Database
Browse 6,168 skills across 448 packs and 38 categories
GmbH and UG Formation
182LActivate this skill when the user is founding or restructuring a limited-liability company in Germany and needs to choose between a GmbH and a UG (haftungsbeschränkt), prepare the notary appointment, pay in share capital, register with the Handelsregister and the Gewerbeamt, or complete the Finanzamt's tax registration questionnaire. Triggers on "GmbH," "UG haftungsbeschränkt," "Stammkapital," "Musterprotokoll," "Notartermin," "Handelsregister," "Gewerbeanmeldung," "Fragebogen zur steuerlichen Erfassung," "Transparenzregister," "Gesellschafterliste," and "Gesellschaftsvertrag." Covers capital mechanics, the formation sequence, timelines, cost components in principle, and the Geschäftsführer duties that begin on day one.
Impressum and Datenschutzerklärung
173LActivate this skill when the user is publishing a website, app, online shop, newsletter or social-media presence aimed at Germany and needs a compliant Impressum and Datenschutzerklärung, wants to know where they must appear, or has received or wants to avoid an Abmahnung. Triggers on "Impressum," "Impressumspflicht," "Anbieterkennzeichnung," "§ 5 DDG," "Datenschutzerklärung," "Privacy Policy Germany," "Abmahnung," "Unterlassungserklärung," "Impressum Generator," "Datenschutz-Generator," "Verantwortlicher nach § 18 MStV," and "Streitschlichtung." Covers required contents by legal form, placement rules, the structure of a DSGVO-compliant privacy notice, how competitors and associations enforce these duties, and what generators can and cannot do.
SEPA and German Payments
193LActivate this skill when the user is building checkout, billing or payout flows for customers in Germany and needs to implement SEPA credit transfers or direct debits with mandates, a Gläubiger-Identifikationsnummer and pre-notifications, validate IBANs, offer Rechnungskauf, understand what replaced giropay and Sofort, respect the German Lastschrift culture, or satisfy PSD2 strong customer authentication. Triggers on "SEPA," "SEPA-Lastschrift," "SDD Core," "SDD B2B," "Gläubiger-ID," "Mandatsreferenz," "Pre-Notification," "IBAN validation," "pain.008," "camt.053," "EBICS," "Rechnungskauf," "Kauf auf Rechnung," "giropay," "Sofortüberweisung," "Wero," "girocard," "PSD2," "SCA," and "Zahlungsverzug." Written for founders of a GmbH selling in Germany and for engineers integrating banks and payment providers.
Sie, du and German Localization
157LActivate this skill when the user is translating, localizing or writing a product, website, e-mail or UI for German-speaking users and must decide between Sie and du, set the right B2B or B2C tone, cope with compound nouns and text expansion, format dates, numbers and currency, handle ß and umlauts in code, choose a gender-neutral style, or avoid Denglisch and false friends. Triggers on "Sie oder du," "German localization," "de-DE," "de-AT," "de-CH," "Umlaut," "Eszett," "ß," "Gendersternchen," "gendern," "Denglisch," "Textexpansion," "Silbentrennung," "DIN 5008," "Intl.NumberFormat de-DE," and "German UI translation." Written for founders and engineers in Germany shipping software to German customers.
Umsatzsteuer and Invoicing
207LActivate this skill when the user is issuing invoices from a business in Germany, deciding whether to charge Umsatzsteuer, applying the Kleinunternehmerregelung, handling reverse charge for EU B2B customers, filing the Umsatzsteuervoranmeldung through ELSTER, or choosing between Sollversteuerung and Istversteuerung. Triggers on "Umsatzsteuer," "Mehrwertsteuer," "USt-IdNr," "Rechnungspflichtangaben," "Kleinunternehmer," "Reverse Charge," "Steuerschuldnerschaft des Leistungsempfängers," "Umsatzsteuervoranmeldung," "ELSTER," "Zusammenfassende Meldung," "Istversteuerung," and "Vorsteuerabzug." Written for founders and engineers building invoicing logic for a GmbH or a freelancer in Germany.
