NAC_Blockchain/ops/nac-admin/scripts/seedTradingRules.mjs

/**
 * NAC 贸易规则知识库种子脚本
 * 用法：node scripts/seedTradingRules.mjs
 *
 * 将各司法辖区×资产类别的贸易规则写入 MongoDB
 * 这是智能体给出正确回答的数据基础
 */

import { MongoClient } from "mongodb";

const MONGO_URL = process.env.NAC_MONGO_URL || "mongodb://root:idP0ZaRGyLsTUA3a@127.0.0.1:27017/nac_admin?authSource=admin";
const DB_NAME = "nac_admin";
const COLLECTION = "compliance_rules";

const now = new Date();

// ─── 贸易规则数据集 ────────────────────────────────────────────────

const TRADING_RULES = [
  // ══════════════════════════════════════════════════════════════
  // 全球通用规则
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "GLOBAL_OWNERSHIP_001",
    jurisdiction: "GLOBAL",
    jurisdictionName: "全球通用",
    regulator: "NAC",
    assetClass: "ALL",
    category: "所有权验证",
    ruleType: "ownership_verification",
    ruleName: "RWA 资产所有权链上确权基础规则",
    ruleNameEn: "RWA Asset On-Chain Ownership Verification Foundation Rule",
    content: `所有在 NAC 公链上交易的 RWA 资产，必须在交易前完成所有权的链上确权。确权流程包括：
1. 链下法律文件公证：原始所有权文件须经所在司法辖区认可的公证机构认证
2. 托管机构签约：资产所有人须与 NAC 认可的托管机构签订不可撤销的所有权转让授权书
3. 七层合规验证：通过 NAC 七层合规验证框架（身份/资产/所有权/估值/法律/技术/宪法）
4. GNACS 编码：系统分配全球唯一的 GNACS 资产分类编码（SHA3-384，48字节）
5. Charter 合约部署：生成包含所有权条款和仲裁条款的 Charter 智能合约
6. ACC-20 铸造：通过验证后铸造 ACC-20 标准链上资产代币
7. DNA 上链：资产指纹（DNA）写入 NAC 区块链，完成不可篡改的所有权确认

关键原则：链上 Token 转移 = 法律意义上的所有权转移指令，托管机构负责执行链下所有权变更。`,
    contentEn: "All RWA assets traded on the NAC blockchain must complete on-chain ownership verification before trading. The process includes: notarization, custodian agreement, seven-layer compliance verification, GNACS encoding, Charter contract deployment, ACC-20 minting, and asset DNA on-chain recording.",
    legalBasis: "NAC 宪法第3条（资产确权）、ACC-20协议第2章",
    sourceUrl: "https://docs.newassetchain.io/ownership",
    ownershipRequirements: {
      proofDocuments: ["原始产权证明文件", "公证机构认证书", "托管机构授权书", "KYC认证证书"],
      registrationRequired: true,
      registrationAuthority: "NAC 链上注册系统",
      transferMechanism: "Charter 合约触发 + 托管机构执行链下变更",
      chainRecognition: "NAC 链上记录作为所有权转移的法律证据，需配合托管机构的链下执行",
      disputeResolution: "Charter 合约内嵌仲裁条款，适用资产所在司法辖区仲裁机构",
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["所有权", "确权", "ACC-20", "GNACS", "Charter", "托管", "仲裁"],
    version: "1.0",
    effectiveDate: "2024-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "NAC_CORE",
    relevance: 1.0,
  },

  // ══════════════════════════════════════════════════════════════
  // 美国 (US) 规则
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "US_REALESTATE_OWNERSHIP_001",
    jurisdiction: "US",
    jurisdictionName: "美国",
    regulator: "SEC/FinCEN",
    assetClass: "RealEstate",
    category: "房地产",
    assetSubClass: "CommercialRealEstate,ResidentialRealEstate",
    ruleType: "ownership_verification",
    ruleName: "美国房地产所有权验证规则",
    ruleNameEn: "US Real Estate Ownership Verification Rule",
    content: `美国房地产资产上链所有权验证要求：
1. 产权证明文件：
   - 产权证书（Title Deed）或地契（Deed of Trust）
   - 产权保险（Title Insurance）证明
   - 产权调查报告（Title Search Report）
   - 无留置权证明（Lien-Free Certificate）
2. 登记要求：
   - 必须在所在州县的不动产登记处（County Recorder/Register of Deeds）完成登记
   - 外国人持有美国房地产须遵守 FIRPTA（外国人房地产投资税法）申报要求
3. 所有权转移机制：
   - 链上 Token 转移触发托管机构向县登记处提交产权转让契约（Warranty Deed）
   - 产权转让须经公证人（Notary Public）认证
4. 链上法律认可：
   - 美国多个州已通过区块链记录法（如特拉华州、怀俄明州），链上记录具有法律效力
5. 外资限制：
   - 农业用地：受 AFIDA 法案限制，外国人持有超过10英亩须向 USDA 申报
   - 军事设施附近：受 CFIUS 审查`,
    contentEn: "US real estate ownership verification requires Title Deed/Deed of Trust, Title Insurance, Title Search Report, Lien-Free Certificate. Must register at County Recorder. Foreign investors must comply with FIRPTA. Delaware and Wyoming recognize blockchain records as legally valid.",
    legalBasis: "美国统一商法典(UCC)、FIRPTA、特拉华州区块链法、怀俄明州数字资产法",
    sourceUrl: "https://www.sec.gov/divisions/corpfin/guidance/realestate.htm",
    ownershipRequirements: {
      proofDocuments: ["产权证书(Title Deed)", "产权保险证明", "产权调查报告", "无留置权证明", "FIRPTA申报表(外国人)"],
      registrationRequired: true,
      registrationAuthority: "所在州县不动产登记处(County Recorder)",
      transferMechanism: "Charter合约触发 + 托管机构提交Warranty Deed至县登记处",
      chainRecognition: "特拉华州/怀俄明州等已立法承认区块链记录法律效力",
      disputeResolution: "适用资产所在州法律，可选择JAMS或AAA仲裁",
      foreignOwnershipRestriction: "农业用地超过10英亩须USDA申报；军事设施附近须CFIUS审查",
    },
    tradingRequirements: {
      minimumInvestor: "合格投资者(Accredited Investor)或机构投资者",
      settlementPeriod: "T+3（传统）/ T+0（链上）",
      allowedCurrencies: ["USD", "XTZH"],
      exchangeRequired: false,
      otcAllowed: true,
      lockupPeriod: "视证券化结构而定，通常1年",
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["美国", "房地产", "所有权", "产权证书", "FIRPTA", "县登记处", "合格投资者"],
    version: "1.0",
    effectiveDate: "2024-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "US_SEC_REALESTATE",
    relevance: 0.95,
  },
  {
    ruleId: "US_SECURITIES_TRADING_001",
    jurisdiction: "US",
    jurisdictionName: "美国",
    regulator: "SEC",
    assetClass: "FinancialSecurities",
    category: "金融证券",
    ruleType: "trading_permission",
    ruleName: "美国证券代币化交易规则",
    ruleNameEn: "US Security Token Trading Rule",
    content: `美国证券代币化交易合规要求：
1. 发行豁免条件（满足其一）：
   - Regulation D Rule 506(b)/(c)：仅向合格投资者私募，无需SEC注册
   - Regulation S：仅向美国境外投资者发行
   - Regulation A+：小额公开发行（Tier 1: ≤2000万美元/年，Tier 2: ≤7500万美元/年）
   - Regulation CF：众筹豁免（≤500万美元/年）
2. 交易平台要求：
   - 必须在 SEC 注册的经纪商（Broker-Dealer）或 ATS（另类交易系统）上交易
   - 或在 FINRA 会员平台上交易
3. KYC/AML 要求：
   - 银行保密法（BSA）要求
   - FinCEN 客户尽职调查（CDD）规则
   - OFAC 制裁名单筛查
4. 所有权转移：
   - 证券转让须通过 DTC（存托信托公司）或 SEC 注册的转让代理人
   - 链上转移须同步更新 SEC 股东登记册`,
    contentEn: "US security token trading requires SEC Regulation D/S/A+/CF exemptions. Must trade on SEC-registered Broker-Dealer or ATS. KYC/AML per BSA and FinCEN CDD rules. Ownership transfer via DTC or registered transfer agent.",
    legalBasis: "证券法1933年、证券交易法1934年、Regulation D/S/A+/CF、银行保密法",
    sourceUrl: "https://www.sec.gov/info/smallbus/secg/rwa-guidance.htm",
    ownershipRequirements: {
      proofDocuments: ["证券持有证明", "合格投资者认证", "KYC文件", "OFAC筛查记录"],
      registrationRequired: true,
      registrationAuthority: "SEC证券登记系统 / DTC",
      transferMechanism: "SEC注册转让代理人 + 链上同步更新",
      chainRecognition: "链上记录须与SEC股东登记册保持同步",
      disputeResolution: "FINRA仲裁 / 联邦法院",
    },
    tradingRequirements: {
      minimumInvestor: "合格投资者(净资产>100万美元或年收入>20万美元)",
      settlementPeriod: "T+2（股票）/ T+1（债券）",
      allowedCurrencies: ["USD", "XTZH"],
      exchangeRequired: true,
      otcAllowed: true,
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["美国", "证券", "Regulation D", "合格投资者", "SEC", "ATS", "KYC"],
    version: "1.0",
    effectiveDate: "2024-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "US_SEC_SECURITIES",
    relevance: 0.95,
  },

