{"schema":"https://ver.cy/schemas/card/1.0.0","id":"vr.tr.balance-possession","code":"thing-balance-possession","url":"https://ver.cy/models/thing/balance-possession/","name":"balance","alternateNames":["balance of trade","trade balance","visible balance","trade gap","carry-over","carry-forward","compensating balance","offsetting balance","invisible balance","negative balance","debit balance","credit balance"],"kind":"thing","status":"published","version":"0.2.0-wave.1","language":"en","classifiers":{"family":"Thing Registry","category":"Society, people and institutions","entryKind":"noun.possession","plane":"SOC","domain":["SOC.ECO"],"industry":[],"navPath":"","tags":[],"facets":{"substance":"social","origin":"conceptual","agency":"inert","mobility":"not-applicable","scale":"not-applicable","affordances":["observable"]}},"whatItIs":"The difference between the totals of the credit and debit sides of an account, such as a bank balance, an account balance carried forward, or at national level the balance of trade.","purpose":"Let an agent explain balances factually by account type, calculation, reconciliation and interpretation, without personal financial advice.","scope":{"in":[],"out":[],"boundaries":[]},"distinguishingFeatures":["Difference between credits and debits","Positive or negative","Carried between periods","Trade balance is a macro sense"],"structure":{"bundles":[{"id":"account","name":"Account","description":"Which balance.","layers":[{"id":"type","name":"Type","description":"Bank, ledger, trade.","findings":[{"id":"type-finding","name":"Type","description":"Balance type.","questions":[{"text":"Which kind of balance is meant?","kind":"definition"},{"text":"For which account and date?","kind":"provenance"}]}]},{"id":"calculation","name":"Calculation","description":"Credits minus debits.","findings":[{"id":"calculation-finding","name":"Calculation","description":"Calculation.","questions":[{"text":"How is the balance calculated?","kind":"definition"},{"text":"Does it include pending items?","kind":"boundary"}]}]}]},{"id":"reconciliation","name":"Reconciliation","description":"Checking.","layers":[{"id":"reconcile","name":"Reconcile","description":"Match records.","findings":[{"id":"reconcile-finding","name":"Reconcile","description":"Reconciliation.","questions":[{"text":"Does the balance agree with independent records?","kind":"boundary"},{"text":"What explains differences?","kind":"definition"}]}]},{"id":"carry-forward","name":"Carry-forward","description":"Periods.","findings":[{"id":"carry-forward-finding","name":"Carry-forward","description":"Carry-forward.","questions":[{"text":"Was the balance carried forward correctly?","kind":"boundary"},{"text":"From which period?","kind":"provenance"}]}]}]},{"id":"trade","name":"Trade","description":"National balance.","layers":[{"id":"figures","name":"Figures","description":"Statistics.","findings":[{"id":"figures-finding","name":"Figures","description":"Trade figures.","questions":[{"text":"What is the trade balance, according to the statistical office?","kind":"measurement"},{"text":"Goods, services or both?","kind":"definition"}]}]},{"id":"interpretation","name":"Interpretation","description":"Meaning.","findings":[{"id":"interpretation-finding","name":"Interpretation","description":"Interpretation.","questions":[{"text":"What does a deficit or surplus mean in context?","kind":"provenance"},{"text":"Are views attributed?","kind":"boundary"}]}]}]},{"id":"limits","name":"Limits","description":"Advice and senses.","layers":[{"id":"advice","name":"Advice","description":"No personal advice.","findings":[{"id":"advice-finding","name":"Advice","description":"Advice limit.","questions":[{"text":"Is the user asking what to do about their own balance?","kind":"boundary"},{"text":"Where can free money advice be found?","kind":"action"}]}]},{"id":"senses","name":"Senses","description":"Equilibrium.","findings":[{"id":"senses-finding","name":"Senses","description":"Other senses.","questions":[{"text":"Is physical balance or a weighing balance meant?","kind":"boundary"},{"text":"Which entry fits?","kind":"action"}]}]}]}]},"agentConduct":{"may":["Report an account balance to the account holder or someone they authorized.","Reconcile balances and flag discrepancies for the bookkeeper."],"mustNot":["Reveal a person's balance to anyone not authorized to see it.","Alter a recorded balance or post entries to make it look different from what it is.","Move funds to change a balance without the holder's instruction.","Present a balance figure without its date and currency."],"requiresHuman":["Correcting a balance in an official ledger or bank record.","Acting on an unexplained balance that may indicate fraud."]},"ethics":{"considerations":["Balances reveal a person's or firm's financial position and must stay private.","Falsified balances deceive creditors, investors and tax authorities."],"affectedParties":["Account holders","Creditors and investors","Auditors"]},"owners":{"steward":"The account holder; the bank or bookkeeper keeps the authoritative record.","roles":[],"masterSystems":["Bank and accounting ledgers"]},"relations":[{"target":"oewn-13751346-n","type":"parent","note":"registry parent class"},{"target":"amount of money","type":"related","note":"category"},{"target":"account statement","type":"related","note":"document"},{"target":"account","type":"related","note":"record"},{"target":"balance (equilibrium)","type":"related","note":"another sense"}],"interaction":{"identity":{"applicability":"required","items":["Vercy registry: vr.tr.balance-possession","Open English WordNet: oewn-13430333-n"]},"properties":{"applicability":"not-applicable","items":[]},"recognition":{"applicability":"optional","items":["Credit and debit totals","Carried-forward balances","Trade balance in national statistics","Figures on statements, ledgers and statistical tables."]},"capabilities":{"applicability":"required","items":["compute an account balance","reconcile balances","interpret trade balance statistics","understand carry-forward balances"]},"hazards":{"applicability":"required","items":["Pending transactions not reflected","Misreading trade deficits as losses","Personal financial advice by an agent"]},"interfaces":{"applicability":"required","items":["Accounting standards","IMF Balance of Payments Manual (BPM6)"]},"context":{"applicability":"required","items":["Knowing what is owed or held and tracking trade positions.","bank account balances","ledger balances","carry-forward balances","balance of trade","balance of payments components"]}},"sources":[{"title":"Open English WordNet 2024, synset oewn-13430333-n","url":"https://en-word.net/id/oewn-13430333-n","note":"sense and gloss of the concept"},{"title":"Wiktionary: balance","url":"https://en.wiktionary.org/wiki/balance","note":"word senses and usage"}],"openQuestions":["Should trade balance be a separate entry?","How should reconciliation guidance be linked?","How should other senses be split off?"],"resources":{"spec":"/models/things/publications/thing-balance-possession/spec.json"},"provenance":{"origin":"thing registry research (pass 2)","builtFrom":["models/things/publications/thing-balance-possession/spec.json"],"providers":["Claude"],"researchStatus":"unreviewed","generatedAt":"2026-09-11T09:00:24Z","builder":"tools/build_cards.py@1.0.0"},"completeness":{"sections":{"classifiers":"filled","whatItIs":"filled","purpose":"filled","distinguishingFeatures":"filled","structure":"filled","agentConduct":"filled","ethics":"filled","owners":"filled","relations":"filled","interaction.identity":"filled","interaction.properties":"not-applicable","interaction.recognition":"filled","interaction.capabilities":"filled","interaction.hazards":"filled","interaction.interfaces":"filled","interaction.context":"filled","sources":"filled"},"notes":{"_gate":"Published through the thing publication gate 1.0 on 2026-10-07T12:16:27+00:00: completeness 1.00; sense: WordNet gloss; 2 live sources; review by codex: pass","interaction.properties":"Plane SOC: no invented physical properties."},"score":1.0}}