XRechnung and ZUGFeRD E-Invoicing
237LActivate this skill when the user must issue, receive, validate or generate structured electronic invoices for customers or public bodies in Germany under the B2B e-invoicing obligation phased in from 2025. Triggers on "XRechnung," "ZUGFeRD," "Factur-X," "E-Rechnung," "EN 16931," "UBL," "CII," "PDF/A-3," "Leitweg-ID," "Peppol," "KoSIT Validator," "Mustang," and "E-Rechnungspflicht." Covers what counts as an e-invoice, the XRechnung and ZUGFeRD formats, the Peppol network, what an ERP or invoicing tool must produce, validation tooling and a minimal valid example structure.
The 30% Ruling and Expat Hiring
170LActivate this skill when the user is hiring international talent into the Netherlands and needs the Dutch expat tax facility, the highly skilled migrant permit, or the payroll setup behind both. Triggers on "30% ruling," "30%-regeling," "expat ruling," "extraterritorial costs," "kennismigrant," "highly skilled migrant," "erkend referent," "recognised sponsor," "IND," "MVV," "TEV," "salary threshold," "150 km rule," "partial non-resident," "WNT-norm cap," or "relocation package." Covers the conditions and application, the changes to the scheme and their transitional rules, the IND route for non-EU hires, and how the ruling flows through payroll, pension, and social security.
BTW (VAT) Basics
193LActivate this skill when the user must charge, file, or reclaim Dutch value-added tax for a company in the Netherlands, or decide how to invoice customers across the EU. Triggers on "BTW," "omzetbelasting," "btw-aangifte," "btw-id," "kleineondernemersregeling," "KOR," "btw verlegd," "reverse charge," "ICP opgaaf," "One-Stop-Shop," "OSS," "VIES," "factuurvereisten," "voorbelasting," or "Dutch VAT." Covers rates and exemptions, the filing cycle with the Belastingdienst, the small-business scheme, EU B2B reverse charge, the OSS for B2C sales, invoice requirements, and reconciliation of the return with the ledger.
CAO and Dutch Employment
182LActivate this skill when the user is hiring, managing, or dismissing employees in the Netherlands and needs to understand Dutch labour law and collective agreements. Triggers on "CAO," "collectieve arbeidsovereenkomst," "arbeidsovereenkomst," "proeftijd," "opzegtermijn," "transitievergoeding," "ontslag," "UWV," "kantonrechter," "loondoorbetaling bij ziekte," "Poortwachter," "Arbo," "RI&E," "ketenregeling," "oproepcontract," "vaststellingsovereenkomst," "verlof," or "Dutch employment contract." Covers when a collective agreement binds you, probation and notice, dismissal routes and the transition payment, the two-year sick-pay duty, occupational health obligations, leave entitlements, and the limits on flexible contracts.
DBA and zzp Contracting
156LActivate this skill when the user engages Dutch freelancers or contractors and must judge whether the relationship is genuine self-employment or disguised employment under Dutch law. Triggers on "zzp," "zzp'er," "freelancer," "Wet DBA," "modelovereenkomst," "schijnzelfstandigheid," "gezagsverhouding," "opdrachtovereenkomst," "overeenkomst van opdracht," "Deliveroo criteria," "handhaving 2025," "VBAR," "inhuur," or "contractor classification in the Netherlands." Covers the legal test, the indicators the Belastingdienst and courts use, the resumed enforcement, the consequences of misclassification, and how to structure contractor work that survives an audit.
DigiD and eHerkenning
179LActivate this skill when the user is building a service in the Netherlands that must authenticate Dutch citizens or businesses through the government identity schemes, or must log in to Dutch government portals as a company. Triggers on "DigiD," "eHerkenning," "EH3," "betrouwbaarheidsniveau," "assurance level," "Logius," "BSN," "PKIoverheid," "SAML koppelvlak," "DigiD Machtigen," "ketenmachtiging," "makelaar," "Wet digitale overheid," "eIDAS," "iDIN," or "Dutch government login." Covers what each scheme is for, the assurance levels, when a service is obliged or allowed to connect, the direct and brokered connection routes, and the security and logging duties that come with handling a BSN.
Dutch Grants and Innovation Schemes
177LActivate this skill when the user runs R&D or innovation in a company in the Netherlands and wants public funding or tax relief for it. Triggers on "WBSO," "S&O-verklaring," "Innovatiebox," "MIT," "RVO," "innovatiesubsidie," "Innovatiekrediet," "Vroegefasefinanciering," "EIA," "MIA," "Vamil," "Horizon Europe," "Eurostars," "ROM," "Invest-NL," "de-minimis," "Dutch R&D tax credit," or "Dutch grants." Covers the payroll-tax credit for R&D, the reduced corporate tax rate on innovation profits, the SME innovation subsidy, the other RVO programmes, the eligibility principles that apply across all of them, and the yearly application rhythm.