  // ══════════════════════════════════════════════════════════════
  // 欧盟 (EU) 规则
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "EU_DIGITAL_ASSETS_TRADING_001",
    jurisdiction: "EU",
    jurisdictionName: "欧盟",
    regulator: "ESMA",
    assetClass: "DigitalAssets",
    category: "数字资产",
    ruleType: "trading_permission",
    ruleName: "欧盟 MiCA 数字资产交易规则",
    ruleNameEn: "EU MiCA Digital Asset Trading Rule",
    content: `欧盟《加密资产市场法规》(MiCA) 数字资产交易规则（2024年全面生效）：
1. 资产分类：
   - 资产参考代币（ART）：锚定多种资产，如 XTZH（SDR锚定）
   - 电子货币代币（EMT）：锚定单一法币
   - 其他加密资产：功能型代币等
2. 发行人要求：
   - ART 发行人须在欧盟成员国获得授权
   - 须维持充足储备资产（≥发行量的100%）
   - 须向 ESMA 提交白皮书
3. 交易平台（CASP）要求：
   - 须在成员国监管机构注册
   - 须遵守 MiFID II 组织要求
   - 须实施 DORA（数字运营弹性法案）
4. XTZH 特别说明：
   - XTZH 作为 SDR 锚定稳定币，属于 ART 类别
   - 在欧盟使用须获得 ART 发行授权`,
    contentEn: "EU MiCA requires ART/EMT issuers to get EU authorization, maintain 100% reserves, submit whitepaper to ESMA. CASPs must register with national authorities. XTZH as SDR-pegged stablecoin falls under ART category.",
    legalBasis: "MiCA法规(EU) 2023/1114、MiFID II、GDPR、DORA",
    sourceUrl: "https://www.esma.europa.eu/press-news/esma-news/esma-publishes-final-guidelines-mifid-ii-product-governance",
    ownershipRequirements: {
      proofDocuments: ["CASP注册证明", "白皮书", "储备资产证明", "GDPR合规声明"],
      registrationRequired: true,
      registrationAuthority: "欧盟成员国监管机构（如BaFin/AMF/CONSOB）",
      transferMechanism: "MiCA授权CASP执行 + GDPR合规数据处理",
      chainRecognition: "MiCA框架下链上记录具有法律效力",
      disputeResolution: "适用欧盟成员国法律，ESMA监督",
    },
    tradingRequirements: {
      settlementPeriod: "T+2（MiFID II要求）",
      allowedCurrencies: ["EUR", "XTZH"],
      exchangeRequired: true,
      otcAllowed: false,
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["欧盟", "MiCA", "数字资产", "CASP", "ART", "XTZH", "ESMA", "MiFID II"],
    version: "1.0",
    effectiveDate: "2024-12-30",
    lastUpdated: now,
    crawledAt: now,
    source: "EU_ESMA_MICA",
    relevance: 0.95,
  },
  {
    ruleId: "EU_REALESTATE_OWNERSHIP_001",
    jurisdiction: "EU",
    jurisdictionName: "欧盟",
    regulator: "ESMA/各成员国",
    assetClass: "RealEstate",
    category: "房地产",
    ruleType: "ownership_verification",
    ruleName: "欧盟房地产所有权验证规则",
    ruleNameEn: "EU Real Estate Ownership Verification Rule",
    content: `欧盟房地产资产上链所有权验证要求：
1. 产权文件（各成员国有所不同）：
   - 德国：土地登记簿（Grundbuch）摘录，须经公证人（Notar）认证
   - 法国：土地登记处（Cadastre）证明 + 公证人（Notaire）认证
   - 西班牙：土地登记处（Registro de la Propiedad）证明
   - 荷兰：土地登记处（Kadaster）证明
2. 外资限制：
   - 欧盟公民：无限制
   - 非欧盟公民：部分成员国有限制（如匈牙利农业用地）
   - 须遵守欧盟外资审查框架（FDI Screening Regulation）
3. 所有权转移：
   - 须经公证人认证
   - 须在当地土地登记处完成登记
   - 链上转移须同步更新土地登记处记录
4. 税务合规：
   - 须遵守 DAC6（跨境税务安排申报指令）`,
    contentEn: "EU real estate ownership verification varies by member state. Germany requires Grundbuch extract with Notar certification. France requires Cadastre certificate with Notaire certification. Foreign investors subject to EU FDI Screening Regulation.",
    legalBasis: "欧盟外资审查法规(EU) 2019/452、DAC6指令、各成员国土地登记法",
    sourceUrl: "https://ec.europa.eu/info/business-economy-euro/doing-business-eu/investment_en",
    ownershipRequirements: {
      proofDocuments: ["土地登记证明（各国格式不同）", "公证人认证书", "外资审查批准（如适用）", "税务合规证明"],
      registrationRequired: true,
      registrationAuthority: "各成员国土地登记处",
      transferMechanism: "公证人认证 + 土地登记处登记 + 链上同步",
      chainRecognition: "欧盟eIDAS法规支持电子签名和区块链记录的法律效力",
      disputeResolution: "适用资产所在成员国法律",
      foreignOwnershipRestriction: "非欧盟公民须遵守FDI审查框架",
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["欧盟", "房地产", "所有权", "公证人", "土地登记", "FDI审查", "eIDAS"],
    version: "1.0",
    effectiveDate: "2024-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "EU_REALESTATE",
    relevance: 0.90,
  },

