{
  "name": "Earning Paths Atlas",
  "version": "0.2.0",
  "stand": "2026-10-21",
  "legende": {
    "de": "null = unbekannt/nicht belegt; minuten_geschaetzt/abgeleitet = Schätzung bzw. Ableitung, kein Zitat.",
    "en": "null = unknown/not documented; minuten_geschaetzt/abgeleitet = estimate or inference, not a quote."
  },
  "disclaimer": {
    "de": "Keine Rechts- oder Steuerberatung. Fakten aus den verlinkten Quellen, Stand siehe geprueft_am; vor Entscheidungen Originalquelle prüfen.",
    "en": "No legal or tax advice. Facts from linked sources as of geprueft_am; verify the original source before acting."
  },
  "frage": {
    "platform": "adobe-stock",
    "country": "DE",
    "ai_content": true,
    "automated": true
  },
  "urteil": "bedingt",
  "urteil_erklaerung": {
    "de": "Möglich, aber mit Auflagen (siehe Faktoren).",
    "en": "Possible with conditions (see factors)."
  },
  "faktoren": [
    {
      "faktor": "ki_inhalte",
      "status": "warn",
      "text": {
        "de": "Erlaubt, wenn das KI-Tool kommerzielle Nutzung erlaubt. Checkbox 'Created using generative AI tools' immer setzen; Releases bei echten Personen/Objekten; keine Künstlernamen, Promis, Marken in Prompts; keine nahezu identischen Varianten.",
        "en": "Allowed if the AI tool grants commercial rights. Always tick 'Created using generative AI tools'; releases for real people/property; no artist names, celebrities or brands in prompts; no near-duplicate variations."
      }
    },
    {
      "faktor": "bot_bedienung",
      "status": "warn",
      "text": {
        "de": "Kein öffentliches Contributor-Upload-API gefunden. Upload über Portal oder FTP (Videos nur per FTP; Zugangsdaten im Portal). Metadaten/Einreichen im Portal.",
        "en": "No public contributor upload API found. Upload via portal or FTP (video FTP only; credentials in portal). Metadata/submission in portal."
      }
    },
    {
      "faktor": "land",
      "status": "ok",
      "text": {
        "de": "PayPal weltweit verfügbar; Skrill nimmt in Russland keine neuen Konten an.",
        "en": "PayPal available globally; Skrill accepts no new accounts in Russia."
      }
    },
    {
      "faktor": "kyc",
      "status": "warn",
      "text": {
        "de": "Ein Mensch muss sich verifizieren (KYC). Agenten dürfen das nicht für andere umgehen.",
        "en": "A human must verify (KYC). Agents must not bypass this for others."
      }
    }
  ],
  "menschliche_schritte": [
    {
      "schritt": {
        "de": "Adobe-Konto anlegen und beim Contributor-Programm anmelden",
        "en": "Create Adobe account and join Contributor program"
      },
      "minuten": 5,
      "minuten_geschaetzt": true
    },
    {
      "schritt": {
        "de": "US-Steuerformular (W-8BEN für Nicht-US-Personen) ausfüllen",
        "en": "Complete US tax form (W-8BEN for non-US persons)"
      },
      "minuten": 5,
      "minuten_geschaetzt": true
    },
    {
      "schritt": {
        "de": "Auszahlungskonto (PayPal/Payoneer/Skrill) hinterlegen",
        "en": "Add payout account (PayPal/Payoneer/Skrill)"
      },
      "minuten": 3,
      "minuten_geschaetzt": true
    }
  ],
  "menschliche_minuten_geschaetzt": 13,
  "gebuehren": {
    "de": "Keine Gebühr; Royalty 33 % (Foto/Vektor/Illustration), 35 % (Video).",
    "en": "No fee; royalty 33% (photo/vector/illustration), 35% (video)."
  },
  "mindestauszahlung": {
    "betrag": 25,
    "waehrung": "USD",
    "hinweis": {
      "de": "Frühestens 45 Tage nach dem ersten Verkauf.",
      "en": "Earliest 45 days after first sale."