Dutch Localization
187LActivate this skill when the user is translating, writing, or designing a product for the Netherlands and needs Dutch-language copy and formatting that native users accept as their own. Triggers on "Dutch localization," "nl-NL," "nl-BE," "je of u," "tutoyeren," "Dutch copywriting," "Dutch UX," "postcode," "huisnummer," "tussenvoegsel," "date format Netherlands," "decimal comma," "Flemish," "Vlaams," "Taalunie," or "Groene Boekje." Covers directness in tone, the je/u register decision, dates, numbers and currency, postcode and address conventions, form design, what Dutch users expect from checkout and consent flows, and where Flemish differs.
iDEAL Payments Integration
203LActivate this skill when the user is building or debugging online payments for customers in the Netherlands and needs the Dutch bank-transfer scheme wired into a checkout. Triggers on "iDEAL," "iDEAL 2.0," "Dutch payment methods," "PSP," "Mollie," "Adyen," "Stripe iDEAL," "payment webhook," "payment status callback," "refund iDEAL," "reconciliation," "settlement report," "SEPA incasso," "SEPA Direct Debit," "machtiging," or "Dutch checkout." Covers the iDEAL flow and what iDEAL 2.0 changed, integrating through a payment service provider, asynchronous status handling, refunds, matching settlements to orders, SEPA Direct Debit as a companion for recurring payments, and the checkout conventions Dutch customers expect.
KvK Registration and the BV
175LActivate this skill when the user is starting a company in the Netherlands and must choose between an eenmanszaak and a BV, register with the Dutch Chamber of Commerce, or design a holding structure. Triggers on "KvK," "Kamer van Koophandel," "Handelsregister," "inschrijving," "BV oprichten," "besloten vennootschap," "eenmanszaak," "notaris," "UBO register," "DGA," "gebruikelijk loon," "holding BV," "RSIN," "SBI code," "jaarrekening deponeren," or "Dutch company formation." Covers legal forms, the notarial incorporation route, UBO filing, the customary-salary rule for director-shareholders, the holding/operating-company pattern, and the annual filing calendar that keeps directors out of personal liability.
CRO Company Setup
187LActivate this skill when the user is incorporating or maintaining a company in Ireland and needs the Companies Registration Office (CRO) mechanics right: choosing between an LTD and a DAC, filing Form A1 through CORE, drafting a constitution, satisfying the EEA-resident director rule or posting the Section 137 bond, appointing a company secretary, tracking the annual return date, and filing beneficial ownership with the RBO. Triggers on "CRO," "CORE," "Form A1," "Form B1," "annual return date," "ARD," "Section 137 bond," "EEA-resident director," "company secretary," "RBO," "beneficial ownership," "Irish Ltd," "DAC," "Companies Act 2014," "incorporate in Ireland," or "Irish subsidiary."
EU HQ Structuring Basics
183LActivate this skill when the user is using or planning an Irish company as the EU headquarters of a non-EU group and needs the principles right: tax residence and substance, trading versus non-trading income, transfer pricing under Ireland's Part 35A rules, intercompany service and IP agreements, VAT grouping, where intellectual property should sit, permanent-establishment risk from staff in other EU states, and what Revenue, the CRO and the DPC each expect of a real Irish head office. Triggers on "EU HQ," "Irish holding company," "substance," "transfer pricing," "arm's length," "cost plus," "VAT group," "IP migration," "permanent establishment," "Pillar Two," "Section 291A," "tax residence," "Irish entity," "Ireland headquarters."
GDPR and the DPC
154LActivate this skill when the user runs or advises a company whose EU main establishment is in Ireland and needs to understand the Data Protection Commission (DPC) as lead supervisory authority: the one-stop-shop, what the DPC expects of controllers, DPIAs, international transfers after Schrems II, and the 72-hour breach notification. Triggers on "DPC," "Data Protection Commission," "lead supervisory authority," "one-stop-shop," "main establishment," "DPIA," "Article 35," "Schrems II," "SCCs," "transfer impact assessment," "Data Privacy Framework," "breach notification," "72 hours," "Data Protection Act 2018," "Irish GDPR," or "Article 27 representative."