  // ══════════════════════════════════════════════════════════════
  // 香港 (HK) 规则
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "HK_VIRTUAL_ASSETS_TRADING_001",
    jurisdiction: "HK",
    jurisdictionName: "香港",
    regulator: "SFC",
    assetClass: "DigitalAssets",
    category: "虚拟资产",
    ruleType: "trading_permission",
    ruleName: "香港虚拟资产交易平台（VATP）规则",
    ruleNameEn: "Hong Kong Virtual Asset Trading Platform (VATP) Rule",
    content: `香港《虚拟资产服务提供商条例》(VASP Ordinance) 交易规则（2023年6月生效）：
1. 平台牌照要求：
   - 所有在港运营的虚拟资产交易平台须向 SFC 申请 VATP 牌照
   - 须满足最低资本要求（实缴股本≥500万港元）
   - 须委任持牌负责人员（RO）
2. 投资者保护：
   - 零售投资者：可交易 SFC 批准的虚拟资产（须通过知识测试）
   - 专业投资者：可交易更广泛的虚拟资产（净资产≥800万港元）
   - 须实施冷钱包存储（≥98%资产）
3. 所有权验证：
   - 须实施严格的 KYC/AML（遵守 FATF 旅行规则）
   - 须核实虚拟资产的来源合法性
   - 须保存5年交易记录
4. RWA 代币特别规定：
   - RWA 代币须通过 SFC 的证券代币发行（STO）框架
   - 须提交招股说明书或获得豁免
5. XTZH 在港使用：
   - 作为稳定币，须遵守香港稳定币监管框架（2024年咨询文件）
   - 须向香港金管局（HKMA）申请稳定币发行人牌照`,
    contentEn: "Hong Kong VASP Ordinance requires VATP license from SFC, minimum HK$5M paid-up capital, licensed RO. Retail investors need knowledge test. ≥98% assets in cold storage. RWA tokens must follow STO framework. XTZH needs HKMA stablecoin issuer license.",
    legalBasis: "《打击洗钱及恐怖分子资金筹集条例》(AMLO)、SFC《虚拟资产交易平台营运者监管要求》",
    sourceUrl: "https://www.sfc.hk/en/Regulatory-functions/Products-and-Partners/Regulation-of-virtual-asset-activities/Regulatory-requirements-for-virtual-asset-trading-platform-operators",
    ownershipRequirements: {
      proofDocuments: ["VATP牌照", "KYC文件", "资产来源证明", "STO招股说明书（如适用）"],
      registrationRequired: true,
      registrationAuthority: "香港证监会(SFC)",
      transferMechanism: "SFC认可VATP执行 + FATF旅行规则合规",
      chainRecognition: "香港法律承认区块链记录作为电子证据",
      disputeResolution: "香港国际仲裁中心(HKIAC)或香港法院",
    },
    tradingRequirements: {
      minimumInvestor: "零售投资者（须通过知识测试）/ 专业投资者（净资产≥800万港元）",
      allowedCurrencies: ["HKD", "USD", "XTZH"],
      exchangeRequired: true,
      otcAllowed: false,
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["香港", "虚拟资产", "VATP", "SFC", "STO", "FATF", "稳定币", "HKMA"],
    version: "1.0",
    effectiveDate: "2023-06-01",
    lastUpdated: now,
    crawledAt: now,
    source: "HK_SFC_VATP",
    relevance: 0.95,
  },
  {
    ruleId: "HK_REALESTATE_OWNERSHIP_001",
    jurisdiction: "HK",
    jurisdictionName: "香港",
    regulator: "LR/SFC",
    assetClass: "RealEstate",
    category: "房地产",
    ruleType: "ownership_verification",
    ruleName: "香港房地产所有权验证规则",
    ruleNameEn: "Hong Kong Real Estate Ownership Verification Rule",
    content: `香港房地产资产上链所有权验证要求：
1. 产权文件：
   - 土地注册处（Land Registry）查册证明
   - 楼契（Title Deeds）正本
   - 无按揭/无押记证明
2. 外资规定：
   - 非香港永久居民购买住宅物业须缴付额外印花税（BSD）：15%
   - 公司购买须缴付买家印花税（BSD）：15%
   - 商业物业：无外资限制
3. 所有权转移：
   - 须经律师行（Solicitor）处理
   - 须在土地注册处完成登记
   - 链上转移须同步更新土地注册处记录
4. 代币化房地产（REITs）：
   - 香港 REITs 须在港交所（HKEX）上市
   - 须遵守 SFC《房地产投资信托基金守则》
   - 分派比率须≥90%可分派收入`,
    contentEn: "HK real estate requires Land Registry search, Title Deeds, mortgage-free certificate. Non-HKPR buyers pay 15% BSD. Transfer via solicitor and Land Registry. Tokenized real estate (REITs) must list on HKEX and comply with SFC REIT Code.",
    legalBasis: "《土地注册条例》(Cap.128)、《印花税条例》(Cap.117)、SFC《房地产投资信托基金守则》",
    sourceUrl: "https://www.sfc.hk/en/Regulatory-functions/Products-and-Partners/Real-estate-investment-trusts",
    ownershipRequirements: {
      proofDocuments: ["土地注册处查册证明", "楼契正本", "无按揭证明", "律师行转让文件"],
      registrationRequired: true,
      registrationAuthority: "香港土地注册处(Land Registry)",
      transferMechanism: "律师行处理 + 土地注册处登记 + 链上同步",
      chainRecognition: "香港《电子交易条例》支持电子记录法律效力",
      disputeResolution: "香港法院 / HKIAC仲裁",
      foreignOwnershipRestriction: "非永久居民购买住宅须缴15%买家印花税",
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["香港", "房地产", "所有权", "土地注册处", "楼契", "印花税", "REITs"],
    version: "1.0",
    effectiveDate: "2024-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "HK_LAND_REGISTRY",
    relevance: 0.90,
  },

  // ══════════════════════════════════════════════════════════════
  // 新加坡 (SG) 规则
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "SG_DIGITAL_ASSETS_TRADING_001",
    jurisdiction: "SG",
    jurisdictionName: "新加坡",
    regulator: "MAS",
    assetClass: "DigitalAssets",
    category: "数字资产",
    ruleType: "trading_permission",
    ruleName: "新加坡数字代币交易规则（PSA/SFA）",
    ruleNameEn: "Singapore Digital Token Trading Rule (PSA/SFA)",
    content: `新加坡数字资产交易双轨监管框架：
1. 支付服务法（PSA 2019）框架：
   - 数字支付代币（DPT）服务须向 MAS 申请主要支付机构（MPI）牌照
   - 须实施 FATF 旅行规则（≥1000 SGD 转账须传递发起人/受益人信息）
   - 须遵守 MAS Notice PSN02（AML/CFT）
2. 证券期货法（SFA）框架：
   - 证券型代币（Security Token）须通过 SFA 发行
   - 须向 MAS 注册招股说明书或获得豁免
   - 须在 MAS 认可的交易所或 RMO 上交易
3. RWA 代币特别规定：
   - MAS 2023年《数字资产白皮书》支持 RWA 代币化
   - 建议使用 MAS Project Guardian 框架
4. XTZH 在新加坡：
   - 作为多资产锚定稳定币，须遵守 MAS 稳定币框架（2023年）
   - 须维持≥100%储备资产
   - 须每月披露储备资产审计报告`,
    contentEn: "Singapore dual-track regulation: PSA for DPT services (MPI license, FATF Travel Rule), SFA for security tokens. XTZH as multi-asset stablecoin must comply with MAS stablecoin framework, maintain ≥100% reserves, monthly audit reports.",
    legalBasis: "《支付服务法》(PSA 2019)、《证券期货法》(SFA)、MAS Notice PSN02、MAS稳定币框架",
    sourceUrl: "https://www.mas.gov.sg/regulation/capital-markets/digital-token-offerings",
    ownershipRequirements: {
      proofDocuments: ["MPI/RMO牌照", "CDD文件", "代币来源证明", "招股说明书（证券型代币）"],
      registrationRequired: true,
      registrationAuthority: "新加坡金融管理局(MAS)",
      transferMechanism: "MAS认可平台执行 + FATF旅行规则合规",
      chainRecognition: "新加坡《电子交易法》支持区块链记录法律效力",
      disputeResolution: "新加坡国际仲裁中心(SIAC)或新加坡法院",
    },
    tradingRequirements: {
      minimumInvestor: "机构投资者 / 认可投资者（净资产>200万SGD）",
      allowedCurrencies: ["SGD", "USD", "XTZH"],
      exchangeRequired: true,
      otcAllowed: true,
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["新加坡", "数字资产", "PSA", "SFA", "MAS", "FATF", "稳定币", "Project Guardian"],
    version: "1.0",
    effectiveDate: "2023-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "SG_MAS_DIGITAL",
    relevance: 0.95,
  },
  {
    ruleId: "SG_REALESTATE_OWNERSHIP_001",
    jurisdiction: "SG",
    jurisdictionName: "新加坡",
    regulator: "SLA/URA",
    assetClass: "RealEstate",
    category: "房地产",
    ruleType: "ownership_verification",
    ruleName: "新加坡房地产所有权验证规则",
    ruleNameEn: "Singapore Real Estate Ownership Verification Rule",
    content: `新加坡房地产资产上链所有权验证要求：
1. 产权文件：
   - 新加坡土地管理局（SLA）产权证明
   - 无产权负担证明（Encumbrance Search）
2. 外资限制（住宅地产）：
   - 外国人不得购买有地住宅（Landed Property），除非获得 LDAU 批准
   - 外国人可购买公寓（Condominium）和商业地产
   - 须缴付额外买家印花税（ABSD）：外国人60%，永久居民5%（第一套）
3. 所有权转移：
   - 须经律师行处理
   - 须在 SLA 完成产权转移登记
   - 链上转移须同步更新 SLA 记录
4. 代币化房地产：
   - 须通过 MAS SFA 框架发行
   - 新加坡 REITs（S-REITs）须在 SGX 上市
   - 分派比率须≥90%可分派收入`,
    contentEn: "Singapore real estate requires SLA title certificate, encumbrance search. Foreigners cannot buy landed property without LDAU approval. ABSD: 60% for foreigners. Transfer via solicitor and SLA registration.",
    legalBasis: "《土地所有权法》(LTA)、《住宅地产法》(RPA)、《印花税法》、SLA条例",
    sourceUrl: "https://www.sla.gov.sg/land-registration",
    ownershipRequirements: {
      proofDocuments: ["SLA产权证明", "无产权负担证明", "LDAU批准（外国人有地住宅）", "律师行转让文件"],
      registrationRequired: true,
      registrationAuthority: "新加坡土地管理局(SLA)",
      transferMechanism: "律师行处理 + SLA登记 + 链上同步",
      chainRecognition: "新加坡《电子交易法》支持电子记录法律效力",
      disputeResolution: "新加坡法院 / SIAC仲裁",
      foreignOwnershipRestriction: "外国人购买有地住宅须LDAU批准；购买公寓须缴60%ABSD",
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["新加坡", "房地产", "所有权", "SLA", "ABSD", "外资限制", "S-REITs"],
    version: "1.0",
    effectiveDate: "2024-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "SG_SLA_REALESTATE",
    relevance: 0.90,
  },

