{ "vercy": "1.0-draft", "publication": { "status": "research-draft", "adjudicationStatus": "unreviewed", "publishableCanonical": false, "generatedAt": "2026-09-12T11:22:38Z", "providers": [ "Codex" ], "breadth": "recalled by Codex without web access - no source was read", "missingProviders": [], "pass": 2, "cost": { "grok": { "seconds": 20.4, "error": "Reading additional input from stdin...\nOpenAI Codex v0.153.4\n--------\nworkdir: R:\\02_PROJECTS\\02_Meta_Models_Platforms\\Ver.cy\\current\\thing-registry-backlog\nmodel: gpt-6-astra\nprovider: openai\napproval: never\nsandbox: read-only\nreasoning effort: none\nreasoning summaries: none\nsession id: 01a09559-f30b-7041-9fc2-16501ef50eb4\n--------\nuser\nDescribe what is already known about one registered thing. Answer as JSON only, no prose around it.\n\nThing: money order\nSense to describe: (none recorded)\nDomain code: PHY.OBJ\nAlso known as: (none)\n\n\nContext for this batch of 1001 things:\n# Batch 044: 1001 reg", "usd": 0.0, "recall": true }, "codex": { "seconds": 63.6, "error": "Reading additional input from stdin...\nOpenAI Codex v0.153.4\n--------\nworkdir: R:\\02_PROJECTS\\02_Meta_Models_Platforms\\Ver.cy\\current\\thing-registry-backlog\nmodel: gpt-6-astra\nprovider: openai\napproval: never\nsandbox: read-only\nreasoning effort: none\nreasoning summaries: none\nsession id: 01a09559-f31a-7890-878f-32f8fdd8bb8c\n--------\nuser\nYou are drafting a Vercy meta-model for one registered thing. Answer as JSON only, no prose around it.\n\nThing: money order\nRegistry id: vr.tr.money-order\nPlane / domain: PHY / PHY.OBJ\nRegistry definition: (none recorded)\nNames folded into this entry: (none)\n\n\n" } }, "enrichment": { "pass": 3, "engine": "claude", "producedAt": "2026-10-06T12:00:00Z", "ingestedAt": "2026-10-06T08:54:37+00:00", "fields": [ "agent_conduct", "ethics", "failure_modes_and_hazards", "owners", "standards_and_regulation", "visual_identification" ] }, "gate": { "passed": true, "version": "1.0", "at": "2026-10-07T10:10:25+00:00", "evidence": [ "completeness 1.00", "sense: Wikidata description", "2 live sources", "review by codex: pass" ] } }, "metaModel": { "id": "THING-Q11776449", "registryId": "vr.tr.money-order", "name": "money order", "version": "0.1.0-research.1", "entryKind": "thing", "family": "Thing Registry", "domain": [ "PHY.OBJ" ], "status": "research-draft" }, "canonicalUrl": "https://ver.cy/models/thing/q11776449/", "model": { "registry_id": "vr.tr.money-order", "name": "money order", "purpose": "Enable an agent to recognise a money order, assess its payment and physical state, and identify permitted next steps under the issuer's rules.", "definition": "A money order is a prepaid payment instrument issued by a postal operator, financial institution, or other authorized provider, directing payment of a stated sum to a named payee.", "scope_statement": "This model owns the money order as an issued payment instrument represented by a physical document, including its amount, parties, authenticity evidence, payment status and issuer-governed handling.", "in_scope": [ "Issuer, product type and identifying references for a particular money order", "Face amount, currency and evidence of funding at issuance", "Purchaser, named payee and endorsements recorded on the instrument", "Physical completeness, alterations and issuer-specific authentication evidence", "Presentment, payment, return, cancellation, replacement and refund status" ], "out_of_scope": [ "The issuer's organisation, financial condition and operating infrastructure", "The underlying purchase, debt or other obligation being paid", "Cashier's checks, personal checks and bank drafts as separate instrument kinds", "Electronic transfers and remittance services without a money-order instrument", "The purchaser's or payee's complete financial accounts and identity records" ], "distinguishing_features": [ "The issuer's designation and product documentation identify the instrument as a money order; appearance alone does not establish its type.", "Issuance involves payment or other accepted funding of the stated amount, distinguishing its funding arrangement from an ordinary personal check drawn on the purchaser's account.", "A stated amount and designated payment entitlement distinguish the instrument from currency intended for general circulation.", "The payment instrument can be distinguished from its purchase receipt, detachable stub, photocopy or status enquiry result.", "Issuer and product evidence distinguish a money order from a cashier's check or bank draft even where their payment functions overlap." ], "characteristics": [ { "name": "Issuer and product", "kind": "relation", "unit_or_values": "Issuing organisation, money-order product and applicable terms", "why_it_matters": "Identifies which authentication, payment and remedy procedures apply." }, { "name": "Instrument identifier", "kind": "category", "unit_or_values": "Issuer-specific serial number and associated routing or office references", "why_it_matters": "Supports enquiries and matching without treating an identifier alone as proof of authenticity." }, { "name": "Face amount", "kind": "measurement", "unit_or_values": "Monetary amount