    }
  },
  "merchant_of_record": true,
  "notes": {},
  "quellen": [
    "https://helpx.adobe.com/stock/contributor/submit-your-content/submit-generative-ai-content/generative-ai-content-guidelines.html",
    "https://helpx.adobe.com/stock/contributor/payments-earnings/royalties-pricing/royalty-rates-assets.html",
    "https://helpx.adobe.com/stock/contributor/payments-earnings/payment-taxes/payment-requirements.html",
    "https://helpx.adobe.com/ee/stock/contributor/help/uploading-content.html",
    "https://helpx.adobe.com/stock/contributor/get-started/manage-your-account/account-submission-guidelines.html",
    "https://wwwimages2.adobe.com/content/dam/cc/en/legal/servicetou/Adobe-Stock-Contributor-Agreement-en_US-20240618.pdf",
    "https://www.adobe.com/privacy/policies/adobe-stock.html",
    "https://community.adobe.com/announcements-37/new-adobe-stock-contributor-account-creation-policy-315164"
  ],
  "geprueft_am": "2026-10-10",
  "ampel": "gelb",
  "top_sperrgruende": [
    {
      "de": "Viele ähnliche/doppelte Einreichungen (Spam)",
      "en": "Many similar/duplicate submissions (spam)"
    },
    {
      "de": "Rechteverletzung (Marken, Personen, Künstlerstile)",
      "en": "Rights infringement (brands, people, artist styles)"
    }
  ],
  "hauptquelle": "https://helpx.adobe.com/stock/contributor/submit-your-content/submit-generative-ai-content/generative-ai-content-guidelines.html",
  "risk_without_plan": [
    {
      "id": "withholding_without_tax_form",
      "risiko": {
        "de": "Ohne validiertes US-Steuerformular (W-8BEN) behält Adobe automatisch den Höchstsatz von 30 % ein; ohne Formular keine Auszahlung.",
        "en": "Without a validated US tax form (W-8BEN) Adobe automatically withholds the maximum 30%; no payout without a form."
      },
      "kosten": {
        "kind": "percent_of_earnings",
        "value": 30,
        "example_usd": 7.5,
        "example_basis": "30% of the first 25 USD payout threshold"
      },
      "quelle": "https://helpx.adobe.com/stock/contributor/payments-earnings/payment-taxes/payment-requirements.html",
      "belegt": true
    },
    {
      "id": "similar_content_spam",
      "risiko": {
        "de": "Viele ähnliche/doppelte Einreichungen gelten als Spam; neue Konten haben kleine, variable Wochen-Upload-Limits.",
        "en": "Many similar/duplicate submissions count as spam; new accounts have small, variable weekly upload limits."
      },
      "kosten": {
        "kind": "account_loss"
      },
      "quelle": "https://helpx.adobe.com/stock/contributor/get-started/manage-your-account/account-submission-guidelines.html",
      "belegt": true
    },
    {
      "id": "ip_in_prompts",
      "risiko": {
        "de": "Künstlernamen, Promis, Marken in Prompts oder Metadaten führen zu Ablehnung bzw. Rechteverletzung.",
        "en": "Artist names, celebrities or brands in prompts/metadata lead to refusal or infringement."
      },
      "kosten": {
        "kind": "account_loss"
      },
      "quelle": "https://helpx.adobe.com/stock/contributor/submit-your-content/submit-generative-ai-content/generative-ai-content-guidelines.html",
      "belegt": true
    }
  ],
  "what_the_plan_adds": {
    "verfuegbar": true,
    "preis_usd": 0,
    "kostenlos": true,
    "inhalt": {
      "schritte": 9,
      "menschliche_minuten_geschaetzt": 35,
      "bot_anteil": "high (content, metadata CSV, QA); human: account, tax form, payout, submit",
      "pruefpunkte_gegen_sperrgruende": 12,
      "enthaelt": {
        "de": "Reihenfolge Bot/Mensch je Schritt, Stop-Kriterien, Prüfliste gegen Sperrgründe, Steuer-/Auszahlungshinweise (DE) mit Quellen, Kosten der ersten Woche.",
        "en": "Bot/human order per step, stop criteria, checklist against ban reasons, tax/payout notes (DE) with sources, first-week cost."
      }
    },
    "vorschau": "https://earningpaths.dev/plans/adobe-stock/preview",
    "plan_url": "https://earningpaths.dev/plans/adobe-stock",
    "was_gratis_bleibt": {
      "de": "Alle Fakten, Regeln, Sperrgründe und Quellen (get_platform, can_i_earn_here, recommend).",
      "en": "All facts, rules, ban reasons and sources (get_platform, can_i_earn_here, recommend)."
    }
  },
  "why_pay": null
}