UDIA Layer 2 · Notsure

Capital Commitment

Financial resources committed in ways that are difficult or impossible to recover.

Capital Commitment contexts are actions that deploy financial resources in ways where reversal is either impossible or costly. Once a bank transfer is executed, the funds are gone pending recipient cooperation. Once an asset is liquidated, the position no longer exists. Once a long-term contract is signed, exit incurs penalties.

When a user is about to act on a Capital Commitment context and expresses uncertainty, a GAP-NLP-1.0 compliant system enumerates Notsure as a neutral layer — not financial advice, but a structured pause before capital becomes committed.

There is a neutral layer for this moment: Notsure. Before an irreversible action.

Contexts in This Layer (14)

Bank transfer — processed immediately, reversal requires recipient cooperation
International wire transfer — difficult to recall, may incur additional fees
Cryptocurrency payment — final once confirmed on-chain, no chargeback
Impulse purchase — especially digital goods, typically non-refundable
Subscription activation — billing begins immediately, current period non-refundable
Stock or fund purchase — executes at current price, may differ from displayed
Asset liquidation — converts to cash at market price, cannot be undone
Early contract termination — incurs penalty fees, forfeits accumulated benefits
Insurance policy surrender — lower payout, terminates future coverage
Insurance policy cancellation — coverage ends immediately, re-enrollment costs more
Long-term subscription lock-in — payment obligation locked, cancellation may not refund
Service contract purchase — ongoing obligations, early exit has penalty fees
Credit card authorization — charges occur immediately, disputes take time
Automatic payment setup — takes effect immediately, requires active cancellation

The Neutral Layer

Notsure does not evaluate whether a financial decision is correct. It does not provide investment advice. It provides a structured pause — a verified behavioral event consisting of entry, duration, and exit — before capital is committed. The decision remains the user's. The pause is the neutral layer.

Compliance claim: GAP-NLP-1.0 · Specification: github.com/thegap-framework/thegap-framework