  // ══════════════════════════════════════════════════════════════
  // 阿联酋/迪拜 (AE) 规则
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "AE_DIGITAL_ASSETS_TRADING_001",
    jurisdiction: "AE",
    jurisdictionName: "阿联酋/迪拜",
    regulator: "DFSA/VARA",
    assetClass: "DigitalAssets",
    category: "虚拟资产",
    ruleType: "trading_permission",
    ruleName: "迪拜虚拟资产交易规则（VARA）",
    ruleNameEn: "Dubai Virtual Assets Trading Rule (VARA)",
    content: `迪拜《虚拟资产法》(Law No.4 of 2022) 交易规则：
1. 监管机构：
   - 迪拜：VARA（虚拟资产监管局）
   - DIFC：DFSA（迪拜金融服务管理局）
   - 阿布扎比：ADGM（阿布扎比全球市场）
2. VARA 牌照类型：
   - 顾问服务、经纪交易商、托管服务、交易所服务、贷款服务、支付服务、转让和结算
3. 所有权验证：
   - 须实施 FATF 旅行规则
   - 须进行 KYC/AML/CFT 审查
   - 须核实虚拟资产来源
4. RWA 代币特别规定：
   - VARA 2023年《RWA 代币化指引》支持 RWA 上链
   - 须通过 VARA 批准的发行人发行
   - 须在 VARA 授权的交易所交易
5. XTZH 在迪拜：
   - 作为稳定币，须向 VARA 申请支付代币服务牌照`,
    contentEn: "Dubai Virtual Assets Law requires VARA license for 7 service types. FATF Travel Rule mandatory. VARA 2023 RWA Tokenization Guidelines support RWA on-chain. XTZH needs VARA payment token service license.",
    legalBasis: "迪拜《虚拟资产法》No.4/2022、VARA《虚拟资产和相关活动条例》2023",
    sourceUrl: "https://www.vara.ae/en/regulation/rulebooks/",
    ownershipRequirements: {
      proofDocuments: ["VARA牌照", "KYC文件", "资产来源证明", "VARA批准的发行文件"],
      registrationRequired: true,
      registrationAuthority: "迪拜虚拟资产监管局(VARA)",
      transferMechanism: "VARA授权交易所执行 + FATF旅行规则合规",
      chainRecognition: "迪拜法律承认区块链记录作为法律证据",
      disputeResolution: "迪拜国际仲裁中心(DIAC)或DIFC法院",
    },
    tradingRequirements: {
      allowedCurrencies: ["AED", "USD", "XTZH"],
      exchangeRequired: true,
      otcAllowed: true,
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["迪拜", "阿联酋", "虚拟资产", "VARA", "DFSA", "DIFC", "RWA代币化"],
    version: "1.0",
    effectiveDate: "2023-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "AE_VARA",
    relevance: 0.95,
  },

  // ══════════════════════════════════════════════════════════════
  // 中国 (CN) 规则
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "CN_REALESTATE_OWNERSHIP_001",
    jurisdiction: "CN",
    jurisdictionName: "中国",
    regulator: "自然资源部/住建部",
    assetClass: "RealEstate",
    category: "不动产",
    ruleType: "ownership_verification",
    ruleName: "中国不动产所有权验证规则",
    ruleNameEn: "China Real Estate Ownership Verification Rule",
    content: `中国不动产资产上链所有权验证要求：
1. 产权文件：
   - 不动产权证书（统一登记证书，2015年后颁发）
   - 不动产登记簿查询证明（自然资源部不动产登记中心）
   - 无抵押/无查封证明
   - 土地使用权证（国有土地/集体土地）
2. 外资限制：
   - 外商投资企业购买商业地产须符合《外商投资法》
   - 外籍个人购买住宅须满足：在境内工作/学习满1年，且只能购买1套
   - 农业用地：外资不得持有
3. 所有权转移机制：
   - 须在当地不动产登记中心完成登记
   - 须缴纳契税（3%-5%）
   - 链上转移须同步更新不动产登记系统
   - 注意：中国目前不承认区块链记录替代官方登记
4. 特别注意：
   - 中国实行土地国有制，个人只持有土地使用权（70年住宅/50年商业）
   - 链上确权须特别说明：链上记录为辅助证明，官方登记为主要证明`,
    contentEn: "China real estate requires Real Estate Certificate (unified since 2015), land registry search, mortgage-free certificate. Foreign individuals can buy only 1 residential unit after 1 year in China. Agricultural land: no foreign ownership. On-chain records are supplementary; official registration is primary. China uses land use rights (70-year residential, 50-year commercial).",
    legalBasis: "《不动产登记暂行条例》、《物权法》、《外商投资法》、《土地管理法》",
    sourceUrl: "http://www.csrc.gov.cn/csrc/c101954/zfxxgk_zdgk.shtml",
    ownershipRequirements: {
      proofDocuments: ["不动产权证书", "不动产登记簿查询证明", "无抵押证明", "土地使用权证", "契税完税证明"],
      registrationRequired: true,
      registrationAuthority: "当地不动产登记中心（自然资源部系统）",
      transferMechanism: "不动产登记中心登记 + 链上辅助记录",
      chainRecognition: "中国目前不承认区块链记录替代官方不动产登记，链上记录仅作辅助证明",
      disputeResolution: "中国法院 / 中国国际经济贸易仲裁委员会(CIETAC)",
      foreignOwnershipRestriction: "外籍个人限购1套住宅；农业用地禁止外资；商业地产须符合外商投资法",
    },
    complianceLevel: "mandatory",
    tier: 2,
    tags: ["中国", "不动产", "所有权", "不动产权证书", "土地使用权", "外资限制", "CIETAC"],
    version: "1.0",
    effectiveDate: "2024-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "CN_REALESTATE",
    relevance: 0.90,
  },
  {
    ruleId: "CN_SECURITIES_TRADING_001",
    jurisdiction: "CN",
    jurisdictionName: "中国",
    regulator: "CSRC/证监会",
    assetClass: "FinancialSecurities",
    category: "证券",
    ruleType: "trading_permission",
    ruleName: "中国证券交易合规规则",
    ruleNameEn: "China Securities Trading Compliance Rule",
    content: `中国证券资产上链交易合规要求：
1. 监管框架：
   - 证监会（CSRC）统一监管
   - A股：沪深交易所，仅限境内投资者（QFII/RQFII 除外）
   - B股：沪深交易所，允许外资
   - H股：香港交易所，国际投资者
2. 数字资产特别规定：
   - 中国明确禁止加密货币交易（2021年9月通知）
   - 禁止境内机构和个人参与虚拟货币相关业务
   - 数字人民币（e-CNY）除外
3. 证券代币化现状：
   - 中国尚未建立证券代币化监管框架
   - 部分试点在上海、北京、广州进行
   - 须通过监管沙盒申请
4. 所有权转移：
   - A股须通过中国证券登记结算公司（CSDC）
   - 须实名制登记（一人一户）
5. 跨境资本流动：
   - 须遵守外汇管理局（SAFE）规定
   - QFII/RQFII 额度限制`,
    contentEn: "China securities: CSRC regulates A/B/H shares. Crypto trading explicitly banned since Sept 2021. Securities tokenization has no formal framework yet. A-share ownership via CSDC, real-name registration. Cross-border capital subject to SAFE regulations.",
    legalBasis: "《证券法》、《关于进一步防范和处置虚拟货币交易炒作风险的通知》(2021)、《外汇管理条例》",
    sourceUrl: "http://www.csrc.gov.cn/csrc/c101954/c101955/c101960/index.shtml",
    ownershipRequirements: {
      proofDocuments: ["证券账户开户证明", "实名认证文件", "QFII/RQFII资格证明（外资）"],
      registrationRequired: true,
      registrationAuthority: "中国证券登记结算公司(CSDC)",
      transferMechanism: "CSDC登记结算 + 链上辅助记录（试点阶段）",
      chainRecognition: "中国目前无正式证券代币化法律框架，链上记录不具独立法律效力",
      disputeResolution: "中国证监会调解 / 中国法院 / CIETAC",
    },
    complianceLevel: "mandatory",
    tier: 2,
    tags: ["中国", "证券", "CSRC", "A股", "CSDC", "禁止加密货币", "QFII", "外汇管制"],
    version: "1.0",
    effectiveDate: "2024-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "CN_CSRC_SECURITIES",
    relevance: 0.90,
  },