with stated currency", "why_it_matters": "Establishes the payment value and enables comparison with issuance and presentment records." }, { "name": "Issue date", "kind": "measurement", "unit_or_values": "Calendar date, or unknown", "why_it_matters": "Supports application of any time-dependent issuer conditions." }, { "name": "Named parties", "kind": "relation", "unit_or_values": "Purchaser or remitter, named payee and recorded endorsers, with evidence", "why_it_matters": "Separates who purchased the instrument, who holds it and who may receive payment." }, { "name": "Funding evidence", "kind": "state", "unit_or_values": "Issuer-confirmed, receipt-supported, unverified or disputed", "why_it_matters": "Distinguishes an issuance claim from evidence that the instrument was funded." }, { "name": "Document condition", "kind": "state", "unit_or_values": "Intact, incomplete, damaged, illegible, apparently altered or unknown", "why_it_matters": "Affects readability, authentication and the available handling route." }, { "name": "Authenticity assessment", "kind": "state", "unit_or_values": "Unchecked, consistent with issuer guidance, issuer-confirmed, suspicious or unresolved", "why_it_matters": "Prevents visual plausibility from being treated as a guarantee of payment." }, { "name": "Payment lifecycle status", "kind": "state", "unit_or_values": "Issued, presented, pending, paid, returned, cancelled, replaced, refunded or unknown; issuer terminology controls", "why_it_matters": "Determines whether payment or a remedy remains available and flags possible duplicate claims." }, { "name": "Status evidence", "kind": "relation", "unit_or_values": "Issuer response or transaction record, reference and observation time", "why_it_matters": "Keeps reported status attributable and distinguishes current evidence from an outdated enquiry." } ], "affordances": [ "Inspect the instrument and compare its details with issuer-specific authentication guidance.", "Match the money order to its purchase receipt and request an authoritative status enquiry.", "Identify a permitted cashing or deposit route and its payee, endorsement and document requirements.", "Track presentment and distinguish provisional account credit from confirmed payment.", "Identify and initiate an eligible loss, replacement, cancellation or refund procedure.", "Flag inconsistent amounts, altered payees or duplicate presentment evidence for investigation." ], "agent_conduct": { "may": [ "Explain what a money order is and how to buy, send and cash one through authorized providers.", "Help a user check that a money order was issued by a real provider by contacting the issuer through official channels.", "Warn users about common money order scams." ], "must_not": [ "Help anyone forge, alter or counterfeit a money order.", "Advise accepting a money order as payment and sending back change to a stranger.", "Help anyone use money orders to launder money or evade reporting rules.", "Disclose a payee's or sender's details beyond what the transaction requires." ], "requires_human": [ "Buying, cashing or sending a money order on a person's behalf." ] }, "ethics": { "considerations": [ "Fake money orders are a common scam that targets older and vulnerable people.", "People without bank accounts rely on money orders for essential payments." ], "affected_parties": [ "Older and vulnerable people", "People without bank accounts", "Small businesses" ] }, "owners": { "steward": "The issuer, which owes payment to the payee.", "master_systems": [ "Issuer transaction records" ] }, "visual_identification": [ "A printed form with the issuer's name, amount, payee and serial number.", "Security features such as watermarks, threads or colour-shifting ink." ], "failure_modes_and_hazards": [ "Counterfeit orders can be used in overpayment scams.", "Lost orders are hard to recover without the receipt." ], "standards_and_regulation": [ "Postal Payment Services Agreement, Universal Postal Union." ], "what_it_is_for": [ "A money order is used to send a prepaid sum to a named recipient when cash delivery or a personal cheque is unsuitable.", "It is encountered at issuing counters, in mailed payments and during payment collection, where acceptance and redemption depend on the issuer's rules." ] }, "sources": [ { "id": "wikidata", "title": "Wikidata item Q11776449: money order", "url": "https://www.wikidata.org/wiki/Q11776449", "url_status": "live", "what_it_supports": "identity and sense of the item", "checked_by": "wikidata-api" }, { "id": "wikipedia-en", "title": "Wikipedia: Money order", "url": "https://en.wikipedia.org/wiki/Money_order", "url_status": "live", "what_it_supports": "general description of the item", "checked_by": "wikidata-api sitelink" } ], "structure": { "bundles": [ { "id": "instrument-identity-and-issuance", "name": "Instrument identity and issuance", "description": "Establishes which money-order product the document represents and what was issued.", "rationale": "Similar payment documents can have different funding arrangements and issuer procedures.", "layers": [ { "id": "issuer-and-product", "name": "Issuer and product", "description": "Connects the document to an issuing authority and a