{ "model": { "rank": 17432, "code": "thing-q157963", "model_id": "vr.tr.savings-bank", "name": "savings bank", "purpose": "Let an agent explain savings banks and their origins and forms, describe their role in retail banking and regional economies, describe regulation and consolidation, and support historical and institutional questions without personal financial advice.", "family": "Thing Registry", "category": "Society, people and institutions", "status": "research-draft", "kind": "thing", "plane": "SOC", "domain": "SOC.ORG", "industry": "", "version": "", "url": "/models/thing/q157963/", "tier": 2, "score": 31, "payload": { "layer": "wikidata", "aliases": [ "school saving bank", "Sparbank", "state savings bank", "Sparkasse", "nutsspaarbank", "sparebank", "postal bank", "worker's savings bank", "penny saving bank", "postal savings system", "Sberkassa" ], "aliasCount": 11, "merged": 11, "knownIn": 31, "facets": null, "markers": [], "lexicalClass": "", "senseRank": null, "alsoRegisteredAs": "vr.tr.savings-bank", "source": { "dataset": "wikidata", "item": "Q157963", "url": "https://www.wikidata.org/wiki/Q157963", "license": "CC0 1.0" } }, "research": { "vercy": "1.0-draft", "publication": { "status": "research-draft", "adjudicationStatus": "unreviewed", "publishableCanonical": false, "generatedAt": "2026-09-12T04:49:18Z", "providers": [ "Claude" ], "breadth": "written by Claude from model knowledge without web access - no source was read, every claim is a lead to verify", "pass": 2, "wave": 2, "engine": "claude" }, "metaModel": { "id": "THING-Q157963", "registryId": "vr.tr.savings-bank", "name": "savings bank", "version": "0.2.0-wave.2", "entryKind": "thing", "family": "Thing Registry", "domain": [ "SOC.ORG" ], "status": "research-draft" }, "canonicalUrl": "https://ver.cy/models/thing/q157963/", "model": { "registry_id": "vr.tr.savings-bank", "name": "savings bank", "purpose": "Let an agent explain savings banks and their origins and forms, describe their role in retail banking and regional economies, describe regulation and consolidation, and support historical and institutional questions without personal financial advice.", "definition": "A financial institution originally established to encourage thrift by accepting small deposits from the public and paying interest, often founded by municipalities, charities or cooperatives in the nineteenth century, such as the German Sparkassen, Scandinavian sparebanker and Dutch nutsspaarbanken, state savings banks and postal and school savings banks; savings banks have evolved into full retail banks in many countries while retaining regional focus and public or mutual ownership.", "what_it_is_for": "Thrift-oriented deposit institutions.", "affordances": [ "explain origins and forms", "describe their role", "describe regulation", "support institutional questions" ], "distinguishing_features": [ "Thrift mission", "Public or mutual ownership", "Regional focus", "Retail banking" ], "appearance": "Not physical; institutions with branches.", "visual_identification": [ "Deposit institution founded for thrift", "Municipal, mutual, state and postal forms", "Commercial banks are profit-driven; credit unions are member cooperatives" ], "physical_properties": [], "families_and_kinds": [ "municipal savings banks such as Sparkassen", "mutual and trustee savings banks", "state and postal savings banks", "school savings banks", "converted savings banks" ], "related_models": [ { "relation": "is a kind of", "target": "bank", "why": "category" }, { "relation": "is a kind of", "target": "credit institution", "why": "category" }, { "relation": "is a kind of", "target": "public enterprise", "why": "category" }, { "relation": "is related to", "target": "interest", "why": "interest paid on deposits" } ], "identifiers": [], "standards_and_regulation": [ "Banking regulation and deposit insurance", "Savings bank laws in specific countries", "Cooperative and public ownership rules" ], "failure_modes_and_hazards": [ "Agents giving personal financial advice", "Confusing savings banks with commercial banks", "Outdated institutional information after mergers" ], "in_scope": [], "out_of_scope": [], "characteristics": [] }, "sources": [], "structure": { "bundles": [ { "id": "understand", "name": "Understand", "description": "What savings banks are.", "rationale": "Finance.", "layers": [ { "id": "concept", "name": "Concept", "description": "Concept and forms.", "findings": [ { "id": "concept-finding", "name": "Concept", "description": "Concept.", "questions": [ { "text": "What is a savings bank, and how do municipal, mutual, state, postal and school forms differ?", "kind": "definition" }, { "text": "Which country or system is