{"schema":"https://ver.cy/schemas/card/1.0.0","id":"vr.tr.money","code":"thing-money","url":"https://ver.cy/models/thing/money/","name":"money","alternateNames":["appropriation","pork barrel","pork","fund","monetary fund","mutual fund","exchange traded fund","ETF","index fund","revolving fund","sinking fund","savings"],"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":"Anything generally accepted as a medium of exchange, a unit of account and a store of value, most commonly the currency issued or recognised by a state as legal tender, together with bank deposits.","purpose":"Let an agent handle money through currency, amount, holder and the rules that govern it, with any movement requiring the holder's explicit authorization and human involvement, and without giving personalised financial advice.","scope":{"in":[],"out":[],"boundaries":[]},"distinguishingFeatures":["Legal tender status is defined by law for particular forms","Most money exists as bank deposits, not cash","Value is relative and changes with inflation and exchange rates","Crypto-assets are not legal tender in most jurisdictions"],"structure":{"bundles":[{"id":"form-and-currency","name":"Form and currency","description":"What money and which currency.","layers":[{"id":"currency","name":"Currency","description":"Currency and code.","findings":[{"id":"currency-finding","name":"Currency identified","description":"The currency and its code.","questions":[{"text":"In which currency is this amount, by ISO 4217 code?","kind":"definition"},{"text":"Is conversion needed, at which rate and date?","kind":"measurement"}]}]},{"id":"form","name":"Form","description":"Cash, deposit, e-money.","findings":[{"id":"form-finding","name":"Form of money","description":"The form it takes.","questions":[{"text":"In what form is the money held?","kind":"definition"},{"text":"What protection applies to that form, such as deposit insurance?","kind":"boundary"}]}]}]},{"id":"value","name":"Value","description":"What it buys.","layers":[{"id":"inflation","name":"Inflation","description":"Change in purchasing power.","findings":[{"id":"inflation-finding","name":"Price index","description":"The index used to adjust.","questions":[{"text":"Which price index adjusts this amount over time?","kind":"measurement"},{"text":"What was its purchasing power at the relevant date?","kind":"measurement"}]}]},{"id":"exchange","name":"Exchange rates","description":"Conversion between currencies.","findings":[{"id":"exchange-finding","name":"Rate source","description":"The rate and its source.","questions":[{"text":"Which exchange rate applies, from which source and time?","kind":"provenance"},{"text":"What fees affect the effective rate?","kind":"measurement"}]}]}]},{"id":"rules","name":"Rules","description":"Law governing money.","layers":[{"id":"legal-tender","name":"Legal tender","description":"What must be accepted.","findings":[{"id":"legal-tender-finding","name":"Legal tender rules","description":"Which forms are legal tender.","questions":[{"text":"Which forms are legal tender here?","kind":"definition"},{"text":"Can a business refuse cash?","kind":"boundary"}]}]},{"id":"aml","name":"Anti-money-laundering","description":"Reporting and checks.","findings":[{"id":"aml-finding","name":"AML obligations","description":"The checks and reporting duties.","questions":[{"text":"Which reporting thresholds and checks apply?","kind":"boundary"},{"text":"What must an agent never help do?","kind":"boundary"}]}]}]},{"id":"authenticity-and-safety","name":"Authenticity and safety","description":"Real money, safely held.","layers":[{"id":"counterfeit","name":"Counterfeits","description":"Checking notes and coins.","findings":[{"id":"counterfeit-finding","name":"Security features","description":"How to check authenticity.","questions":[{"text":"How can this note be checked for authenticity?","kind":"action"},{"text":"What should be done with a suspected counterfeit?","kind":"action"}]}]},{"id":"scams","name":"Scams","description":"Fraud targeting money.","findings":[{"id":"scams-finding","name":"Fraud signals","description":"Signals of fraud.","questions":[{"text":"Does this request show signs of a scam?","kind":"boundary"},{"text":"Who should be contacted?","kind":"action"}]}]}]}]},"agentConduct":{"may":["Explain what money is and how currencies, deposits and exchange rates work, citing sources.","Report amounts with their currency and date so they are not confused."],"mustNot":["Help counterfeit currency or launder money.","Move or spend a person's money without their explicit authorization.","Present an amount without its currency where confusion is likely.","Mislead people about the value or safety of where their money is held."],"requiresHuman":["Any transfer, exchange or investment of a person's money.","Freezing or blocking someone's access to their funds."]},"ethics":{"considerations":["Money mediates access to food, housing and care; errors and fraud hurt the poorest most.","Inflation and access to banking shape who can save and who cannot."],"affectedParties":["Holders and savers","People without access to banking","Victims of fraud"]},"owners":{"steward":"The issuing state and its central bank for currency; banks for deposits they hold.","roles":[],"masterSystems":["Central bank and bank account records"]},"relations":[{"target":"oewn-13394134-n","type":"parent","note":"registry parent class"},{"target":"payment","type":"related","note":"payments move money"},{"target":"central bank","type":"related","note":"currency issuance"},{"target":"currency unit","type":"related","note":"ISO 4217 codes"},{"target":"wealth","type":"related","note":"money is one form of wealth"}],"interaction":{"identity":{"applicability":"required","items":["Vercy registry: vr.tr.money","Open English WordNet: oewn-13405730-n","ISO 4217 currency code: three letters, such as EUR identifies currencies"]},"properties":{"applicability":"not-applicable","items":[]},"recognition":{"applicability":"optional","items":["Banknotes with security features: watermarks, threads, holograms","Coins with issuer marks","Account balances with currency codes such as EUR or USD","Banknotes and coins, and balances shown in bank accounts, cards and apps."]},"capabilities":{"applicability":"required","items":["pay and receive it","hold it, as cash or as deposits","convert it between currencies","measure prices and accounts in it"]},"hazards":{"applicability":"required","items":["Counterfeits","Fraud and scams","Inflation eroding value","Currency confusion in amounts"]},"interfaces":{"applicability":"required","items":["Central bank laws and legal tender statutes","Anti-money-laundering law","ISO 4217 currency codes","Counterfeiting law"]},"context":{"applicability":"required","items":["Paying for goods and services, settling debts, measuring value and saving.","cash: banknotes and coins","deposit money","central bank reserves","electronic money","foreign currency","funds held for a purpose, such as appropriations"]}},"sources":[{"title":"Open English WordNet 2024, synset oewn-13405730-n","url":"https://en-word.net/id/oewn-13405730-n","note":"sense and gloss of the concept"},{"title":"Wiktionary: money","url":"https://en.wiktionary.org/wiki/money","note":"word senses and usage"}],"openQuestions":["Should cash, deposits and e-money be separate entries?","How should funds and appropriations, merged here as aliases, be split off?","How should agents state amounts so the currency is never ambiguous?"],"resources":{"spec":"/models/things/publications/thing-money/spec.json"},"provenance":{"origin":"thing registry research (pass 2)","builtFrom":["models/things/publications/thing-money/spec.json"],"providers":["Claude"],"researchStatus":"unreviewed","generatedAt":"2026-09-11T04:36:02Z","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 2026-10-08T18:54:35+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}}