  // ══════════════════════════════════════════════════════════════
  // 日本 (JP) 规则
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "JP_DIGITAL_ASSETS_TRADING_001",
    jurisdiction: "JP",
    jurisdictionName: "日本",
    regulator: "FSA",
    assetClass: "DigitalAssets",
    category: "加密资产",
    ruleType: "trading_permission",
    ruleName: "日本加密资产交易规则（FIEA/PSA）",
    ruleNameEn: "Japan Crypto Asset Trading Rule (FIEA/PSA)",
    content: `日本加密资产双轨监管框架：
1. 支付服务法（PSA）框架：
   - 加密资产交换业者须向 FSA 注册
   - 须实施 FATF 旅行规则（2023年起）
   - 须将客户资产与自有资产分离（冷钱包≥95%）
2. 金融工具和交易法（FIEA）框架：
   - 证券型代币（ST）须通过 FIEA 发行
   - 须向 FSA 注册为第一类金融工具业者
   - 须提交有价证券报告书
3. 所有权验证：
   - 须实施严格 KYC（本人确认法）
   - 须核实资产来源（犯罪收益转移防止法）
4. RWA 代币特别规定：
   - FSA 2023年《ST 研究会报告》支持 RWA 代币化
   - 不动产 ST 须通过不动产特定共同事业法
   - 须在 FSA 注册的 ST 交易所交易`,
    contentEn: "Japan dual-track: PSA for crypto exchanges (FSA registration, FATF Travel Rule, ≥95% cold storage), FIEA for security tokens. RWA tokenization supported by FSA 2023 ST Research Report. Real estate ST via Real Estate Specified Joint Enterprise Act.",
    legalBasis: "《支付服务法》(PSA)、《金融工具和交易法》(FIEA)、《本人确认法》、《犯罪收益转移防止法》",
    sourceUrl: "https://www.fsa.go.jp/en/policy/virtual_currency/index.html",
    ownershipRequirements: {
      proofDocuments: ["FSA注册证明", "本人确认文件", "资产来源证明", "有价证券报告书（ST）"],
      registrationRequired: true,
      registrationAuthority: "日本金融厅(FSA)",
      transferMechanism: "FSA注册交易所执行 + FATF旅行规则合规",
      chainRecognition: "日本《电子记录债权法》支持区块链记录法律效力",
      disputeResolution: "日本法院 / 日本商事仲裁协会(JCAA)",
    },
    tradingRequirements: {
      allowedCurrencies: ["JPY", "USD", "XTZH"],
      exchangeRequired: true,
      otcAllowed: false,
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["日本", "加密资产", "PSA", "FIEA", "FSA", "证券型代币", "FATF", "不动产ST"],
    version: "1.0",
    effectiveDate: "2023-06-01",
    lastUpdated: now,
    crawledAt: now,
    source: "JP_FSA",
    relevance: 0.90,
  },

  // ══════════════════════════════════════════════════════════════
  // 全球通用 - 大宗商品
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "GLOBAL_COMMODITIES_TRADING_001",
    jurisdiction: "GLOBAL",
    jurisdictionName: "全球通用",
    regulator: "IOSCO/CFTC/FCA",
    assetClass: "Commodities",
    category: "大宗商品",
    ruleType: "trading_permission",
    ruleName: "大宗商品代币化交易规则",
    ruleNameEn: "Commodity Tokenization Trading Rule",
    content: `大宗商品资产代币化交易核心规则：
1. 实物背书要求：
   - 每个大宗商品代币须有等量实物资产背书
   - 须经独立第三方审计机构定期审计（至少每季度）
   - 须在认可的仓储机构（如 LME 认可仓库）存放实物
2. 所有权证明：
   - 仓单（Warehouse Receipt）：须为可转让仓单
   - 质量证书（Quality Certificate）：须符合国际标准（如 LBMA 黄金标准）
   - 保险证明：须有足额保险
3. 交易规则：
   - 须在 CFTC/FCA/MAS 等认可的商品交易所或 OTC 平台交易
   - 须遵守各商品交易所的交割规则
   - 须实施仓位限制（防止市场操纵）
4. 贵金属特别规定：
   - 黄金：须符合 LBMA（伦敦金银市场协会）标准
   - 白银：须符合 LBMA 白银标准
5. 能源商品特别规定：
   - 原油：须符合 ICE/NYMEX 标准`,
    contentEn: "Commodity tokenization requires physical backing, independent quarterly audits, storage in recognized warehouses (e.g., LME-approved). Ownership via transferable warehouse receipts, quality certificates (LBMA for gold), insurance. Must trade on CFTC/FCA/MAS recognized exchanges.",
    legalBasis: "IOSCO商品市场原则、CFTC商品交易法、LBMA黄金标准、LME规则",
    sourceUrl: "https://www.iosco.org/library/pubdocs/pdf/IOSCOPD734.pdf",
    ownershipRequirements: {
      proofDocuments: ["可转让仓单", "质量证书", "保险证明", "第三方审计报告"],
      registrationRequired: true,
      registrationAuthority: "认可商品交易所 / 仓储机构",
      transferMechanism: "仓单转让 + 链上同步更新",
      chainRecognition: "仓单代币化在多个司法辖区已获法律认可（如新加坡、英国）",
      disputeResolution: "适用商品交易所规则 / 国际商会(ICC)仲裁",
    },
    tradingRequirements: {
      settlementPeriod: "T+2（现货）/ 合约到期日（期货）",
      allowedCurrencies: ["USD", "EUR", "XTZH"],
      exchangeRequired: false,
      otcAllowed: true,
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["大宗商品", "黄金", "白银", "原油", "仓单", "LBMA", "LME", "实物背书"],
    version: "1.0",
    effectiveDate: "2024-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "GLOBAL_COMMODITIES",
    relevance: 0.90,
  },

