{
  "vercy": "1.0-draft",
  "publication": {
    "status": "research-draft",
    "adjudicationStatus": "unreviewed",
    "publishableCanonical": false,
    "generatedAt": "2026-09-11T11:01:52Z",
    "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": 1,
    "engine": "claude",
    "enrichment": {
      "pass": 3,
      "engine": "claude",
      "producedAt": "2026-10-05T16:30:00Z",
      "ingestedAt": "2026-10-05T13:30:35+00:00",
      "fields": [
        "agent_conduct",
        "ethics",
        "owners"
      ]
    },
    "gate": {
      "passed": true,
      "version": "1.0",
      "at": "2026-10-07T12:16:27+00:00",
      "evidence": [
        "completeness 1.00",
        "sense: WordNet gloss",
        "2 live sources",
        "review by codex: pass"
      ]
    }
  },
  "metaModel": {
    "id": "THING-INTEREST-POSSESSION",
    "registryId": "vr.tr.interest-possession",
    "name": "interest",
    "version": "0.2.0-wave.1",
    "entryKind": "thing",
    "family": "Thing Registry",
    "domain": [
      "SOC.ECO"
    ],
    "status": "research-draft"
  },
  "canonicalUrl": "https://ver.cy/models/thing/interest-possession/",
  "model": {
    "registry_id": "vr.tr.interest-possession",
    "name": "interest",
    "purpose": "Let an agent explain interest by type, calculation and disclosure, help people compare offers using official rate information, and route people in debt to free advice, without personal financial advice.",
    "definition": "A charge for borrowing money, or a return for lending or saving it, usually expressed as a percentage of the principal per period; calculated as simple or compound interest and disclosed as rates such as APR or AER.",
    "what_it_is_for": "Pricing loans and rewarding savings.",
    "affordances": [
      "calculate simple and compound interest",
      "understand APR and AER",
      "compare loan or savings offers",
      "find free debt advice"
    ],
    "distinguishing_features": [
      "Cost of borrowing or reward for saving",
      "Expressed as a rate",
      "Compounding matters",
      "Disclosure is regulated"
    ],
    "appearance": "Not physical; rates and amounts on statements and agreements.",
    "visual_identification": [
      "Rates such as APR and AER",
      "Simple versus compound interest",
      "Interest as curiosity is a different sense"
    ],
    "physical_properties": [],
    "families_and_kinds": [
      "simple interest",
      "compound interest",
      "fixed and variable rates",
      "APR and AER",
      "penalty and default interest"
    ],
    "related_models": [
      {
        "relation": "is a kind of",
        "target": "charge and financial return",
        "why": "category"
      },
      {
        "relation": "is expressed as",
        "target": "percentage",
        "why": "form"
      },
      {
        "relation": "applies to",
        "target": "loan and savings account",
        "why": "products"
      },
      {
        "relation": "is confused with",
        "target": "interest (curiosity)",
        "why": "another sense"
      }
    ],
    "identifiers": [],
    "standards_and_regulation": [
      "EU Consumer Credit Directive",
      "Usury and interest rate caps in some countries",
      "Central bank policy rates"
    ],
    "failure_modes_and_hazards": [
      "Underestimating compounding",
      "High-cost credit traps",
      "Agents giving personal financial advice"
    ],
    "in_scope": [],
    "out_of_scope": [],
    "characteristics": [],
    "agent_conduct": {
      "may": [
        "Calculate interest stating the rate, period and whether it is simple or compound.",
        "Explain the annual percentage rate and total cost of credit."
      ],
      "must_not": [
        "Hide the true cost of interest in loan offers.",
        "Give personal financial advice on borrowing or saving.",
        "Help arrange loans at rates above legal limits.",
        "Target people in hardship with high-interest loans."
      ],
      "requires_human": [
        "Loan decisions."
      ]
    },
    "ethics": {
      "considerations": [
        "High-interest debt traps poor people.",
        "Some faiths prohibit interest; this deserves respect."