IDA and Enterprise Ireland Supports
160LActivate this skill when the user is working out which Irish State agency can support their company — IDA Ireland for foreign direct investment or Enterprise Ireland for Irish-owned exporters — and how to approach the High Potential Start-Up programme, feasibility and innovation grants, and equity investment. Triggers on "IDA Ireland," "Enterprise Ireland," "HPSU," "High Potential Start-Up," "Pre-Seed Start Fund," "Innovation Voucher," "feasibility grant," "Local Enterprise Office," "LEO," "New Frontiers," "Development Adviser," "State aid de minimis," "Irish grants," or "Irish start-up funding."
Irish English Copy Conventions
169LActivate this skill when the user is writing, localising or reviewing copy, UI strings, forms or documents for an Irish audience: spelling and register, Irish-language obligations for public bodies, date and currency formats, Eircode handling, addressing, and titles. Triggers on "Irish English," "en-IE," "Hiberno-English," "Eircode," "Irish address format," "Official Languages Act," "as Gaeilge," "fada," "Irish localisation," "euro formatting Ireland," "Co. Dublin," "Irish copywriting," or "Ireland tone of voice."
Irish Fintech and the Central Bank
193LActivate this skill when the user is planning, applying for or operating under a Central Bank of Ireland authorisation for a fintech based in Ireland: e-money institution (EMI), payment institution (PI), MiFID investment firm or the related registrations; the Fitness and Probity regime and PCF approvals; the Innovation Hub and sandbox; safeguarding; outsourcing; and realistic timelines. Also covers the Revenue, CRO and DPC obligations that run alongside an Irish regulated firm, and where Enterprise Ireland fits. Triggers on "Central Bank of Ireland," "CBI authorisation," "EMI licence," "payment institution," "MiFID firm," "fitness and probity," "PCF," "Individual Questionnaire," "Innovation Hub," "safeguarding," "Key Facts Document," "Irish fintech," "passporting from Ireland," "IAF," "SEAR."
R&D Tax Credit and the Knowledge Development Box
162LActivate this skill when the user is assessing whether Irish engineering or science work qualifies for the Revenue R&D tax credit, preparing the claim on the CT1, building the contemporaneous documentation that survives a Revenue technical review, or evaluating the Knowledge Development Box (KDB) for income from patents or copyrighted software. Triggers on "R&D tax credit," "section 766," "scientific or technological uncertainty," "qualifying R&D expenditure," "R&D pre-notification," "key employee R&D," "Knowledge Development Box," "KDB," "nexus ratio," "qualifying asset," "Irish R&D claim," or "Revenue R&D audit."
Revenue VAT and PAYE
178LActivate this skill when the user is registering an Irish company for tax with Revenue, filing VAT or payroll returns through ROS, selling to EU consumers under the OSS, running payroll under PAYE Modernisation, or preparing for a Revenue compliance intervention. Triggers on "Revenue," "ROS," "VAT3," "VAT registration Ireland," "intra-EU VAT number," "reverse charge," "OSS," "One Stop Shop," "PAYE Modernisation," "RPN," "payroll submission," "Enhanced Reporting Requirements," "employer registration," "Revenue audit," "qualifying disclosure," "tax clearance," or "Irish VAT rates."
WRC and Irish Employment Law
153LActivate this skill when the user is hiring, managing or letting go of employees in Ireland and needs the statutory framework right: contracts and the day-five statement, probation, minimum notice, unfair dismissal and fair procedures, statutory sick pay, working time, remote-work requests, and how a complaint runs through the Workplace Relations Commission. Triggers on "WRC," "Workplace Relations Commission," "unfair dismissal," "probation Ireland," "minimum notice," "statutory sick pay," "Organisation of Working Time Act," "right to request remote working," "Terms of Employment," "Labour Court," "Irish employment contract," "redundancy Ireland," or "Irish employee handbook."