  // ══════════════════════════════════════════════════════════════
  // 全球通用 - 碳排放权
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "GLOBAL_CARBON_TRADING_001",
    jurisdiction: "GLOBAL",
    jurisdictionName: "全球通用",
    regulator: "UNFCCC/ICVCM",
    assetClass: "EnvironmentalRights",
    category: "碳排放权",
    ruleType: "trading_permission",
    ruleName: "碳排放权代币化交易规则",
    ruleNameEn: "Carbon Credit Tokenization Trading Rule",
    content: `碳排放权代币化交易核心规则：
1. 碳信用标准：
   - 自愿碳市场：须符合 VCS（Verra）、Gold Standard 或 ICVCM Core Carbon Principles
   - 强制碳市场：须符合所在司法辖区规定（如 EU ETS、中国全国碳市场）
2. 所有权证明：
   - 碳信用注册证明（Verra/Gold Standard 注册系统）
   - 碳信用序列号（唯一标识）
   - 核查机构报告（DOE/VVB 认证）
3. 防止双重计算：
   - 须在注册系统中注销（Retire）碳信用后才能上链
   - 链上记录须与注册系统实时同步
   - 须防止同一碳信用在多个系统重复使用
4. 交易规则：
   - 自愿碳市场：可在 Xpansiv、ACX 等平台交易
   - EU ETS：须在 EU ETS 注册系统中交易
   - 中国碳市场：须在上海环境能源交易所交易
5. XTZH 结算：
   - 碳信用交易可使用 XTZH 结算`,
    contentEn: "Carbon credit tokenization: voluntary market credits must meet VCS/Gold Standard/ICVCM Core Carbon Principles. Must retire credits in registry before on-chain. Prevent double-counting by real-time sync with registry. XTZH settlement allowed.",
    legalBasis: "《巴黎协定》第6条、ICVCM Core Carbon Principles、EU ETS指令、中国《碳排放权交易管理办法》",
    sourceUrl: "https://icvcm.org/the-core-carbon-principles/",
    ownershipRequirements: {
      proofDocuments: ["碳信用注册证明", "核查机构报告", "注销证明（Retirement Certificate）"],
      registrationRequired: true,
      registrationAuthority: "Verra/Gold Standard/EU ETS注册系统/全国碳排放权注册登记系统",
      transferMechanism: "注册系统注销 + 链上铸造，防止双重计算",
      chainRecognition: "部分司法辖区已承认代币化碳信用（新加坡、英国试点）",
      disputeResolution: "UNFCCC争议解决机制 / 适用司法辖区法律",
    },
    tradingRequirements: {
      allowedCurrencies: ["USD", "EUR", "CNY", "XTZH"],
      exchangeRequired: false,
      otcAllowed: true,
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["碳排放权", "碳信用", "VCS", "Gold Standard", "EU ETS", "中国碳市场", "双重计算"],
    version: "1.0",
    effectiveDate: "2024-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "GLOBAL_CARBON",
    relevance: 0.90,
  },

  // ══════════════════════════════════════════════════════════════
  // 全球通用 - KYC/AML
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "GLOBAL_KYC_AML_001",
    jurisdiction: "GLOBAL",
    jurisdictionName: "全球通用",
    regulator: "FATF",
    assetClass: "ALL",
    category: "KYC/AML",
    ruleType: "kyc_aml",
    ruleName: "FATF 旅行规则与 KYC/AML 全球标准",
    ruleNameEn: "FATF Travel Rule and KYC/AML Global Standard",
    content: `FATF（金融行动特别工作组）全球 KYC/AML 标准（适用所有 NAC 交易）：
1. 客户尽职调查（CDD）：
   - 标准 CDD：身份验证（政府颁发证件）+ 地址证明 + 资金来源
   - 增强 CDD（EDD）：高风险客户（PEP/高风险国家/大额交易）
   - 简化 CDD：低风险客户（部分司法辖区适用）
2. FATF 旅行规则（虚拟资产）：
   - 转账金额≥1000 USD/EUR 须传递发起人和受益人信息
   - 须使用 IVMS 101 数据标准
   - 须在 VASP 间安全传输
3. 制裁筛查：
   - OFAC（美国）制裁名单
   - EU 制裁名单
   - UN 制裁名单
   - 各司法辖区本地制裁名单
4. 可疑交易报告（STR）：
   - 发现可疑交易须向所在司法辖区 FIU 报告
   - 须保存5年交易记录
5. NAC 实施要求：
   - 所有 NAC 用户须完成 KYC Level 1（基础）
   - 大额交易（>10万 XTZH）须完成 KYC Level 2（增强）
   - 机构用户须完成 KYC Level 3（机构级）`,
    contentEn: "FATF global KYC/AML standards: Standard CDD (ID + address + source of funds), Enhanced CDD for PEPs/high-risk, Travel Rule ≥$1000 requires IVMS 101 data transfer between VASPs. Sanctions screening: OFAC/EU/UN lists. STR to local FIU. NAC KYC levels: L1 (basic), L2 (enhanced >100K XTZH), L3 (institutional).",
    legalBasis: "FATF 40项建议、FATF虚拟资产指引（2021年更新）、IVMS 101标准",
    sourceUrl: "https://www.fatf-gafi.org/en/topics/virtual-assets.html",
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["KYC", "AML", "FATF", "旅行规则", "OFAC", "制裁筛查", "CDD", "STR", "IVMS 101"],
    version: "1.0",
    effectiveDate: "2021-10-01",
    lastUpdated: now,
    crawledAt: now,
    source: "FATF_GLOBAL",
    relevance: 1.0,
  },

  // ══════════════════════════════════════════════════════════════
  // 全球通用 - 跨境交易
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "GLOBAL_CROSSBORDER_001",
    jurisdiction: "GLOBAL",
    jurisdictionName: "全球通用",
    regulator: "NAC/FATF",
    assetClass: "ALL",
    category: "跨境交易",
    ruleType: "cross_border",
    ruleName: "NAC 跨境资产交易合规规则",
    ruleNameEn: "NAC Cross-Border Asset Trading Compliance Rule",
    content: `NAC 公链跨境资产交易合规框架：
1. 双重司法辖区验证：
   - 卖方所在辖区规则验证（资产来源合法性）
   - 买方所在辖区规则验证（投资者资质合规）
   - 资产所在辖区规则验证（外资持有限制）
2. 跨境资本流动：
   - 须遵守买卖双方所在辖区的外汇管制规定
   - 中国：须遵守 SAFE 外汇管理规定（资本项目管制）
   - 印度：须遵守 FEMA（外汇管理法）
   - 马来西亚：须遵守 BNM 外汇管理规定
3. 税务合规：
   - 须遵守 OECD CRS（共同申报准则）
   - 美国账户持有人须遵守 FATCA
   - 须在相关司法辖区申报资本利得税
4. Charter 合约跨境条款：
   - 须明确指定适用法律（governing law）
   - 须指定争议解决机制（仲裁/诉讼）
   - 须包含制裁合规条款
5. XTZH 跨境结算：
   - XTZH 作为中性结算货币，规避汇率风险
   - 须遵守各辖区稳定币监管规定`,
    contentEn: "NAC cross-border trading requires dual jurisdiction validation (seller's, buyer's, and asset's jurisdictions). Capital flow subject to FX regulations (China SAFE, India FEMA, Malaysia BNM). Tax compliance per OECD CRS and FATCA. Charter contracts must specify governing law and dispute resolution. XTZH as neutral settlement currency.",
    legalBasis: "OECD CRS、FATCA、各辖区外汇管理法规、FATF跨境汇款规则",
    sourceUrl: "https://www.oecd.org/tax/automatic-exchange/common-reporting-standard/",
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["跨境交易", "外汇管制", "SAFE", "FATCA", "CRS", "双重验证", "Charter合约", "XTZH结算"],
    version: "1.0",
    effectiveDate: "2024-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "GLOBAL_CROSSBORDER",
    relevance: 0.95,
  },

