary merchant/contact context to a downstream provider.
• Record normalized non-sensitive referral, activation and attribution states where available.

LarkMetric does not

• Process payments, acquire merchants or move money.
• Act as merchant of record.
• Collect KYC/KYB files, passports or bank statements.
• Underwrite merchants or guarantee approval.
• Quote or negotiate final provider pricing.
• Provide legal, tax or regulatory clearance.
• Operate chargeback disputes.
• Perform end-user age verification.
• Provide ongoing account management as the normal model.

Downstream provider owns

The provider owns merchant contact after handoff, document collection, KYC/KYB, underwriting, final commercial terms, boarding, integration, payment operations and ongoing merchant support according to its own rules.

Owner-by-exception principle

LarkMetric should remain self-service and asynchronous. If normal cases require bespoke document review, calls, rate negotiation, KYC help, legal interpretation or repeated provider chasing, the operating model should be narrowed or stopped rather than converted into a manual brokerage desk.