{
  "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": "upwork",
    "country": "DE",
    "ai_content": true,
    "automated": true
  },
  "urteil": "nein",
  "urteil_erklaerung": {
    "de": "Nach belegten Regeln nicht möglich.",
    "en": "Not possible per documented rules."
  },
  "faktoren": [
    {
      "faktor": "ki_inhalte",
      "status": "warn",
      "text": {
        "de": "KI-Arbeit erlaubt, KI-Nutzung offenlegen, nicht als menschliche Arbeit ausgeben, wenn Kunde das ausschließt (Sekundärquelle).",
        "en": "AI work allowed; disclose AI use; don't present it as human work if client forbids AI (secondary source)."
      }
    },
    {
      "faktor": "bot_bedienung",
      "status": "block",
      "text": {
        "de": "Nicht autorisierte automatisierte Aktivität ist verboten.",
        "en": "Unauthorised automated activity prohibited."
      }
    },
    {
      "faktor": "land",
      "status": "ok",
      "text": {
        "de": "Direct to Local Bank in EUR für DE verfügbar.",
        "en": "Direct to Local Bank in EUR available for DE."
      }
    },
    {
      "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": "Profil anlegen und Identität verifizieren (ggf. Live-Videocall)",
        "en": "Create profile and verify identity (possibly live video call)"
      },
      "minuten": 30,
      "minuten_geschaetzt": true
    }
  ],
  "menschliche_minuten_geschaetzt": 30,
  "gebuehren": {
    "de": "Variable Servicegebühr 0–15 % pro Vertrag.",
    "en": "Variable service fee 0–15% per contract."
  },
  "mindestauszahlung": {
    "betrag": 5,
    "waehrung": "USD",
    "hinweis": {
      "de": "Direct to Local Bank ab 5 USD (0,99 USD Gebühr); Direct to U.S. Bank: kostenlos mit US-Steueradresse, sonst seit 1.9.2026 2,99 USD je Auszahlung; manuelle Auszahlung jedes Betrags; 100 USD nur Standard für automatische Auszahlung.",
      "en": "Direct to Local Bank from 5 USD (0.99 USD fee); Direct to U.S. Bank: free with a US tax address, otherwise 2.99 USD per withdrawal since 2026-09-01; manual withdrawal of any amount; 100 USD only default for scheduled payouts."
    }
  },
  "merchant_of_record": false,
  "notes": {},
  "quellen": [
    "https://support.upwork.com/hc/en-us/articles/211062538-Learn-about-the-Freelancer-Service-Fee",
    "https://support.upwork.com/hc/en-us/articles/211067788-Location-and-government-ID-verification",
    "https://www.freelancefilter.com/upwork-freelancer-terms-of-service-2026",
    "https://support.upwork.com/hc/article_attachments/49240410937491",
    "https://support.upwork.com/hc/en-us/articles/211060578-What-are-the-fees-limits-and-timing-of-Direct-to-Local-Bank-payments",
    "https://support.upwork.com/hc/en-us/articles/39695098084371-Understanding-Upwork-s-Withdrawal-Options-and-the-100-Minimum",
    "https://support.upwork.com/hc/en-us/articles/211061278-Value-Added-Tax-VAT-on-Freelancer-Fees",
    "https://support.upwork.com/hc/en-us/articles/227022468-Direct-to-U-S-Bank-timing-and-fees-explained",
    "https://support.upwork.com/hc/en-us/articles/211060918-How-to-get-paid-on-Upwork"
  ],
  "geprueft_am": "2026-10-10",
  "ampel": "rot",
  "top_sperrgruende": [
    {
      "de": "Unerlaubte Automatisierung",
      "en": "Unauthorised automation"
    },
    {
      "de": "Fehlgeschlagene Identitätsprüfung",
      "en": "Failed identity verification"
    }
  ],
  "hauptquelle": "https://support.upwork.com/hc/en-us/articles/211062538-Learn-about-the-Freelancer-Service-Fee",
  "risk_without_plan": [
    {
      "id": "sperrgrund_1",
      "risiko": {
        "de": "Unerlaubte Automatisierung",
        "en": "Unauthorised automation"
      },
      "kosten": {
        "kind": "account_risk"
      },
      "quelle": "https://support.upwork.com/hc/en-us/articles/211062538-Learn-about-the-Freelancer-Service-Fee",
      "belegt": true,
      "hinweis": {
        "de": "Quelle = Plattform-Quellenliste, nicht einzeln zugeordnet.",
        "en": "Source = platform source list, not mapped individually."
      }
    },
    {
      "id": "sperrgrund_2",
      "risiko": {
        "de": "Fehlgeschlagene Identitätsprüfung",
        "en": "Failed identity verification"
      },
      "kosten": {
        "kind": "account_risk"
      },
      "quelle": "https://support.upwork.com/hc/en-us/articles/211062538-Learn-about-the-Freelancer-Service-Fee",
      "belegt": true,
      "hinweis": {
        "de": "Quelle = Plattform-Quellenliste, nicht einzeln zugeordnet.",
        "en": "Source = platform source list, not mapped individually."
      }
    }
  ],
  "what_the_plan_adds": {
    "verfuegbar": false,
    "grund": {
      "de": "Für diese Plattform gibt es (noch) keinen Plan. Alle Fakten sind kostenlos über get_platform verfügbar.",
      "en": "No plan for this platform (yet). All facts are free via get_platform."
    }
  },
  "why_pay": null
}