@techreport{shubralov-demi-sro-payment-security-02,
    number =    {draft-shubralov-demi-sro-payment-security-02},
    type =      {Internet-Draft},
    institution =   {Internet Engineering Task Force},
    publisher = {Internet Engineering Task Force},
    note =      {Work in Progress},
    url =       {https://datatracker.ietf.org/doc/draft-shubralov-demi-sro-payment-security/02/},
    author =    {Evgeny A. Shubralov},
    title =     {{Blockchain-Backed Risk Pooling and Self-Regulation Protocol for Alternative Payment Providers (DeMI)}},
    pagetotal = 17,
    year =      2026,
    month =     aug,
    day =       5,
    abstract =  {This document specifies a Best Current Practice (BCP) for risk management, automated self-regulation, and transaction settlement integrity among alternative payment service providers (APPs) operating in emerging markets without formal ISO/PCI-DSS coverage. It defines an architectural specification for a decentralized self- regulated organization (SRO) compensation pool deployed on the Ethereum Layer 1 blockchain. The protocol mitigates time-delayed fraud vectors, liquidity mismatches, and cross-border settlement frictions through cryptographic batching, zero-trust geo-distributed validator networks over private MPLS/satellite topologies, and automated algorithmic underwriting.},
}