{
  "vercy": "1.0-draft",
  "publication": {
    "status": "research-draft",
    "adjudicationStatus": "unreviewed",
    "publishableCanonical": false,
    "generatedAt": "2026-09-11T08:23:29Z",
    "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": "2026-10-05T17:00:00Z",
      "ingestedAt": "2026-10-05T13:24:37+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-INVESTMENT",
    "registryId": "vr.tr.investment",
    "name": "investment",
    "version": "0.2.0-wave.1",
    "entryKind": "thing",
    "family": "Thing Registry",
    "domain": [
      "SOC.ECO"
    ],
    "status": "research-draft"
  },
  "canonicalUrl": "https://ver.cy/models/thing/investment/",
  "model": {
    "registry_id": "vr.tr.investment",
    "name": "investment",
    "purpose": "Let an agent explain investments factually by type, risk, costs and investor protection, warn about scams, and refer to regulated advisers, without personal investment advice.",
    "definition": "Money committed with an expectation of profit or income, such as investments in shares, bonds, funds, property or ventures; speculation carries higher risk, and schemes promising guaranteed high returns, such as pyramid schemes, are fraudulent.",
    "what_it_is_for": "Growing or preserving wealth and funding enterprises.",
    "affordances": [
      "understand investment types and risks",
      "check whether a firm is authorised",
      "recognise investment scams",
      "find regulated advice"
    ],
    "distinguishing_features": [
      "Expectation of return",
      "Risk of loss",
      "Costs reduce returns",
      "Regulated investor protection"
    ],
    "appearance": "Accounts, statements, fund documents and contracts.",
    "visual_identification": [
      "Asset classes such as shares, bonds, funds",
      "Key information documents",
      "Red flags such as guaranteed high returns"
    ],
    "physical_properties": [],
    "families_and_kinds": [
      "equities",
      "bonds and fixed income",
      "funds and ETFs",
      "property",
      "venture and speculative investments"
    ],
    "related_models": [
      {
        "relation": "is a kind of",
        "target": "use of money",
        "why": "category"
      },
      {
        "relation": "includes",
        "target": "bond and security",
        "why": "instruments"
      },
      {
        "relation": "is regulated by",
        "target": "financial regulator",
        "why": "oversight"
      },
      {
        "relation": "is contrasted with",
        "target": "Ponzi and pyramid scheme",
        "why": "fraud"
      }
    ],
    "identifiers": [],
    "standards_and_regulation": [
      "EU MiFID II investor protection",
      "PRIIPs key information documents",
      "National financial regulators and compensation schemes"
    ],
    "failure_modes_and_hazards": [
      "Investment fraud and pyramid schemes",
      "Unsuitable high-risk products",
      "Agents giving personal investment advice"
    ],
    "in_scope": [],
    "out_of_scope": [],
    "characteristics": [],
    "agent_conduct": {
      "may": [
        "Explain kinds of investment and their risks in general terms.",
        "Report the value of holdings from statements the user provides."
      ],
      "must_not": [
        "Give personalised investment advice or recommend specific trades.",
        "Buy, sell or transfer investments on someone's behalf.",
        "Present speculation as safe or promise returns.",
        "Promote schemes showing signs of fraud, such as guaranteed high returns."
      ],
      "requires_human": [
        "Any investment decision or transaction."
      ]
    },
    "ethics": {
      "considerations": [
        "Investment fraud and mis-selling destroy savings, often of older people.",
        "Investment can fund harm or good; investors may care where their money goes."