      ],
      "affected_parties": [
        "Borrowers",
        "Savers",
        "Low-income households"
      ]
    },
    "owners": {
      "steward": "The lender and borrower under a contract; financial regulators set rules.",
      "master_systems": [
        "Credit reference records"
      ]
    }
  },
  "sources": [
    {
      "id": "oewn",
      "title": "Open English WordNet 2024, synset oewn-13339606-n",
      "url": "https://en-word.net/id/oewn-13339606-n",
      "what_it_supports": "sense and gloss of the concept",
      "url_status": "live",
      "checked_by": "http 200"
    },
    {
      "id": "wiktionary-en",
      "title": "Wiktionary: interest",
      "url": "https://en.wiktionary.org/wiki/interest",
      "what_it_supports": "word senses and usage",
      "url_status": "live",
      "checked_by": "http 200"
    }
  ],
  "structure": {
    "bundles": [
      {
        "id": "calculation",
        "name": "Calculation",
        "description": "How much.",
        "rationale": "Maths decides cost.",
        "layers": [
          {
            "id": "simple",
            "name": "Simple and compound",
            "description": "Formulas.",
            "findings": [
              {
                "id": "simple-finding",
                "name": "Simple and compound",
                "description": "Interest calculation.",
                "questions": [
                  {
                    "text": "How much interest accrues on this amount at this rate over this period?",
                    "kind": "measurement"
                  },
                  {
                    "text": "Is it simple or compound, and how often is it compounded?",
                    "kind": "definition"
                  }
                ]
              }
            ]
          },
          {
            "id": "rates",
            "name": "Rates",
            "description": "APR and AER.",
            "findings": [
              {
                "id": "rates-finding",
                "name": "Rates",
                "description": "Rate measures.",
                "questions": [
                  {
                    "text": "What do APR and AER mean in this offer?",
                    "kind": "definition"
                  },
                  {
                    "text": "Are fees included in the rate?",
                    "kind": "boundary"
                  }
                ]
              }
            ]
          }
        ]
      },
      {
        "id": "comparison",
        "name": "Comparison",
        "description": "Offers.",
        "rationale": "Comparisons need like for like.",
        "layers": [
          {
            "id": "compare",
            "name": "Compare",
            "description": "Like for like.",
            "findings": [
              {
                "id": "compare-finding",
                "name": "Compare",
                "description": "Comparing offers.",
                "questions": [
                  {
                    "text": "Are the offers compared on the same rate measure and term?",
                    "kind": "boundary"
                  },
                  {
                    "text": "What is the total cost of credit?",
                    "kind": "measurement"
                  }
                ]
              }
            ]
          },
          {
            "id": "advice",
            "name": "Advice",
            "description": "Personal finance.",
            "findings": [
              {
                "id": "advice-finding",
                "name": "Advice",
                "description": "Advice limit.",
                "questions": [
                  {
                    "text": "Is the user asking which loan or account to choose?",
                    "kind": "boundary"
                  },
                  {
                    "text": "How should they be referred to a regulated or free adviser?",
                    "kind": "action"
                  }
                ]
              }
            ]
          }
        ]
      },
      {
        "id": "debt",
        "name": "Debt",
        "description": "Help.",
        "rationale": "People in debt need support.",
        "layers": [
          {
            "id": "struggling",
            "name": "Struggling",
            "description": "Debt problems.",
            "findings": [
              {
                "id": "struggling-finding",
                "name": "Struggling",
                "description": "Debt problems.",
                "questions": [
                  {
                    "text": "Is the person struggling with repayments?",
                    "kind": "boundary"
                  },
                  {
                    "text": "Which free debt advice services exist here?",
                    "kind": "provenance"
                  }
                ]
              }
            ]
          },
          {
            "id": "scams",
            "name": "Scams",
            "description": "Loan scams.",
            "findings": [
              {
                "id": "scams-finding",
                "name": "Scams",
                "description": "Loan scams.",
                "questions": [
                  {
                    "text": "Is this lender authorised by the financial regulator?",
                    "kind": "provenance"
                  },
                  {
                    "text": "Are upfront fees a warning sign?",
                    "kind": "boundary"
                  }
                ]
              }
            ]
          }
        ]
      },
      {
        "id": "economy",
        "name": "Economy",
        "description": "Policy rates.",
        "rationale": "Central banks set policy rates.",
        "layers": [
          {
            "id": "policy",
            "name": "Policy",
            "description": "Central bank rate.",
            "findings": [
              {
                "id": "policy-finding",
                "name": "Policy",
                "description": "Policy rates.",
                "questions": [
                  {
                    "text": "What is the current central bank policy rate, according to the central bank?",
                    "kind": "provenance"
                  },
                  {
                    "text": "When was it last changed?",
                    "kind": "provenance"
                  }
                ]
              }
            ]
          },
          {
            "id": "senses",
            "name": "Senses",
            "description": "Disambiguation.",
            "findings": [
              {
                "id": "senses-finding",
                "name": "Senses",
                "description": "Other senses.",
                "questions": [
                  {
                    "text": "Is interest as curiosity or a stake meant?",
                    "kind": "boundary"
                  },
                  {
                    "text": "Which entry fits?",
                    "kind": "action"
                  }
                ]
              }
            ]
          }
        ]
      }
    ]
  },
  "openQuestions": [
    "Should rate types be separate entries?",
    "How should official rate data be linked?",
    "How should debt help be localised?"
  ],
  "statistics": {
    "bundles": 4,
    "layers": 8,
    "findings": 8,
    "questions": 16
  }
}