meant?", "kind": "boundary" } ] } ] }, { "id": "role", "name": "Role", "description": "Role in banking.", "findings": [ { "id": "role-finding", "name": "Role", "description": "Role.", "questions": [ { "text": "What role do savings banks play in retail banking and regional economies today?", "kind": "provenance" }, { "text": "Which entry fits a specific system such as Sparkassen?", "kind": "action" } ] } ] } ] }, { "id": "use", "name": "Use", "description": "Using savings banks.", "rationale": "General information.", "layers": [ { "id": "services", "name": "Services", "description": "Services.", "findings": [ { "id": "services-finding", "name": "Services", "description": "Services.", "questions": [ { "text": "What services do savings banks offer, in general terms?", "kind": "provenance" }, { "text": "Is the user asking for personal financial advice, which needs a professional?", "kind": "boundary" } ] } ] }, { "id": "protection", "name": "Protection", "description": "Deposit protection.", "findings": [ { "id": "protection-finding", "name": "Protection", "description": "Protection.", "questions": [ { "text": "How are deposits protected, and how are savings banks supervised?", "kind": "provenance" }, { "text": "Which entry fits deposit insurance?", "kind": "action" } ] } ] } ] }, { "id": "sector", "name": "Sector", "description": "Sector and regulation.", "rationale": "Policy.", "layers": [ { "id": "regulation", "name": "Regulation", "description": "Regulation.", "findings": [ { "id": "regulation-finding", "name": "Regulation", "description": "Regulation.", "questions": [ { "text": "How are savings banks regulated, and what laws govern their ownership and mission?", "kind": "provenance" }, { "text": "Which entry fits banking regulation?", "kind": "action" } ] } ] }, { "id": "change", "name": "Change", "description": "Consolidation and conversion.", "findings": [ { "id": "change-finding", "name": "Change", "description": "Change.", "questions": [ { "text": "How have savings banks merged, converted or been privatised, and what debates surround this, with positions attributed?", "kind": "provenance" }, { "text": "Is the presentation neutral?", "kind": "boundary" } ] } ] } ] }, { "id": "learn", "name": "Learn", "description": "History and teaching.", "rationale": "Education.", "layers": [ { "id": "history", "name": "History", "description": "History.", "findings": [ { "id": "history-finding", "name": "History", "description": "History.", "questions": [ { "text": "How did savings banks originate in the thrift movement of the eighteenth and nineteenth centuries?", "kind": "provenance" }, { "text": "Which references are standard?", "kind": "provenance" } ] } ] }, { "id": "teach", "name": "Teach", "description": "Teaching.", "findings": [ { "id": "teach-finding", "name": "Teach", "description": "Teaching.", "questions": [ { "text": "How can savings banks be taught in financial history and education?", "kind": "action" }, { "text": "Which misconceptions arise?", "kind": "provenance" } ] } ] } ] } ] }, "openQuestions": [ "Should national savings bank systems be separate entries?", "How should regulators be linked?", "How should banking history be linked?" ], "statistics": { "bundles": 4, "layers": 8, "findings": 8, "questions": 16 } }, "draft": { "generator": "vr.draft.v3", "status": "draft-generated", "researched": false, "archetype": "organisation or institution", "method": "Written from the archetype playbook - what this kind of thing needs beyond identity and provenance - and from the structure that recurred across 6,333 models already researched by two engines. Applied to this entry by rule. No source was read for this thing and no claim here is researched. This entry carries no facets of its own, so they were inferred from its domain - a guess about a whole domain applied to one thing.", "facetsInferred": true, "nextPass": "A researcher replaces this draft with a sourced specification. Treat every sentence below as a proposal to argue with.", "purpose": "Give an agent a durable, checkable way to recognise a savings bank, record what state it is in, and decide what may be done with it.", "whatItIs": "Let an agent explain savings banks and their origins and forms, describe their role in retail banking and regional economies, describe regulation and consolidation, and support historical and institutional questions without personal financial advice.", "characteristics": { "substance": "social", "origin": "conceptual", "agency": "collective" }, "whatYouCanDoWithIt": [ "observed and measured" ], "distinguishingFeatures": [ "Names folded into this entry, which a task may need to split apart again: school saving bank, Sparbank, state savings