BaaS Atlas

Machine-readable map of Banking-as-a-Service clerks: sponsor bank vs middleware vs program manager, FBO reconciliation, the Synapse docket, OCC/FDIC/Fed/CFPB orders, and Florida ch. 560 against a national BaaS pitch. Instant JSON. Agents pay x402. Live at /baas. SSDF is not a bank, not middleware, and not an MSB.

• License or file delivered the moment settlement completes.
• Irreversible once paid. No card chargebacks. Refunds go through the Coinbase Business refund endpoint.

Not a Florida deed, not title insurance, not a county recording, not a securities offering, not a tax return. A licensed digital packet. Electronically delivered — not Florida sales-taxable (Rule 12A-1.032, F.A.C.). Delegated use books a 12% SSDF royalty on first pulse.