specific instrument kind.", "findings": [ { "id": "money-order-classification", "name": "Money-order classification", "description": "Record evidence that the document is a money order and distinguish the issuer from a selling agent.", "questions": [ { "text": "Which organisation issued this money order, and which organisation or outlet sold it?", "kind": "provenance", "id": "money-order-classification-q01" }, { "text": "What issuer designation distinguishes this product from a cashier's check, bank draft or remittance receipt?", "kind": "boundary", "id": "money-order-classification-q02" } ] } ] }, { "id": "issued-value", "name": "Issued value", "description": "Captures the amount and funding evidence associated with issuance.", "findings": [ { "id": "amount-and-funding-record", "name": "Amount and funding record", "description": "Separate the money order's face value from purchase fees and reconcile the document with available issuance evidence.", "questions": [ { "text": "What amount and currency appear on the money order, and do its written and numeric amounts agree where both are present?", "kind": "measurement", "id": "amount-and-funding-record-q01" }, { "text": "What receipt or issuer record supports the issue date, identifier and funding of that amount?", "kind": "provenance", "id": "amount-and-funding-record-q02" } ] } ] } ] }, { "id": "payee-and-payment-entitlement", "name": "Payee and payment entitlement", "description": "Distinguishes possession of the document from an evidenced entitlement to receive its value.", "rationale": "Purchaser, holder and payee may be different parties, and endorsement requirements cannot be assumed.", "layers": [ { "id": "party-designations", "name": "Party designations", "description": "Interprets the purchaser, remitter and payee fields used by the issuer.", "findings": [ { "id": "purchaser-holder-and-payee", "name": "Purchaser, holder and payee", "description": "Record the named parties and any blank, ambiguous or conflicting designations.", "questions": [ { "text": "Who is named as purchaser or remitter and who is named as payee on this instrument?", "kind": "definition", "id": "purchaser-holder-and-payee-q01" }, { "text": "What evidence connects the current holder to the named payee or an authorised representative?", "kind": "provenance", "id": "purchaser-holder-and-payee-q02" } ] } ] }, { "id": "endorsement-and-representation", "name": "Endorsement and representation", "description": "Examines signatures, restrictions and authority to present the money order.", "findings": [ { "id": "permitted-presenter", "name": "Permitted presenter", "description": "Determine the applicable conditions for endorsement, representation or transfer without presuming unrestricted negotiability.", "questions": [ { "text": "Which endorsements or identity evidence does the proposed cashing or deposit channel require?", "kind": "action", "id": "permitted-presenter-q01" }, { "text": "Do the applicable rules permit payment to a representative or subsequent holder, and under what restrictions?", "kind": "boundary", "id": "permitted-presenter-q02" } ] } ] } ] }, { "id": "document-integrity-and-authentication", "name": "Document integrity and authentication", "description": "Assesses whether the presented paper is the relevant instrument and whether its contents are trustworthy.", "rationale": "A receipt, copied document or altered money order can resemble a usable original.", "layers": [ { "id": "original-document-and-condition", "name": "Original document and condition", "description": "Separates the payment document from supporting records and evaluates its legibility.", "findings": [ { "id": "instrument-versus-supporting-copy", "name": "Instrument versus supporting copy", "description": "Identify whether the item is an original instrument, stub, receipt or reproduction, and record material damage.", "questions": [ { "text": "Is the item the original money order, a purchaser's receipt, a detachable stub or a reproduction?", "kind": "boundary", "id": "instrument-versus-supporting-copy-q01" }, { "text": "Which amount, payee, identifier or endorsement fields are missing, damaged or illegible?", "kind": "measurement", "id": "instrument-versus-supporting-copy-q02" } ] } ] }, { "id": "issuer-specific-verification", "name": "Issuer-specific verification", "description": "Compares the document with appropriate issuer evidence and authentication procedures.", "findings": [ { "id": "authenticity-and-alteration-evidence", "name": "Authenticity and alteration evidence", "description": "Record checks and discrepancies while keeping authenticity separate from unpaid status.", "questions": [ { "text": "Which issuer-published checks apply to this document version, and what did inspection establish?", "kind": "provenance", "id": "authenticity-and-alteration-evidence-q01" }, { "text": "How can the identifier, amount and payee be verified through an independently established issuer channel?", "kind": "action", "id": "authenticity-and-alteration-evidence-q02" } ] } ] } ] }, { "id": "presentment-and-payment", "name": "Presentment and payment", "description": "Tracks how the money order is submitted and what evidence establishes