Farsi Localization
199LActivate this skill when the user is translating or localizing a product, UI, or document into Persian (Farsi) and needs the strings to read like they were written by a native speaker rather than run through a translator. Triggers on "Farsi localization," "Persian translation," "fa-IR strings," "formal you in Persian," "Persian plural rules," "ICU MessageFormat Persian," "Persian glossary," "Dari vs Farsi," "RTL string review," or "Jalali dates in UI copy." Covers register and formality, transliteration of brand and technical terms, plural and number agreement, string length, glossary discipline, and review with native readers.
Iranian User Context for Products
183LActivate this skill when a product, design or engineering team needs a factual picture of the environment Persian (Farsi) speaking users in Iran live in: connectivity, devices, app distribution, the Jalali calendar and holiday rhythm, and how domestic payments and identity work. Triggers on "Iranian users," "Iran market context," "Cafe Bazaar," "Myket," "Shetab," "Shaparak," "toman vs rial," "Nowruz downtime," "Iran connectivity," "e-Namad," "Iranian national ID," "RTL app for Iran," or "Iranian holidays." Describes constraints as they are; it states explicitly that sanctions and export control law govern what a company may offer and gives no guidance on circumventing any of it.
Jalali Calendar Handling
231LActivate this skill when the user needs to store, convert, format, parse or validate dates in the Solar Hijri calendar used in Iran and by Persian (Farsi) speakers, or is debugging a Jalali date bug in a web, mobile or backend system. Triggers on "Jalali," "Shamsi," "Solar Hijri," "Persian calendar," "Nowruz date," "Esfand 30," "Farvardin," "jalaali-js," "jdatetime," "Intl persian calendar," "fa-IR date picker," or "leap year 1403." Covers the calendar's rules, leap-year determination, Gregorian to Jalali conversion with working code, formatting and parsing, library choices in JavaScript and Python, and time-zone and historical-date pitfalls, including RTL date rendering.
Persian Copywriting
181LActivate this skill when the user needs marketing, product or support copy written or edited in Persian (Farsi) that sounds native, on-brand and persuasive rather than translated. Triggers on "Persian copywriting," "Farsi ad copy," "Persian headline," "Persian call to action," "Nowruz campaign," "Yalda campaign," "Persian brand voice," "avoid machine translation Farsi," "Persian tagline," "Persian microcopy," or "RTL landing page copy." Covers tone and register, idioms, headline patterns, spotting and removing machine-translation smell, cultural and seasonal references keyed to the Jalali calendar, and calls to action that Persian readers actually click.
Persian SEO
182LActivate this skill when the user wants organic search visibility for Persian (Farsi) content or a site aimed at Persian-speaking users in Iran, Afghanistan or the diaspora. Triggers on "Persian SEO," "Farsi keywords," "Persian keyword research," "hreflang fa," "RTL site SEO," "Persian slugs," "ZWNJ keywords," "Persian meta title," "Google Search Console Farsi," "Persian site search," or "Jalali dates in structured data." Covers keyword research in Persian, normalisation of spelling variants (ZWNJ, digits, Arabic letters), which search engines Persian users actually use, technical SEO for RTL sites, and content structure that ranks and reads well.
Persian Text Processing
196LActivate this skill when the user is building NLP, search, analytics or data-cleaning pipelines over Persian (Farsi) text and needs normalisation, tokenisation, stemming, embeddings or a search index that behaves. Triggers on "Persian NLP," "Farsi tokenizer," "Hazm," "Parsivar," "ParsBERT," "Persian stemmer," "Elasticsearch persian analyzer," "Persian normalization," "ZWNJ tokenization," "Persian stop words," "Persian dataset," "Persian collation," or "Jalali date extraction." Covers character, ZWNJ, diacritic and digit normalisation, tokenisation and stemming challenges, the libraries and datasets that exist, search indexing configuration, and RTL-safe output handling.
Persian Typography and ZWNJ
199LActivate this skill when the user is rendering, storing, searching or cleaning Persian (Farsi) text and hits problems with joined letters, the zero-width non-joiner, Arabic versus Persian code points, digit sets, fonts or justification in an RTL layout. Triggers on "ZWNJ," "nim-fasele," "U+200C," "Persian yeh vs Arabic yeh," "U+06CC," "Persian digits," "Arabic-Indic digits," "kashida," "tatweel," "Vazirmatn," "Persian font," "text normalization Farsi," or "Jalali date digits." Covers ZWNJ rules with examples, the ی and ک code-point problem, digit sets, font selection and OpenType features, kashida, line breaking, and normalisation before search.
