{"coverage_note":"Five categories were checked for Kraken (kraken.com): pricing discrepancies, availability/inventory accuracy, merchant-of-record identity, policy enforcement consistency, and undisclosed transactional constraints. For pricing, searches found no evidence of a gap between quoted and charged amounts; Kraken's fee schedule explicitly disclaims hidden fees and no regulatory action has established otherwise. For availability, scheduled asset delistings were found to be publicly announced in advance, and no bait-and-switch or ghost-inventory pattern was identified. For identity, a now-dismissed SEC lawsuit and an ongoing B2B custody dispute with Etana were surfaced but neither constitutes a consumer-facing counterparty ambiguity; Kraken's published terms clearly name the contracting entities. For policy, 492 CFPB complaints were reviewed but centered on fraud and account-access issues rather than a documented gap between stated and enforced policies. For undisclosed constraints, Kraken's own support documentation covering verification tiers, withdrawal holds, and geo-restrictions was located, indicating the limitation framework is published even if not always prominently surfaced. No category produced a finding that rises to the level of a specific, independently verified discrepancy warranting an agent handoff trigger.","human_handoff_required_for":[],"record_verification":{"last_checked_agentic_scan":"2026-06-28","last_checked_human_verified":null},"vendor_id":"kraken","verified_discrepancies":[]}