payment.", "rationale": "Acceptance for deposit, availability of funds and confirmed payment describe different events.", "layers": [ { "id": "acceptance-route", "name": "Acceptance route", "description": "Identifies a cashing or deposit channel that accepts the particular issuer's product.", "findings": [ { "id": "presentment-conditions", "name": "Presentment conditions", "description": "Record applicable location, currency, amount, identification and endorsement conditions.", "questions": [ { "text": "Which institution or issuer outlet accepts this money order for cashing or deposit?", "kind": "action", "id": "presentment-conditions-q01" }, { "text": "What fees, limits, identification requirements or geographic restrictions apply through that channel?", "kind": "boundary", "id": "presentment-conditions-q02" } ] } ] }, { "id": "payment-evidence", "name": "Payment evidence", "description": "Relates presentment records to the issuer's reported payment status.", "findings": [ { "id": "credit-versus-confirmed-payment", "name": "Credit versus confirmed payment", "description": "Keep provisional credit, paid status and any return or reversal separately evidenced.", "questions": [ { "text": "What record establishes whether the instrument is pending, paid or returned, and when was that status checked?", "kind": "provenance", "id": "credit-versus-confirmed-payment-q01" }, { "text": "Does the available evidence show provisional account credit or confirmed payment under the applicable process?", "kind": "boundary", "id": "credit-versus-confirmed-payment-q02" } ] } ] } ] }, { "id": "exceptions-and-value-recovery", "name": "Exceptions and value recovery", "description": "Handles problems that prevent ordinary payment and tracks the disposition of the original instrument.", "rationale": "Loss, errors and replacement can leave multiple documents or claims referring to the same issued value.", "layers": [ { "id": "loss-errors-and-disputes", "name": "Loss, errors and disputes", "description": "Identifies the problem and the evidence needed for an issuer-specific remedy.", "findings": [ { "id": "remedy-eligibility", "name": "Remedy eligibility", "description": "Record whether the instrument is lost, stolen, damaged, incorrectly completed or disputed and which procedures apply.", "questions": [ { "text": "What happened to the money order, and what purchase or possession evidence remains available?", "kind": "provenance", "id": "remedy-eligibility-q01" }, { "text": "Which enquiry, correction, cancellation, replacement or refund procedure is available to this claimant?", "kind": "action", "id": "remedy-eligibility-q02" } ] } ] }, { "id": "replacement-and-original-status", "name": "Replacement and original status", "description": "Connects any recovery outcome to the continuing status of the original money order.", "findings": [ { "id": "single-value-disposition", "name": "Single-value disposition", "description": "Link a replacement or refund to its original instrument and retain evidence of any remaining payment exposure.", "questions": [ { "text": "What issuer record links the replacement or refund to the original instrument and establishes the original's resulting status?", "kind": "provenance", "id": "single-value-disposition-q01" }, { "text": "What must the holder do if the original is recovered or presented after replacement or refund?", "kind": "action", "id": "single-value-disposition-q02" } ] } ] } ] }, { "id": "evidence-and-external-alignment", "name": "Evidence and external alignment", "description": "What the world already says about this thing, gathered so the model can be checked against it.", "rationale": "A model that cannot be lined up against existing standards, identifiers and practice cannot be adopted by anyone who already uses them.", "layers": [ { "id": "reported-evidence", "name": "Reported evidence", "description": "Findings from the breadth pass, kept separate from the structural claims.", "findings": [ { "id": "evidence-confidence-notes", "name": "Check these first", "description": "Recalled without web access and unsourced; every item is a lead to verify.", "evidence": [ "The PHY.OBJ classification fits the physical instrument; its payment obligation and processing service are related institutional aspects.", "Specific limits, fees, validity rules, identification requirements, and replacement rights require issuer- and jurisdiction-specific checking.", "This description is recalled general knowledge; no sources or current regulations were consulted." ], "questions": [ { "id": "evidence-confidence-notes-q01", "text": "Which of these check these first hold for the sense of money order this model covers, and on what evidence?", "kind": "provenance" } ] }, { "id": "evidence-kinds", "name": "Kinds and varieties", "description": "Recalled without web access and unsourced; every item is a lead to verify.", "evidence": [ "Postal money order", "Bank-issued money order", "Retail money order", "Domestic money order", "International money order" ], "questions": [ { "id": "evidence-kinds-q01", "text": "Which of these kinds and varieties hold for the sense of money order this model covers, and on what