{"schema":"https://ver.cy/schemas/card/1.0.0","id":"vr.tr.bank","code":"thing-q22687","url":"https://ver.cy/models/thing/q22687/","name":"bank","alternateNames":["Federal Reserve Bank","HDFC Bank branch","chartered bank","Bank van Lening","Sovzagranbank","large bank","international bank","Alkes Research","Policy bank","Stanbic IBTC Bank Ltd.","Mega Bank","special bank"],"kind":"thing","status":"published","version":"0.2.0-wave.1","language":"en","classifiers":{"family":"Thing Registry","category":"Society, people and institutions","entryKind":"thing","plane":"SOC","domain":["SOC.ORG"],"industry":[],"navPath":"","tags":[],"facets":{}},"whatItIs":"A financial institution licensed to accept deposits and make loans, and often to provide payments, savings and other financial services; central banks are a distinct kind with public mandates.","purpose":"Let an agent handle banks by licence, regulator, identifiers, services and deposit protection, verify legitimacy, and never move money or ask for credentials.","scope":{"in":[],"out":[],"boundaries":[]},"distinguishingFeatures":["Licensed to take deposits","Regulated and supervised","Deposits may be insured up to a limit","Central banks issue currency and set policy"],"structure":{"bundles":[{"id":"identity","name":"Identity","description":"Which bank.","layers":[{"id":"licence","name":"Licence","description":"Authorisation.","findings":[{"id":"licence-finding","name":"Licence","description":"Licence and regulator.","questions":[{"text":"Is it a licensed bank, and with which regulator?","kind":"provenance"},{"text":"What are its BIC and LEI?","kind":"provenance"}]}]},{"id":"verification","name":"Verification","description":"Genuine contact.","findings":[{"id":"verification-finding","name":"Verification","description":"How to verify contact.","questions":[{"text":"Is this website or message really from the bank?","kind":"boundary"},{"text":"Which official channel should be used instead?","kind":"action"}]}]}]},{"id":"services","name":"Services","description":"What it offers.","layers":[{"id":"products","name":"Products","description":"Accounts, loans, payments.","findings":[{"id":"products-finding","name":"Products","description":"Services offered.","questions":[{"text":"Which services does it offer?","kind":"definition"},{"text":"What fees apply?","kind":"measurement"}]}]},{"id":"access","name":"Access","description":"Branches and apps.","findings":[{"id":"access-finding","name":"Access","description":"Access channels.","questions":[{"text":"How can customers access services?","kind":"definition"},{"text":"Is support accessible?","kind":"boundary"}]}]}]},{"id":"protection","name":"Protection","description":"Safety of deposits.","layers":[{"id":"deposits","name":"Deposit protection","description":"Guarantee scheme.","findings":[{"id":"deposits-finding","name":"Deposit guarantee","description":"Protection coverage.","questions":[{"text":"Which deposit guarantee scheme covers it, up to what limit?","kind":"provenance"},{"text":"Does the limit apply per bank or per brand?","kind":"boundary"}]}]},{"id":"fraud","name":"Fraud","description":"Scams.","findings":[{"id":"fraud-finding","name":"Fraud","description":"Fraud protections.","questions":[{"text":"What should a customer do if they suspect fraud?","kind":"action"},{"text":"Must the agent ever ask for passwords or codes?","kind":"boundary"}]}]}]},{"id":"redress","name":"Redress","description":"Complaints.","layers":[{"id":"complaints","name":"Complaints","description":"Bank complaints.","findings":[{"id":"complaints-finding","name":"Complaints","description":"Complaint process.","questions":[{"text":"How is a complaint made to the bank?","kind":"action"},{"text":"Within what time must it reply?","kind":"boundary"}]}]},{"id":"ombudsman","name":"Ombudsman","description":"External redress.","findings":[{"id":"ombudsman-finding","name":"Ombudsman","description":"External redress.","questions":[{"text":"Which ombudsman handles disputes?","kind":"provenance"},{"text":"When can a customer go there?","kind":"boundary"}]}]}]}]},"agentConduct":{"may":["Report a bank's name, licence and regulator from official registers.","Help a customer understand published products and fees in general terms."],"mustNot":["Move money, open accounts or take loans on a person's behalf.","Impersonate a bank or imitate its messages.","Give personalised investment or lending advice.","Help launder money or evade sanctions."],"requiresHuman":["Any transaction or account change."]},"ethics":{"considerations":["Banks hold people's savings and access to credit; fraud and exclusion cause real hardship.","Bank impersonation is a leading route to fraud."],"affectedParties":["Customers","Depositors","People excluded from banking"]},"owners":{"steward":"Its shareholders or members own it; the banking regulator licenses and supervises it.","roles":[],"masterSystems":["Registers of licensed banks"]},"relations":[{"target":"Q1416431","type":"parent","note":"registry parent class"},{"target":"Q5260792","type":"parent","note":"registry parent class"},{"target":"Q650241","type":"parent","note":"registry parent class"},{"target":"Q6881511","type":"parent","note":"registry parent class"},{"target":"Q730038","type":"parent","note":"registry parent class"},{"target":"financial institution","type":"related","note":"intermediary"},{"target":"money","type":"related","note":"deposits"},{"target":"payment","type":"related","note":"services"},{"target":"banking supervisor","type":"related","note":"oversight"}],"interaction":{"identity":{"applicability":"required","items":["Vercy registry: vr.tr.bank","Wikidata: Q22687 (https://www.wikidata.org/wiki/Q22687)","BIC/SWIFT code: 8 or 11 characters identifies the bank","LEI: 20 characters legal entity","national bank code: country-specific such as sort codes"]},"properties":{"applicability":"not-applicable","items":[]},"recognition":{"applicability":"optional","items":["Registered name and licence number","BIC/SWIFT code for international payments","Branch addresses; impersonation sites mimic real banks","Branches, apps and websites with the bank name, licence information and security features."]},"capabilities":{"applicability":"required","items":["open accounts and deposit money","borrow and pay","verify its licence and deposit protection","complain to it and to an ombudsman"]},"hazards":{"applicability":"required","items":["Phishing and bank impersonation","Bank failures, with protection up to limits","Fraud targeting customers","Agents mishandling credentials"]},"interfaces":{"applicability":"required","items":["Basel III capital standards","EU Capital Requirements Directive and Regulation","Deposit guarantee schemes such as EU Directive 2014/49/EU","Anti-money-laundering law"]},"context":{"applicability":"required","items":["Holding deposits, lending, processing payments and supporting the economy.","commercial and retail banks","savings and cooperative banks","investment banks","central banks such as a Federal Reserve Bank","online-only banks","historical banks and pawn banks"]}},"sources":[{"title":"Wikidata item Q22687: bank","url":"https://www.wikidata.org/wiki/Q22687","note":"identity and sense of the item"},{"title":"Wikipedia: Bank","url":"https://en.wikipedia.org/wiki/Bank","note":"general description of the item"}],"openQuestions":["Should banks be instances linked to registers?","How should agents verify bank communications?","How should central banks be separated?"],"resources":{"spec":"/models/things/publications/thing-q22687/spec.json"},"provenance":{"origin":"thing registry research (pass 2)","builtFrom":["models/things/publications/thing-q22687/spec.json"],"providers":["Claude"],"researchStatus":"unreviewed","generatedAt":"2026-09-11T05:35:33Z","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 2026-10-06T19:51:57+00:00: completeness 1.00; sense: Wikidata description; 2 live sources; review by codex: pass","interaction.properties":"Plane SOC: no invented physical properties."},"score":1.0}}