{
  "vercy": "1.0-draft",
  "publication": {
    "status": "research-draft",
    "adjudicationStatus": "unreviewed",
    "publishableCanonical": false,
    "generatedAt": "2026-09-11T05:35:33Z",
    "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": "2026-10-05T13:21:32+00:00",
      "fields": [
        "agent_conduct",
        "ethics",
        "owners"
      ]
    },
    "gate": {
      "passed": true,
      "version": "1.0",
      "at": "2026-10-06T19:51:57+00:00",
      "evidence": [
        "completeness 1.00",
        "sense: Wikidata description",
        "2 live sources",
        "review by codex: pass"
      ]
    }
  },
  "metaModel": {
    "id": "THING-Q22687",
    "registryId": "vr.tr.bank",
    "name": "bank",
    "version": "0.2.0-wave.1",
    "entryKind": "thing",
    "family": "Thing Registry",
    "domain": [
      "SOC.ORG"
    ],
    "status": "research-draft"
  },
  "canonicalUrl": "https://ver.cy/models/thing/q22687/",
  "model": {
    "registry_id": "vr.tr.bank",
    "name": "bank",
    "purpose": "Let an agent handle banks by licence, regulator, identifiers, services and deposit protection, verify legitimacy, and never move money or ask for credentials.",
    "definition": "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.",
    "what_it_is_for": "Holding deposits, lending, processing payments and supporting the economy.",
    "affordances": [
      "open accounts and deposit money",
      "borrow and pay",
      "verify its licence and deposit protection",
      "complain to it and to an ombudsman"
    ],
    "distinguishing_features": [
      "Licensed to take deposits",
      "Regulated and supervised",
      "Deposits may be insured up to a limit",
      "Central banks issue currency and set policy"
    ],
    "appearance": "Branches, apps and websites with the bank name, licence information and security features.",
    "visual_identification": [
      "Registered name and licence number",
      "BIC/SWIFT code for international payments",
      "Branch addresses; impersonation sites mimic real banks"
    ],
    "physical_properties": [],
    "families_and_kinds": [
      "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"
    ],
    "related_models": [
      {
        "relation": "is a kind of",
        "target": "financial institution",
        "why": "intermediary"
      },
      {
        "relation": "holds",
        "target": "money",
        "why": "deposits"
      },
      {
        "relation": "processes",
        "target": "payment",
        "why": "services"
      },
      {
        "relation": "is regulated by",
        "target": "banking supervisor",
        "why": "oversight"
      }
    ],
    "identifiers": [
      {
        "scheme": "BIC/SWIFT code",
        "value_or_pattern": "8 or 11 characters",
        "note": "identifies the bank"
      },
      {
        "scheme": "LEI",
        "value_or_pattern": "20 characters",
        "note": "legal entity"
      },
      {
        "scheme": "national bank code",
        "value_or_pattern": "country-specific",
        "note": "such as sort codes"
      }
    ],
    "standards_and_regulation": [
      "Basel III capital standards",
      "EU Capital Requirements Directive and Regulation",
      "Deposit guarantee schemes such as EU Directive 2014/49/EU",
      "Anti-money-laundering law"
    ],
    "failure_modes_and_hazards": [
      "Phishing and bank impersonation",
      "Bank failures, with protection up to limits",
      "Fraud targeting customers",
      "Agents mishandling credentials"
    ],
    "in_scope": [],
    "out_of_scope": [],
    "characteristics": [],
    "agent_conduct": {
      "may": [
        "Report a bank's name, licence and regulator from official registers.",
        "Help a customer understand published products and fees in general terms."
      ],
      "must_not": [
        "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."
      ],
      "requires_human": [
        "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."
      ],
      "affected_parties": [
        "Customers",
        "Depositors",
        "People excluded from banking"
      ]
    },
    "owners": {
      "steward": "Its shareholders or members own it; the banking regulator licenses and supervises it.",
      "master_systems": [
        "Registers of licensed banks"
      ]
    }
  },
  "sources": [
    {
      "id": "wikidata",
      "title": "Wikidata item Q22687: bank",
      "url": "https://www.wikidata.org/wiki/Q22687",
      "url_status": "live",
      "what_it_supports": "identity and sense of the item",
      "checked_by": "wikidata-api"
    },
    {
      "id": "wikipedia-en",
      "title": "Wikipedia: Bank",
      "url": "https://en.wikipedia.org/wiki/Bank",
      "url_status": "live",
      "what_it_supports": "general description of the item",
      "checked_by": "wikidata-api sitelink"
    }
  ],
  "structure": {
    "bundles": [
      {
        "id": "identity",
        "name": "Identity",
        "description": "Which bank.",
        "rationale": "Identity checks prevent fraud.",
        "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.",
        "rationale": "Services decide suitability.",
        "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.",
        "rationale": "Deposit protection matters to customers.",
        "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.",
        "rationale": "Customers need redress routes.",
        "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"
                  }
                ]
              }
            ]
          }
        ]
      }
    ]
  },
  "openQuestions": [
    "Should banks be instances linked to registers?",
    "How should agents verify bank communications?",
    "How should central banks be separated?"
  ],
  "statistics": {
    "bundles": 4,
    "layers": 8,
    "findings": 8,
    "questions": 16
  }
}