evidence?", "kind": "provenance" } ] }, { "id": "evidence-identifiers", "name": "Identifiers and schemes", "description": "Recalled without web access and unsourced; every item is a lead to verify.", "evidence": [ { "scheme": "Issuer-assigned serial or reference number", "value_or_pattern": "Issuer-specific numeric or alphanumeric sequence", "note": "Identifies an individual instrument for tracing, payment verification, and replacement enquiries; there is no universal format." } ], "questions": [ { "id": "evidence-identifiers-q01", "text": "Which of these identifiers and schemes hold for the sense of money order this model covers, and on what evidence?", "kind": "provenance" } ] }, { "id": "evidence-real-world-use", "name": "Real-world use", "description": "Recalled without web access and unsourced; every item is a lead to verify.", "evidence": [ "Paying bills or making purchases where money orders are accepted", "Sending prepaid funds to a named recipient", "Making payments without drawing a personal cheque on a bank account", "Providing a paper payment instrument with a purchaser's receipt for tracing" ], "questions": [ { "id": "evidence-real-world-use-q01", "text": "Which of these real-world use hold for the sense of money order this model covers, and on what evidence?", "kind": "provenance" } ] }, { "id": "evidence-measurements", "name": "Typical measurements", "description": "Recalled without web access and unsourced; every item is a lead to verify.", "evidence": [ { "quantity": "Face value", "typical_range": "Positive amount up to the issuer's limit for the service and currency", "unit": "Currency units" } ], "questions": [ { "id": "evidence-measurements-q01", "text": "Which of these typical measurements hold for the sense of money order this model covers, and on what evidence?", "kind": "provenance" } ] }, { "id": "evidence-failure-modes-and-hazards", "name": "Failure modes and hazards", "description": "Recalled without web access and unsourced; every item is a lead to verify.", "evidence": [ "Counterfeit instruments or alteration of the payee or amount", "Loss or theft, potentially requiring tracing and replacement", "Incorrect or incomplete payee details preventing payment", "Fraud exploiting provisional deposit credit before authenticity and final payment are established", "Damage or illegibility preventing authentication or processing" ], "questions": [ { "id": "evidence-failure-modes-and-hazards-q01", "text": "Which of these failure modes and hazards hold for the sense of money order this model covers, and on what evidence?", "kind": "provenance" } ] }, { "id": "evidence-regional-variation", "name": "Regional variation", "description": "Recalled without web access and unsourced; every item is a lead to verify.", "evidence": [ "Available issuers, purchase limits, fees, and redemption channels vary by jurisdiction and provider.", "International acceptance depends on the participating services, destination, and supported currency.", "Terms such as postal order and money order overlap in some jurisdictions but may denote distinct services in others." ], "questions": [ { "id": "evidence-regional-variation-q01", "text": "Which of these regional variation hold for the sense of money order this model covers, and on what evidence?", "kind": "provenance" } ] }, { "id": "evidence-neighbours", "name": "Neighbouring kinds and how to tell them apart", "description": "Recalled without web access and unsourced; every item is a lead to verify.", "evidence": [ { "name": "Personal cheque", "difference": "A personal cheque draws on the account holder's funds when presented; a money order is prepaid at purchase." }, { "name": "Cashier's cheque", "difference": "A cashier's cheque is drawn by a bank on itself; money orders are a distinct prepaid instrument also issued by postal and retail providers." }, { "name": "Banknote", "difference": "A banknote circulates as currency without naming a payee; a money order specifies a payment amount and normally a payee." }, { "name": "Electronic funds transfer", "difference": "An electronic funds transfer moves funds through electronic payment instructions rather than presentation of a paper money order." } ], "questions": [ { "id": "evidence-neighbours-q01", "text": "Which of these neighbouring kinds and how to tell them apart hold for the sense of money order this model covers, and on what evidence?", "kind": "provenance" } ] } ] } ] } ] }, "openQuestions": [ "Which issuer products and jurisdictions should anchor the model, and how do their definitions distinguish money orders from adjacent payment instruments?", "Which products permit endorsement or transfer, and what evidence establishes entitlement for representatives or subsequent holders?", "Which issuer-specific security features and authoritative verification services can be documented for current and older instrument versions?", "How do validity periods, inactivity charges, purchase limits and cross-border acceptance vary across the products covered?", "What evidence establishes payment finality, and what cancellation, replacement or refund rights remain at each lifecycle stage?" ], "statistics": { "bundles": 6, "layers": 11, "findings": 18, "questions": 28 } }