<h1>Regulatory risks for mobile-first artisan marketplace: payments (UPI/KYC-AML), data and biometric safeguards, IP, labor, microcredit</h1> A technology-driven social enterprise operates a vernacular, mobile-first platform linking traditional artisans to digital markets, offering AI-assisted cataloguing, UPI payments, micro-credit and insurance. Legally significant issues include compliance with payments and fintech regulation (UPI, KYC/AML), consumer protection and e-commerce liabilities, data protection and biometric/voice processing safeguards, and intellectual property rights for traditional designs. Labor and tax classification of artisans, contractual terms governing marketplace intermediaries, and financial inclusion regulations for micro-credit and insurance are also implicated. Regulatory scrutiny may focus on fair-trading practices, cross-border sales, and safeguards for marginalized users with limited digital literacy.