RTL Layout Engineering
186LActivate this skill when the user is building or fixing a right-to-left interface for Persian (Farsi) or another RTL language on the web, Android, iOS or Flutter and needs bidi-correct rendering, mirrored layouts and sane handling of mixed-direction content. Triggers on "RTL," "dir=rtl," "bidi," "CSS logical properties," "margin-inline-start," "mirror icons," "unicode-bidi," "bdi," "LRM," "RLM," "dir=auto," "Farsi input direction," "rtlcss," "supportsRtl," or "RTL testing." Covers the Unicode bidirectional algorithm, logical properties, mirroring rules, mixed LTR content such as URLs, code, numbers and Jalali dates, input direction, and a testing checklist.
Cross-Border Tax on Digital Services
165LActivate this skill when the user sells software, SaaS, content or other digital services across borders and must handle VAT, GST or sales tax on international payments: EU One Stop Shop and similar destination-based regimes, business-versus-consumer treatment and reverse charge, marketplace and platform deemed-supplier rules, customer location evidence, invoicing requirements by market, and choosing a tax engine. Triggers on "VAT on digital services," "OSS," "non-Union OSS," "OIDAR," "GST on imported services," "overseas vendor registration," "marketplace facilitator," "deemed supplier," "reverse charge," "tax engine," "VIES," "economic nexus," or "which countries do I need to register in."
Currency and FX Handling
197LActivate this skill when the user is building multi-currency pricing or handling foreign exchange in international payments: choosing presentment versus settlement currency, understanding FX exposure and basic hedging, rounding minor units correctly for currencies like JPY, KWD and BHD, displaying amounts per locale, and storing money without floating-point loss. Triggers on "multi-currency," "presentment currency," "settlement currency," "FX markup," "exchange rate," "zero-decimal currency," "minor units," "rounding," "money type," "DCC," "hedging," "FX exposure," or "how should I store money in the database."
Fraud and Authentication by Market
156LTriggers when the user is designing authentication and fraud controls for international payments across local payment methods: Strong Customer Authentication and 3-D Secure in the EU and UK, OTP and additional-factor norms in India for cards and UPI, risk rules per rail, chargeback exposure by method including SEPA Direct Debit and iDEAL, and velocity and device signals. Keywords: "SCA," "PSD2," "3DS2," "3-D Secure," "frictionless," "challenge," "TRA exemption," "soft decline," "OTP," "RBI AFA," "UPI PIN," "chargeback," "friendly fraud," "card testing," "velocity rules," "device fingerprint," "liability shift," "VAMP," "APP fraud."
Local Payment Rails Overview
196LActivate this skill when the user is choosing or explaining local payment methods for international payments and needs a map of the rails: cards, bank transfers, wallets, cash vouchers and QR schemes, and how each one settles, refunds and reconciles. Triggers on "local payment methods," "international payments," "PayNow," "iDEAL," "UPI," "SEPA," "Pix," "Bizum," "Alipay," "WeChat Pay," "Konbini," "which payment methods for Singapore/Netherlands/India/Brazil/Japan," "settlement time," "push vs pull payment," "refund on bank transfer," or "payment method coverage." Covers rail families, market-by-market defaults, settlement and refund behaviour, and how to choose a method mix by product and market.
Payment Reconciliation
177LActivate this skill when the user must match PSP payouts, bank statements and scheme reports to orders for international payments: fee lines, refunds, chargebacks, FX differences, timing gaps, building a double-entry ledger, running exception queues and closing the month. Triggers on "reconciliation," "settlement report," "payout reconciliation," "three-way match," "camt.053," "unmatched transactions," "ledger," "exception queue," "month-end close," "chargeback accounting," "SEPA returns," "UPI settlement file," or "why doesn't the payout equal the orders."
PayNow, iDEAL, UPI and SEPA Side by Side
215LTriggers when the user is integrating or comparing PayNow, iDEAL, UPI and SEPA as local payment methods and needs the flows, identifiers, settlement times, refund paths, reconciliation artefacts, fee shapes and failure modes laid out side by side, plus what a checkout needs for each. Trigger keywords: "PayNow QR," "SGQR," "FAST transfer," "iDEAL redirect," "iDEAL transaction ID," "UPI intent," "VPA," "RRN," "UPI AutoPay," "SEPA Credit Transfer," "SCT Inst," "SEPA Direct Debit," "mandate," "R-transaction," "camt.053," "what does my checkout need for UPI/iDEAL," or "international payments for Singapore, the Netherlands, India and the euro area."