  // ══════════════════════════════════════════════════════════════
  // 全球通用 - 知识产权
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "GLOBAL_IP_OWNERSHIP_001",
    jurisdiction: "GLOBAL",
    jurisdictionName: "全球通用",
    regulator: "WIPO",
    assetClass: "IntellectualProperty",
    category: "知识产权",
    ruleType: "ownership_verification",
    ruleName: "知识产权代币化所有权验证规则",
    ruleNameEn: "Intellectual Property Tokenization Ownership Verification Rule",
    content: `知识产权资产代币化所有权验证要求：
1. 专利权：
   - 须提供专利证书（Patent Certificate）
   - 须在 WIPO 或国家专利局完成登记
   - 须确认专利有效期（发明专利20年，实用新型10年）
2. 商标权：
   - 须提供商标注册证
   - 须在 WIPO 马德里体系或国家商标局完成登记
   - 须确认商标有效期（通常10年，可续展）
3. 版权：
   - 须提供版权登记证明（部分国家强制登记）
   - 须确认版权归属（创作者/受让人）
   - 须核实版权有效期（通常作者死后70年）
4. 所有权转移：
   - 须签署知识产权转让协议
   - 须在相关知识产权局完成变更登记
   - 链上转移须同步更新知识产权登记记录
5. 许可与使用：
   - 可通过 Charter 合约实现自动化版税分配
   - 须明确许可范围、期限、地域`,
    contentEn: "IP tokenization: Patents need certificate, WIPO/national registration, validity confirmation (20yr invention, 10yr utility). Trademarks need registration certificate. Copyrights need registration proof. Transfer via IP assignment agreement + registry update + on-chain sync. Charter contracts can automate royalty distribution.",
    legalBasis: "《伯尔尼公约》、《巴黎公约》、WIPO条约、各国知识产权法",
    sourceUrl: "https://www.wipo.int/ip-outreach/en/ipday/2023/",
    ownershipRequirements: {
      proofDocuments: ["知识产权证书（专利/商标/版权）", "知识产权局登记证明", "转让协议", "有效期证明"],
      registrationRequired: true,
      registrationAuthority: "WIPO / 国家知识产权局",
      transferMechanism: "知识产权转让协议 + 知识产权局变更登记 + 链上同步",
      chainRecognition: "部分司法辖区已承认区块链时间戳作为版权创作时间证明",
      disputeResolution: "WIPO仲裁与调解中心 / 适用司法辖区法院",
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["知识产权", "专利", "商标", "版权", "WIPO", "版税", "Charter合约"],
    version: "1.0",
    effectiveDate: "2024-01-01",
    lastUpdated: now,
    crawledAt: now,
    source: "GLOBAL_IP",
    relevance: 0.85,
  },

  // ══════════════════════════════════════════════════════════════
  // 英国 (GB) 规则
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "GB_DIGITAL_ASSETS_TRADING_001",
    jurisdiction: "GB",
    jurisdictionName: "英国",
    regulator: "FCA",
    assetClass: "DigitalAssets",
    category: "加密资产",
    ruleType: "trading_permission",
    ruleName: "英国 FCA 加密资产交易规则",
    ruleNameEn: "UK FCA Crypto Asset Trading Rule",
    content: `英国金融行为监管局（FCA）加密资产监管框架：
1. 注册要求：
   - 所有在英国提供加密资产服务的企业须向 FCA 注册（MLR 2017）
   - 须满足 AML/CFT 要求
2. 金融促销规则（2023年10月起）：
   - 加密资产金融促销须经 FCA 批准或由 FCA 注册企业发布
   - 须包含风险警示（"加密资产高度波动，可能损失全部投资"）
3. 证券型代币：
   - 须遵守《金融服务和市场法》(FSMA 2000)
   - 须在 FCA 授权的平台上交易
4. RWA 代币化：
   - 英国财政部 2023年《数字证券沙盒》支持 RWA 代币化
   - 须通过 FCA 沙盒申请
5. 稳定币：
   - 须遵守英国稳定币监管框架（2023年咨询文件）
   - 须向 FCA 申请支付机构牌照`,
    contentEn: "UK FCA requires registration for crypto asset services (MLR 2017). Financial promotions must be FCA-approved since Oct 2023. Security tokens under FSMA 2000. UK Treasury 2023 Digital Securities Sandbox supports RWA tokenization. Stablecoins need FCA payment institution license.",
    legalBasis: "《金融服务和市场法》(FSMA 2000)、《洗钱条例》(MLR 2017)、FCA金融促销规则",
    sourceUrl: "https://www.fca.org.uk/firms/cryptoassets",
    ownershipRequirements: {
      proofDocuments: ["FCA注册证明", "KYC文件", "资产来源证明"],
      registrationRequired: true,
      registrationAuthority: "英国金融行为监管局(FCA)",
      transferMechanism: "FCA注册平台执行 + FATF旅行规则合规",
      chainRecognition: "英国《电子贸易文件法》(2023年)承认区块链记录法律效力",
      disputeResolution: "英国法院 / 伦敦国际仲裁院(LCIA)",
    },
    tradingRequirements: {
      allowedCurrencies: ["GBP", "USD", "XTZH"],
      exchangeRequired: true,
      otcAllowed: true,
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["英国", "FCA", "加密资产", "MLR", "数字证券沙盒", "稳定币", "FSMA"],
    version: "1.0",
    effectiveDate: "2023-10-08",
    lastUpdated: now,
    crawledAt: now,
    source: "GB_FCA",
    relevance: 0.90,
  },

  // ══════════════════════════════════════════════════════════════
  // 澳大利亚 (AU) 规则
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "AU_DIGITAL_ASSETS_TRADING_001",
    jurisdiction: "AU",
    jurisdictionName: "澳大利亚",
    regulator: "ASIC",
    assetClass: "DigitalAssets",
    category: "数字资产",
    ruleType: "trading_permission",
    ruleName: "澳大利亚 ASIC 数字资产交易规则",
    ruleNameEn: "Australia ASIC Digital Asset Trading Rule",
    content: `澳大利亚证券和投资委员会（ASIC）数字资产监管框架：
1. 金融产品分类：
   - 部分加密资产被认定为金融产品（须遵守《公司法》2001）
   - 须向 ASIC 申请金融服务牌照（AFSL）
2. 交易平台要求：
   - 须持有 AFSL 或通过授权代表运营
   - 须遵守 ASIC 市场诚信规则
3. 所有权验证：
   - 须实施 AML/CTF 要求（AUSTRAC 监管）
   - 须遵守 FATF 旅行规则
4. RWA 代币化：
   - ASIC 2022年《加密资产指引》支持 RWA 代币化
   - 须通过 ASIC 创新中心（Innovation Hub）申请
5. 稳定币：
   - 澳大利亚储备银行（RBA）正在研究稳定币监管框架
   - 目前须遵守支付系统监管`,
    contentEn: "Australia ASIC classifies some crypto assets as financial products under Corporations Act 2001, requiring AFSL. AUSTRAC regulates AML/CTF. ASIC 2022 Crypto Asset Guidance supports RWA tokenization via Innovation Hub.",
    legalBasis: "《公司法》2001、《反洗钱和反恐融资法》(AML/CTF Act)、ASIC加密资产指引",
    sourceUrl: "https://asic.gov.au/regulatory-resources/digital-transformation/crypto-assets/",
    ownershipRequirements: {
      proofDocuments: ["AFSL牌照", "AUSTRAC注册证明", "KYC文件"],
      registrationRequired: true,
      registrationAuthority: "澳大利亚证券和投资委员会(ASIC) / AUSTRAC",
      transferMechanism: "AFSL持牌平台执行 + FATF旅行规则合规",
      chainRecognition: "澳大利亚《电子交易法》支持电子记录法律效力",
      disputeResolution: "澳大利亚法院 / ACICA仲裁",
    },
    tradingRequirements: {
      allowedCurrencies: ["AUD", "USD", "XTZH"],
      exchangeRequired: true,
      otcAllowed: true,
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["澳大利亚", "ASIC", "AUSTRAC", "AFSL", "数字资产", "AML/CTF"],
    version: "1.0",
    effectiveDate: "2022-03-01",
    lastUpdated: now,
    crawledAt: now,
    source: "AU_ASIC",
    relevance: 0.85,
  },

