The platforms made the AI decision for the trade in mid-2025. The consumer-law penalty ceiling doubled in March 2026. Europe pulls yacht traders inside its AML perimeter from July 2027, and the privacy exemption most small brokerages sit under is scheduled to close. A one-page written position, which tools the brokerage uses, who checks what before it leaves the office, where client money and client data sit, answers the buyer, the underwriter and the regulator with the same document.
The outputs are governance artefacts, drafted for review and adoption inside your own organisation. Where legal advice is needed, it belongs with qualified counsel. Legal advice on a disputed sale stays with lawyers. AML program certification for EU-obliged entities belongs with specialist AML counsel; Southern Sky AI builds the operating discipline underneath it.