{"schema":"https://ver.cy/schemas/card/1.0.0","id":"vr.tr.draft","code":"thing-draft","url":"https://ver.cy/models/thing/draft/","name":"draft","alternateNames":["bill of exchange","order of payment","overdraft","foreign bill","foreign draft","inland bill","redraft","trade acceptance","bank draft","banker's draft","dividend warrant","money order"],"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":["document"],"facets":{"substance":"social","origin":"conceptual","agency":"inert","mobility":"not-applicable","scale":"not-applicable","affordances":["readable"]}},"whatItIs":"A written order to pay money, drawn by one person or bank on another, such as a bank draft or bill of exchange; distinct from an overdraft, which is credit on an account.","purpose":"Let an agent handle drafts as payment instruments by type, parties, amount, validity and fraud risk, with no personal financial advice.","scope":{"in":[],"out":[],"boundaries":[]},"distinguishingFeatures":["Order to pay","Bank drafts are drawn on the bank itself","Bills of exchange can be sight or time","Frequent target of counterfeit fraud"],"structure":{"bundles":[{"id":"instrument","name":"Instrument","description":"Which draft.","layers":[{"id":"type","name":"Type","description":"Bank draft or bill.","findings":[{"id":"type-finding","name":"Type","description":"Draft type.","questions":[{"text":"Is it a bank draft or a bill of exchange?","kind":"definition"},{"text":"Sight or time?","kind":"definition"}]}]},{"id":"parties","name":"Parties","description":"Drawer, drawee, payee.","findings":[{"id":"parties-finding","name":"Parties","description":"Parties.","questions":[{"text":"Who are the drawer, drawee and payee?","kind":"provenance"},{"text":"What amount and currency?","kind":"measurement"}]}]}]},{"id":"validity","name":"Validity","description":"Is it genuine.","layers":[{"id":"verification","name":"Verification","description":"Bank check.","findings":[{"id":"verification-finding","name":"Verification","description":"Verification.","questions":[{"text":"Has the issuing bank confirmed the draft, using independently found contact details?","kind":"provenance"},{"text":"Has it cleared?","kind":"provenance"}]}]},{"id":"red-flags","name":"Red flags","description":"Scams.","findings":[{"id":"red-flags-finding","name":"Red flags","description":"Scam signs.","questions":[{"text":"Is someone asking for a refund of an overpayment by draft?","kind":"boundary"},{"text":"Where can fraud be reported?","kind":"action"}]}]}]},{"id":"use","name":"Use","description":"Payment.","layers":[{"id":"issuing","name":"Issuing","description":"Getting a draft.","findings":[{"id":"issuing-finding","name":"Issuing","description":"Issuing.","questions":[{"text":"How is a bank draft obtained, and at what fee?","kind":"action"},{"text":"How long is it valid?","kind":"measurement"}]}]},{"id":"trade","name":"Trade","description":"Bills in trade.","findings":[{"id":"trade-finding","name":"Trade","description":"Trade use.","questions":[{"text":"How are bills of exchange used in trade finance?","kind":"definition"},{"text":"Under which rules?","kind":"provenance"}]}]}]},{"id":"limits","name":"Limits","description":"No advice.","layers":[{"id":"advice","name":"Advice","description":"Boundary.","findings":[{"id":"advice-finding","name":"Advice","description":"Advice limit.","questions":[{"text":"Is the user asking for personal financial advice?","kind":"boundary"},{"text":"How should the agent respond?","kind":"action"}]}]},{"id":"senses","name":"Senses","description":"Disambiguation.","findings":[{"id":"senses-finding","name":"Senses","description":"Other senses.","questions":[{"text":"Is an overdraft, a document draft or military conscription meant?","kind":"boundary"},{"text":"Which entry fits?","kind":"action"}]}]}]}]},"agentConduct":{"may":["Explain what a bank draft or bill of exchange is and how it differs from an overdraft.","Help a user check that a draft was issued by a genuine bank through official channels."],"mustNot":["Issue, accept or present a draft without the account holder's authority.","Forge, alter or help pass a fraudulent draft.","Treat a draft as cleared funds before the issuing bank confirms it."],"requiresHuman":["Any payment, endorsement or acceptance of a draft."]},"ethics":{"considerations":["Counterfeit drafts are a common tool of fraud against sellers."],"affectedParties":["Payees and sellers","Account holders","Issuing banks"]},"owners":{"steward":"The drawer and the bank that issued it; the payee once it is delivered.","roles":[],"masterSystems":[]},"relations":[{"target":"oewn-06492827-n","type":"parent","note":"registry parent class"},{"target":"payment instrument","type":"related","note":"category"},{"target":"bank","type":"related","note":"issuer"},{"target":"cheque","type":"related","note":"instrument"},{"target":"overdraft","type":"related","note":"credit"}],"interaction":{"identity":{"applicability":"required","items":["Vercy registry: vr.tr.draft","Open English WordNet: oewn-13398441-n"]},"properties":{"applicability":"not-applicable","items":[]},"recognition":{"applicability":"optional","items":["Bank name and draft number","Drawer, drawee and payee","Overdraft and document draft are other senses","A printed or electronic payment order naming drawer, drawee, payee and amount."]},"capabilities":{"applicability":"required","items":["issue or request a bank draft","accept or endorse a bill of exchange","verify authenticity with the issuing bank","present for payment"]},"hazards":{"applicability":"required","items":["Counterfeit bank drafts in scams","Paying out before clearance","Confusing senses"]},"interfaces":{"applicability":"required","items":["Geneva Uniform Law on Bills of Exchange (1930)","UK Bills of Exchange Act 1882","UCP 600 for documentary collections and credits"]},"context":{"applicability":"required","items":["Guaranteed or deferred payment, especially in trade.","bank drafts","bills of exchange","sight and time drafts","foreign and inland bills","demand drafts"]}},"sources":[{"title":"Open English WordNet 2024, synset oewn-13398441-n","url":"https://en-word.net/id/oewn-13398441-n","note":"sense and gloss of the concept"},{"title":"Wiktionary: draft","url":"https://en.wiktionary.org/wiki/draft","note":"word senses and usage"}],"openQuestions":["Should bank drafts and bills of exchange be separate entries?","How should the document-draft sense be split off?","How should fraud warnings be kept current?"],"resources":{"spec":"/models/things/publications/thing-draft/spec.json"},"provenance":{"origin":"thing registry research (pass 2)","builtFrom":["models/things/publications/thing-draft/spec.json"],"providers":["Claude"],"researchStatus":"unreviewed","generatedAt":"2026-09-11T07:03:19Z","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}}