bank, Sparkasse, nutsspaarbank, sparebank, postal bank, worker's savings bank, penny saving bank, postal savings system, Sberkassa.", "11 finer distinctions are held as aliases rather than separate entries, because telling them apart needs a task that asks for it.", "Described in 31 Wikipedia languages, which is a measure of how widely the thing is known, not of how important it is." ], "openQuestionsForResearch": [ "Which of the bundles below does a real task actually need, and which are ceremony?", "What does this thing have that the facets do not capture at all?", "Which neighbouring kind is most often confused with a savings bank, and on what evidence are they told apart?" ], "whatItIsMadeOf": "a social arrangement between people", "physicalCharacter": [ "Acts through people, and only through them.", "These come from the domain this entry sits in rather than from the entry itself, so treat them as a first guess about the whole domain applied to one thing." ], "whatCanBeDoneWithIt": [ "observe it, measure it, record its state" ], "howItIsRecognised": [ "Nothing to see. Recognised by name, register entry and the people acting in its name, and those change while it stays the same body." ], "relatedModels": [ { "relation": "covers", "note": "Finer kinds folded into this entry because telling them apart needs a task that asks for it. Each is a model waiting to be split out when one does.", "targets": [ "school saving bank", "Sparbank", "state savings bank", "Sparkasse", "nutsspaarbank", "sparebank", "postal bank", "worker's savings bank", "penny saving bank", "postal savings system", "Sberkassa" ] } ], "standing": "Described in 31 Wikipedia languages, which measures how widely it is written about rather than how important or how common it is. 11 finer distinctions are held inside this entry as names rather than as separate models.", "structure": { "bundles": [ { "id": "identity-and-classification", "name": "Identity, naming and classification", "description": "How an agent tells one savings bank from another, and a savings bank from things that resemble it.", "rationale": "Recognition comes before every other claim. Without stable identity nothing else in the model can be trusted to be about the same thing twice.", "layers": [ { "id": "naming-and-identifiers", "name": "Names and identifiers", "description": "The names this thing goes by and the identifiers that survive translation and time.", "findings": [ { "id": "preferred-name-and-aliases", "name": "Preferred name, aliases and local names", "description": "Which name to use, which names mean the same thing, and which merely sound similar.", "questions": [ { "id": "preferred-name-and-aliases-q01", "text": "What identifies and describes the name of a savings bank, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "preferred-name-and-aliases-q02", "text": "Who or what asserted this about the name of a savings bank, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "preferred-name-and-aliases-q03", "text": "What may an agent decide or do once the name of a savings bank is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] }, { "id": "stable-identifiers", "name": "Stable identifiers and external keys", "description": "Identifiers that keep pointing at this kind of thing across systems and languages.", "questions": [ { "id": "stable-identifiers-q01", "text": "What identifies and describes an identifier for a savings bank, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "stable-identifiers-q02", "text": "Who or what asserted this about an identifier for a savings bank, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "stable-identifiers-q03", "text": "What may an agent decide or do once an identifier for a savings bank is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] }, { "id": "classification-and-granularity", "name": "Classification and granularity", "description": "Where a savings bank sits among kinds, and how finely a task needs to cut it.", "findings": [ { "id": "kind-and-parents", "name": "Kind, parents and neighbouring kinds", "description": "The classes this thing belongs to and the ones it is next to.", "questions": [ { "id": "kind-and-parents-q01", "text": "What identifies and describes the kind of a savings bank, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "kind-and-parents-q02", "text": "Who or what asserted this about the kind of a savings bank, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "kind-and-parents-q03", "text": "What may an agent decide or do once the kind of a savings bank is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] }, { "id": "distinguishing-features", "name": "Distinguishing features", "description": "What separates a savings bank from the