      ],
      "affected_parties": [
        "Investors and savers",
        "Older and inexperienced investors",
        "Businesses seeking capital"
      ]
    },
    "owners": {
      "steward": "The investor who owns it; financial regulators oversee advisers and markets.",
      "master_systems": [
        "Regulators' registers of authorised firms"
      ]
    }
  },
  "sources": [
    {
      "id": "oewn",
      "title": "Open English WordNet 2024, synset oewn-13354252-n",
      "url": "https://en-word.net/id/oewn-13354252-n",
      "what_it_supports": "sense and gloss of the concept",
      "url_status": "live",
      "checked_by": "http 200"
    },
    {
      "id": "wiktionary-en",
      "title": "Wiktionary: investment",
      "url": "https://en.wiktionary.org/wiki/investment",
      "what_it_supports": "word senses and usage",
      "url_status": "live",
      "checked_by": "http 200"
    }
  ],
  "structure": {
    "bundles": [
      {
        "id": "types",
        "name": "Types",
        "description": "Which investment.",
        "rationale": "Types differ in risk.",
        "layers": [
          {
            "id": "asset",
            "name": "Asset class",
            "description": "Kind.",
            "findings": [
              {
                "id": "asset-finding",
                "name": "Asset",
                "description": "Investment type.",
                "questions": [
                  {
                    "text": "What type of investment is it?",
                    "kind": "definition"
                  },
                  {
                    "text": "How does it generally work?",
                    "kind": "definition"
                  }
                ]
              }
            ]
          },
          {
            "id": "risk",
            "name": "Risk",
            "description": "Potential loss.",
            "findings": [
              {
                "id": "risk-finding",
                "name": "Risk",
                "description": "Risk.",
                "questions": [
                  {
                    "text": "What are the main risks, including losing money?",
                    "kind": "boundary"
                  },
                  {
                    "text": "What does the key information document say?",
                    "kind": "provenance"
                  }
                ]
              }
            ]
          }
        ]
      },
      {
        "id": "protection",
        "name": "Protection",
        "description": "Regulation.",
        "rationale": "Regulation protects investors.",
        "layers": [
          {
            "id": "authorised",
            "name": "Authorised firms",
            "description": "Registers.",
            "findings": [
              {
                "id": "authorised-finding",
                "name": "Authorised",
                "description": "Firm authorisation.",
                "questions": [
                  {
                    "text": "Is the firm authorised by the financial regulator?",
                    "kind": "provenance"
                  },
                  {
                    "text": "How can that be checked on the official register?",
                    "kind": "action"
                  }
                ]
              }
            ]
          },
          {
            "id": "compensation",
            "name": "Compensation",
            "description": "Schemes.",
            "findings": [
              {
                "id": "compensation-finding",
                "name": "Compensation",
                "description": "Compensation schemes.",
                "questions": [
                  {
                    "text": "Is the investment covered by a compensation scheme?",
                    "kind": "provenance"
                  },
                  {
                    "text": "Up to what amount?",
                    "kind": "measurement"
                  }
                ]
              }
            ]
          }
        ]
      },
      {
        "id": "scams",
        "name": "Scams",
        "description": "Fraud.",
        "rationale": "Scams are common.",
        "layers": [
          {
            "id": "red-flags",
            "name": "Red flags",
            "description": "Warning signs.",
            "findings": [
              {
                "id": "red-flags-finding",
                "name": "Red flags",
                "description": "Scam warning signs.",
                "questions": [
                  {
                    "text": "Are there red flags such as guaranteed high returns, pressure or recruitment rewards?",
                    "kind": "boundary"
                  },
                  {
                    "text": "Is it on a regulator warning list?",
                    "kind": "provenance"
                  }
                ]
              }
            ]
          },
          {
            "id": "report",
            "name": "Report",
            "description": "Help.",
            "findings": [
              {
                "id": "report-finding",
                "name": "Report",
                "description": "Reporting.",
                "questions": [
                  {
                    "text": "Where can suspected investment fraud be reported?",
                    "kind": "action"
                  },
                  {
                    "text": "What should a victim do now?",
                    "kind": "action"
                  }
                ]
              }
            ]
          }
        ]
      },
      {
        "id": "limits",
        "name": "Limits",
        "description": "No personal advice.",
        "rationale": "Agents must not advise.",
        "layers": [
          {
            "id": "advice",
            "name": "Advice",
            "description": "Boundary.",
            "findings": [
              {
                "id": "advice-finding",
                "name": "Advice",
                "description": "Advice limit.",
                "questions": [
                  {
                    "text": "Is the user asking what they personally should invest in?",
                    "kind": "boundary"
                  },
                  {
                    "text": "How should the agent refer them to a regulated adviser?",
                    "kind": "action"
                  }
                ]
              }
            ]
          },
          {
            "id": "costs",
            "name": "Costs",
            "description": "Fees.",
            "findings": [
              {
                "id": "costs-finding",
                "name": "Costs",
                "description": "Costs.",
                "questions": [
                  {
                    "text": "What fees and charges apply, in general terms?",
                    "kind": "measurement"
                  },
                  {
                    "text": "Where are they disclosed?",
                    "kind": "provenance"
                  }
                ]
              }
            ]
          }
        ]
      }
    ]
  },
  "openQuestions": [
    "Should asset classes be separate entries?",
    "How should regulator registers be linked?",
    "How should scam warnings be kept current?"
  ],
  "statistics": {
    "bundles": 4,
    "layers": 8,
    "findings": 8,
    "questions": 16
  }
}