Payouts and Mass Payments
185LActivate this skill when the user is paying sellers, creators, drivers or suppliers in other countries and needs to design international payments out: KYC/KYB onboarding, choosing payout rails such as SEPA, UPI, PayNow, Pix, ACH and SWIFT, timing and cut-offs, paying in local currency versus a hub currency, fee handling, tax forms and platform reporting, and failure handling for returned or misdirected payouts. Keywords: "payouts," "mass payments," "seller payouts," "creator payments," "disbursements," "KYB," "beneficiary verification," "SWIFT OUR/SHA," "correspondent fees," "W-8BEN," "DAC7," "1099-K," "return codes," "payout failure," "negative balance."
PSP Selection and Integration
179LTriggers when the user is selecting, integrating or migrating a payment service provider for international payments and local payment methods such as iDEAL, PayNow or UPI: coverage and licensing by market, card and network tokenization, webhook design with idempotency, retries, sandbox limitations, PSP-to-PSP migration of tokens and mandates, and the contract terms that matter. Keywords: "PSP," "payment gateway," "acquirer," "orchestration," "tokenization," "network tokens," "webhook idempotency," "idempotency key," "sandbox," "PSP migration," "interchange++," "rolling reserve," "settlement delay," "payment aggregator," "which PSP for market X."
Cross-Border Transfer Mechanisms
169LActivate this skill when the user needs to move personal data lawfully between countries and must choose and document the mechanism: Standard Contractual Clauses, Binding Corporate Rules, certifications, adequacy decisions, transfer impact assessments or China's standard contract, or when a data residency programme must decide which flows can leave a region under GDPR, PDPA, PIPL or DPDP and which data localization rule stops them. Triggers when the user mentions "cross-border transfer," "international data transfer," "SCCs," "Standard Contractual Clauses," "BCRs," "Binding Corporate Rules," "adequacy decision," "Data Privacy Framework," "transfer impact assessment," "TIA," "supplementary measures," "IDTA," "UK Addendum," "China standard contract," "CAC security assessment," "APEC CBPR," "ASEAN MCCs," or "transfer decision tree." Covers each mechanism, how to run a TIA, the China standard contract and filing, the Singapore and India routes, and a decision tree for picking the mechanism per flow.
Data Residency Architecture
190LActivate this skill when the user is designing or auditing the technical architecture that keeps a tenant's data inside a country or region, whether the driver is a data localization law such as PIPL or the RBI's payment rules, a data residency commitment in an enterprise contract, or a transfer restriction under GDPR, PDPA or DPDP. Triggers when the user mentions "data residency," "region pinning," "tenant sharding," "cell-based architecture," "per-region keys," "KMS," "BYOK," "HYOK," "cross-region replication," "backup residency," "log leakage," "telemetry leakage," "CDN and edge," "edge caching of personal data," "support access," "customer lockbox," "data sovereignty," "CLOUD Act," "org policy," "SCP," or "proving residency to auditors." Covers region pinning, tenant-to-region mapping, per-region key management, backups and disaster recovery, the leakage paths in logs, telemetry, CDNs and support tooling, and the evidence pack that satisfies auditors.
DPDP (India)
170LActivate this skill when the user is preparing a product or organisation for India's Digital Personal Data Protection Act 2023 and its Rules, is integrating with a consent manager, or is deciding how India fits into a data residency or data localization design next to GDPR, PDPA and PIPL obligations. Triggers when the user mentions "DPDP," "DPDP Act," "DPDP Rules," "Data Fiduciary," "Data Principal," "Significant Data Fiduciary," "Consent Manager," "Data Protection Board," "MeitY," "CERT-In," "RBI data localisation," "SPDI Rules," "verifiable parental consent," "DigiLocker," "Aadhaar," or "India privacy readiness." Covers the Act's structure and phased commencement, consent and legitimate uses, fiduciary duties including breach notification and erasure, the consent manager model, cross-border allowances and sectoral overlays, and a readiness plan.