things most often confused with it.", "questions": [ { "id": "distinguishing-features-q01", "text": "What identifies and describes what distinguishes a savings bank, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "distinguishing-features-q02", "text": "Who or what asserted this about what distinguishes a savings bank, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "distinguishing-features-q03", "text": "What may an agent decide or do once what distinguishes a savings bank is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] } ] }, { "id": "state-and-lifecycle", "name": "State and lifecycle", "description": "The states a savings bank passes through and the events that move it between them.", "rationale": "Most decisions about a thing depend on what state it is in now, which is a claim with a time on it, not a property.", "layers": [ { "id": "lifecycle-stages", "name": "Lifecycle stages", "description": "From coming into existence to ceasing to be one of these.", "findings": [ { "id": "stages-and-transitions", "name": "Stages and transitions", "description": "The stages worth naming and what moves a savings bank between them.", "questions": [ { "id": "stages-and-transitions-q01", "text": "What identifies and describes the lifecycle of a savings bank, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "stages-and-transitions-q02", "text": "Who or what asserted this about the lifecycle of a savings bank, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "stages-and-transitions-q03", "text": "What may an agent decide or do once the lifecycle of a savings bank is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] }, { "id": "observations-and-status", "name": "Observations and current status", "description": "What is observed about a savings bank, how often and by whom.", "findings": [ { "id": "observation-record", "name": "Observation record", "description": "How an observation of a savings bank is recorded so that it can be superseded rather than overwritten.", "questions": [ { "id": "observation-record-q01", "text": "What identifies and describes an observation of a savings bank, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "observation-record-q02", "text": "Who or what asserted this about an observation of a savings bank, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "observation-record-q03", "text": "What may an agent decide or do once an observation of a savings bank is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] } ] }, { "id": "people-and-responsibility", "name": "People, roles and responsibility", "description": "Who stands in what relation to a savings bank.", "rationale": "Social things are defined by the relations people hold to them, and those relations change without the thing changing.", "layers": [ { "id": "roles-and-parties", "name": "Roles and parties", "description": "The roles that exist around a savings bank and who fills them.", "findings": [ { "id": "role-assignments", "name": "Role assignments and their validity", "description": "Who holds which role over a savings bank, from when, and on whose authority.", "questions": [ { "id": "role-assignments-q01", "text": "What identifies and describes a role over a savings bank, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "role-assignments-q02", "text": "Who or what asserted this about a role over a savings bank, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "role-assignments-q03", "text": "What may an agent decide or do once a role over a savings bank is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] }, { "id": "ownership-and-accountability", "name": "Ownership and accountability", "description": "Who answers for a savings bank and who may decide about it.", "findings": [ { "id": "accountability", "name": "Accountability and decision rights", "description": "Where responsibility for a savings bank sits when something goes wrong.", "questions": [ { "id": "accountability-q01", "text": "What identifies and describes responsibility for a savings bank, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "accountability-q02", "text": "Who or what asserted this about responsibility for a savings bank, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "accountability-q03", "text": "What may an agent decide or do once responsibility for a savings bank is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] } ] }, { "id": "legal-identity", "name": "Legal identity and mandate", "description": "What savings bank is in law and what it exists to do.", "rationale": "Legal identity survives changes of name, address, staff and premises, which is exactly why it must be recorded separately from all of them.", "layers": [ { "id": "registration", "name": "Legal form and registration", "description": "Form, register, identifiers and jurisdiction.", "findings": [ { "id": "registration-record", "name": "Registration and identifiers", "description": "What names this body unambiguously in law.", "questions": [ { "id": "registration-record-q01", "text": "What legal form does savings bank take, in which register, under which identifier?", "kind": "definition" }, { "id": "registration-record-q02", "text": "What survives a rename, a merger or a move of premises, and what does not?", "kind": "boundary" } ] } ] }, { "id": "mandate", "name": "Mandate and governing instrument", "description": "The purpose it is bound to and the document that binds it.", "findings": [ { "id": "mandate-record", "name": "Mandate and its source", "description": "What it may do, and the instrument that says so.", "questions": [ { "id": "mandate-record-q01", "text": "What is the mandate of savings bank, and which founding or governing instrument grants it?", "kind": "provenance" }, { "id": "mandate-record-q02", "text": "What lies outside the mandate, and what should an agent do when asked for it?", "kind": "action" } ] } ] } ] }, { "id": "governance-and-membership", "name": "Governance, membership and decision rights", "description": "Who decides in savings bank and who belongs to it.", "rationale": "Authority inside an organisation is held by roles, not people, and an agent needs to know which role can commit it.", "layers": [ { "id": "decision-rights", "name": "Decision rights", "description": "Bodies, offices and what each may bind.", "findings": [ { "id": "authority-map", "name": "Who may bind the organisation", "description": "The offices that can commit it and their limits.", "questions": [ { "id": "authority-map-q01", "text": "Which bodies or offices of savings bank may take which decisions, and up to what limit?", "kind": "definition" }, { "id": "authority-map-q02", "text": "What evidence shows that a given person currently holds that office?", "kind": "provenance" } ] } ] }, { "id": "membership", "name": "Membership and affiliation", "description": "Who counts as part of it and on what terms.", "findings": [ { "id": "membership-rules", "name": "Membership and its evidence", "description": "Classes of member, how membership starts and ends.", "questions": [ { "id": "membership-rules-q01", "text": "What kinds of membership or affiliation does savings bank have, and how does each begin and end?", "kind": "definition" }, { "id": "membership-rules-q02", "text": "What may a member do in its name, and what may they not?", "kind": "action" } ] } ] } ] }, { "id": "provenance-and-evidence", "name": "Provenance, evidence and time", "description": "Where every claim about a savings bank came from and when it held.", "rationale": "A claim without a source and a time cannot be superseded, only overwritten, and an agent that overwrites loses the ability to explain itself.", "layers": [ { "id": "source-and-authority", "name": "Source and authority", "description": "Who said it, on what evidence, and how strongly.", "findings": [ { "id": "claim-provenance", "name": "Claim provenance and confidence", "description": "The authority behind each claim about a savings bank and how confident it is.", "questions": [ { "id": "claim-provenance-q01", "text": "What identifies and describes a claim about a savings bank, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "claim-provenance-q02", "text": "Who or what asserted this about a claim about a savings bank, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "claim-provenance-q03", "text": "What may an agent decide or do once a claim about a savings bank is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] }, { "id": "time-and-versions", "name": "Time, versions and supersession", "description": "When a claim was true, when it was learnt, and what replaced it.", "findings": [ { "id": "validity-and-supersession", "name": "Validity period and supersession", "description": "How an old claim about a savings bank is retired without being erased.", "questions": [ { "id": "validity-and-supersession-q01", "text": "What identifies and describes the validity of a claim about a savings bank, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "validity-and-supersession-q02", "text": "Who or what asserted this about the validity of a claim about a savings bank, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "validity-and-supersession-q03", "text": "What may an agent decide or do once the validity of a claim about a savings bank is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] } ] } ] }, "statistics": { "bundles": 6, "layers": 12, "findings": 14, "questions": 38 } } } }