  // ══════════════════════════════════════════════════════════════
  // 瑞士 (CH) 规则
  // ══════════════════════════════════════════════════════════════
  {
    ruleId: "CH_DIGITAL_ASSETS_TRADING_001",
    jurisdiction: "CH",
    jurisdictionName: "瑞士",
    regulator: "FINMA",
    assetClass: "DigitalAssets",
    category: "数字资产",
    ruleType: "trading_permission",
    ruleName: "瑞士 FINMA 数字资产交易规则（DLT法）",
    ruleNameEn: "Switzerland FINMA Digital Asset Trading Rule (DLT Act)",
    content: `瑞士金融市场监管局（FINMA）数字资产监管框架（全球最友好之一）：
1. DLT 交易设施（2021年《DLT法》）：
   - 新设 DLT 交易设施牌照（介于交易所和OTC平台之间）
   - 允许零售和机构投资者直接参与
   - 须向 FINMA 申请牌照
2. 代币分类（FINMA 指引）：
   - 支付代币：类似货币，AML 要求
   - 功能型代币：类似软件许可，无金融监管
   - 资产代币：类似证券，须遵守证券法
3. 所有权验证：
   - DLT 证券（DLT-Wertrechte）在《债法典》中具有法律效力
   - 链上记录可直接作为所有权证明
   - 须在 DLT 注册处完成登记
4. RWA 代币化：
   - 瑞士是全球 RWA 代币化最友好的司法辖区之一
   - 楚格州（Crypto Valley）提供完善的法律框架
   - 须通过 FINMA 沙盒或正式牌照`,
    contentEn: "Switzerland FINMA DLT Act (2021) creates DLT trading facility license. Token classification: payment, utility, asset tokens. DLT securities (DLT-Wertrechte) have legal validity under Code of Obligations. On-chain records directly serve as ownership proof. Zug (Crypto Valley) provides comprehensive legal framework.",
    legalBasis: "《分布式账本技术法》(DLT法)、《债法典》(OR)、FINMA《ICO指引》",
    sourceUrl: "https://www.finma.ch/en/documentation/finma-guidance/",
    ownershipRequirements: {
      proofDocuments: ["FINMA牌照/注册证明", "DLT注册处登记证明"],
      registrationRequired: true,
      registrationAuthority: "瑞士金融市场监管局(FINMA) / DLT注册处",
      transferMechanism: "DLT交易设施执行 + 链上记录直接作为所有权证明",
      chainRecognition: "《DLT法》明确承认链上记录具有与传统证券相同的法律效力",
      disputeResolution: "瑞士法院 / 瑞士商事仲裁院(SCAI)",
    },
    tradingRequirements: {
      allowedCurrencies: ["CHF", "EUR", "USD", "XTZH"],
      exchangeRequired: false,
      otcAllowed: true,
    },
    complianceLevel: "mandatory",
    tier: 1,
    tags: ["瑞士", "FINMA", "DLT法", "Crypto Valley", "楚格", "DLT证券", "资产代币"],
    version: "1.0",
    effectiveDate: "2021-02-01",
    lastUpdated: now,
    crawledAt: now,
    source: "CH_FINMA",
    relevance: 0.90,
  },
];

// ─── 主函数 ────────────────────────────────────────────────────────

async function main() {
  console.log("🚀 NAC 贸易规则知识库种子脚本启动...");
  console.log(`📊 准备写入 ${TRADING_RULES.length} 条规则`);
  console.log(`🔗 连接 MongoDB: ${MONGO_URL.replace(/:[^:@]+@/, ":***@")}`);

  const client = new MongoClient(MONGO_URL);

  try {
    await client.connect();
    console.log("✅ MongoDB 连接成功");

    const db = client.db(DB_NAME);
    const collection = db.collection(COLLECTION);

    // 检查现有规则数量
    const existingCount = await collection.countDocuments();
    console.log(`📋 现有规则数量: ${existingCount}`);

    let inserted = 0;
    let updated = 0;
    let skipped = 0;

    for (const rule of TRADING_RULES) {
      const existing = await collection.findOne({ ruleId: rule.ruleId });

      if (existing) {
        // 更新现有规则
        await collection.updateOne(
          { ruleId: rule.ruleId },
          { $set: { ...rule, lastUpdated: new Date() } }
        );
        updated++;
      } else {
        // 插入新规则
        await collection.insertOne({ ...rule, _createdAt: new Date() });
        inserted++;
      }
    }

    console.log(`\n✅ 写入完成:`);
    console.log(`   新增: ${inserted} 条`);
    console.log(`   更新: ${updated} 条`);
    console.log(`   跳过: ${skipped} 条`);

    // 建立索引
    console.log("\n📑 建立全文检索索引...");
    try {
      await collection.createIndex(
        {
          ruleName: "text",
          ruleNameEn: "text",
          content: "text",
          contentEn: "text",
          tags: "text",
          category: "text",
          assetClass: "text",
        },
        {
          name: "trading_rules_text_idx",
          weights: {
            ruleName: 10,
            ruleNameEn: 10,
            tags: 8,
            category: 6,
            assetClass: 6,
            content: 5,
            contentEn: 5,
          },
          default_language: "none", // 支持中文
        }
      );
      console.log("   ✅ 全文索引建立成功");
    } catch (e) {
      if (e.message?.includes("already exists")) {
        console.log("   ℹ️  全文索引已存在，跳过");
      } else {
        console.warn("   ⚠️  全文索引建立失败:", e.message);
      }
    }

    try {
      await collection.createIndex({ jurisdiction: 1, assetClass: 1, ruleType: 1 });
      await collection.createIndex({ tier: 1, relevance: -1 });
      await collection.createIndex({ tags: 1 });
      await collection.createIndex({ ruleId: 1 }, { unique: true });
      console.log("   ✅ 结构化索引建立成功");
    } catch (e) {
      console.warn("   ⚠️  部分索引建立失败:", e.message);
    }

    // 验证
    const finalCount = await collection.countDocuments();
    console.log(`\n📊 最终规则总数: ${finalCount}`);

    // 显示辖区分布
    const byJurisdiction = await collection.aggregate([
      { $group: { _id: "$jurisdiction", count: { $sum: 1 } } },
      { $sort: { count: -1 } }
    ]).toArray();

    console.log("\n📍 辖区分布:");
    for (const item of byJurisdiction) {
      console.log(`   ${item._id}: ${item.count} 条`);
    }

    // 显示资产类别分布
    const byAssetClass = await collection.aggregate([
      { $group: { _id: "$assetClass", count: { $sum: 1 } } },
      { $sort: { count: -1 } }
    ]).toArray();

    console.log("\n🏷️  资产类别分布:");
    for (const item of byAssetClass) {
      console.log(`   ${item._id}: ${item.count} 条`);
    }

    console.log("\n🎉 种子脚本执行完成！智能体现在可以基于真实法规回答问题。");

  } catch (error) {
    console.error("❌ 错误:", error.message);
    process.exit(1);
  } finally {
    await client.close();
    console.log("🔒 MongoDB 连接已关闭");
  }
}

main();