GDPR (EU) with National Differences
168LActivate this skill when the user is designing, launching or auditing a product for the European Union and needs the General Data Protection Regulation applied correctly, including the places where Germany, the Netherlands and Ireland diverge in practice, or is comparing GDPR with PDPA, PIPL or DPDP inside a data residency programme and needs to know that the GDPR restricts transfers rather than imposing data localization. Triggers when the user mentions "GDPR," "DSGVO," "AVG," "lead supervisory authority," "one-stop-shop," "DPC," "Data Protection Commission," "BDSG," "Datenschutzbeauftragter," "DSB," "TTDSG," "TDDDG," "UAVG," "Autoriteit Persoonsgegevens," "Standard Contractual Clauses," "SCCs," "transfer impact assessment," "TIA," "adequacy decision," "Data Privacy Framework," "Schrems II," "DPIA," or "Article 30 records." Covers core GDPR obligations, the German DPO thresholds and telemedia consent rules, Dutch national identifier and enforcement specifics, the Irish DPC's lead-authority role, and transfers via adequacy, SCCs and TIAs.
PDPA (Singapore)
169LActivate this skill when the user is building, operating or auditing a product that handles personal data of individuals in Singapore and needs to meet the Personal Data Protection Act, or is weighing Singapore's rules against GDPR, PIPL or DPDP in a data residency or data localization decision. Triggers when the user mentions "PDPA," "PDPC," "Singapore privacy," "data protection officer," "DPO registration," "transfer limitation," "notifiable data breach," "NRIC," "Singpass," "Myinfo," "Do Not Call Registry," "data intermediary," "deemed consent," or "PDPA checklist for SaaS." Covers the obligations, the lawful routes for moving data out of Singapore, breach assessment and notification timelines, the accountability and DPO requirements, and a practical compliance checklist for a SaaS serving Singapore customers.
PIPL (China)
183LActivate this skill when the user is launching, re-architecting or auditing a product that processes personal information of people in mainland China under the Personal Information Protection Law, or is deciding how China's data localization rules fit into a global data residency design alongside GDPR, PDPA or DPDP programmes. Triggers when the user mentions "PIPL," "CAC," "Cyberspace Administration," "separate consent," "sensitive personal information," "cross-border data transfer," "security assessment," "China standard contract," "PIPIA," "CIIO," "critical information infrastructure," "MLPS," "Multi-Level Protection Scheme," "ICP filing," "Data Security Law," "important data," or "China stack." Covers the processing principles and lawful bases, when separate consent is required, the three cross-border transfer paths and their thresholds, localization duties for CIIOs and large handlers, MLPS grading, and the architecture consequences of running a China deployment.
Privacy by Design for Multi-Region Products
187LActivate this skill when the user is building one product for several jurisdictions and needs consent experiences, retention schedules, data subject request handling, breach playbooks and records of processing that satisfy GDPR, PDPA, PIPL, DPDP and the US state laws at once, or is turning a data residency or data localization architecture into day-to-day operating procedures. Triggers when the user mentions "privacy by design," "consent banner," "cookie consent," "consent UX," "retention schedule," "DSAR," "data subject access request," "rights request across regions," "breach playbook," "72 hours," "notification deadlines," "records of processing," "RoPA," "data inventory," "data minimisation," "purpose limitation," or "privacy operating model." Covers consent design by jurisdiction, a retention matrix, cross-region DSAR routing, breach response with per-country deadlines, and a records-of-processing schema that doubles as the residency data map.
US State Privacy Laws
167LActivate this skill when the user must comply with the California Consumer Privacy Act as amended by the CPRA and the growing set of US state comprehensive privacy laws, needs to layer sector rules such as HIPAA, GLBA and COPPA on top, or is placing the US inside a data residency programme that also covers GDPR, PDPA, PIPL or DPDP and wants a design that works across many states. Triggers when the user mentions "CCPA," "CPRA," "CPPA," "state privacy laws," "Global Privacy Control," "GPC," "Do Not Sell or Share," "opt-out preference signal," "universal opt-out mechanism," "sensitive personal information," "data protection assessment," "HIPAA," "GLBA," "COPPA," "BIPA," "My Health My Data," "data broker registration," or "data localization in the US." Covers CCPA/CPRA and the state patchwork in principle, sector overlays, opt-out signals, and how to design once for many states.