{
  "vercy": "1.0-draft",
  "publication": {
    "status": "research-draft",
    "adjudicationStatus": "unreviewed",
    "publishableCanonical": false,
    "generatedAt": "2026-09-12T01:03:13Z",
    "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",
    "enrichment": {
      "pass": 3,
      "engine": "claude",
      "producedAt": "2026-10-05T23:50:00Z",
      "ingestedAt": "2026-10-05T20:49:50+00:00",
      "fields": [
        "agent_conduct",
        "ethics",
        "owners"
      ]
    },
    "gate": {
      "passed": true,
      "version": "1.0",
      "at": "2026-10-06T19:52:00+00:00",
      "evidence": [
        "completeness 1.00",
        "sense: Wikidata description",
        "2 live sources",
        "review by codex: pass"
      ]
    }
  },
  "metaModel": {
    "id": "THING-Q43015",
    "registryId": "vr.tr.finance",
    "name": "finance",
    "version": "0.2.0-wave.2",
    "entryKind": "thing",
    "family": "Thing Registry",
    "domain": [
      "INF.KNW"
    ],
    "status": "research-draft"
  },
  "canonicalUrl": "https://ver.cy/models/thing/q43015/",
  "model": {
    "registry_id": "vr.tr.finance",
    "name": "finance",
    "purpose": "Let an agent explain finance as a field and its branches, describe institutions, markets and regulation, support financial literacy in general terms, and route personal financial decisions to licensed professionals.",
    "definition": "The management of money, credit, investment and risk by individuals, businesses and governments, and the academic field studying them, including corporate finance, personal finance, public and state finance, banking, markets, insurance and financial technology such as insurtech, together with mathematical and stochastic finance and culturally grounded approaches such as Maori finance; finance is regulated by financial authorities and this entry provides general education, not personal financial advice.",
    "what_it_is_for": "Management and study of money and risk.",
    "affordances": [
      "explain branches",
      "describe institutions and regulation",
      "support financial literacy",
      "route personal decisions"
    ],
    "distinguishing_features": [
      "Time value of money",
      "Risk and return",
      "Institutions and markets",
      "Regulated"
    ],
    "appearance": "Not physical; a field and set of activities.",
    "visual_identification": [
      "Money, credit, investment, risk",
      "Personal, corporate, public",
      "Accounting records transactions; economics studies the wider system"
    ],
    "physical_properties": [],
    "families_and_kinds": [
      "personal finance",
      "corporate finance",
      "public and state finance",
      "banking, markets and insurance",
      "mathematical finance and financial technology"
    ],
    "related_models": [
      {
        "relation": "is a kind of",
        "target": "business management",
        "why": "category"
      },
      {
        "relation": "is a kind of",
        "target": "banking, finance and investment studies",
        "why": "category"
      },
      {
        "relation": "is related to",
        "target": "tight money",
        "why": "monetary conditions"
      },
      {
        "relation": "is related to",
        "target": "monetary unit",
        "why": "currencies"
      }
    ],
    "identifiers": [],
    "standards_and_regulation": [
      "Financial regulation and supervision",
      "Accounting and reporting standards",
      "Consumer protection in financial services"
    ],
    "failure_modes_and_hazards": [
      "Agents giving personal investment advice",
      "Fraud and scams",
      "Systemic crises"
    ],
    "in_scope": [],
    "out_of_scope": [],
    "characteristics": [],
    "agent_conduct": {
      "may": [
        "Explain finance and its branches in general terms.",
        "Report financial data with source and date.",
        "Warn people about common scams and point to regulators."
      ],
      "must_not": [
        "Give personalized investment advice.",
        "Execute trades or move money without explicit authorization.",
        "Help commit fraud or market manipulation.",
        "Present risky products as safe."
      ],
      "requires_human": [
        "Any financial transaction."
      ]
    },
    "ethics": {
      "considerations": [
        "Financial decisions affect people's livelihoods.",
        "Fraud targets vulnerable people."
      ],
      "affected_parties": [
        "Savers and borrowers",
        "Investors",
        "Vulnerable consumers"
      ]
    },
    "owners": {
      "steward": "Nobody owns the field; financial regulators supervise firms.",
      "master_systems": [
        "Registers of authorised financial firms"
      ]
    }
  },
  "sources": [
    {
      "id": "wikidata",
      "title": "Wikidata item Q43015: finance",
      "url": "https://www.wikidata.org/wiki/Q43015",
      "url_status": "live",
      "what_it_supports": "identity and sense of the item",
      "checked_by": "wikidata-api"
    },
    {
      "id": "wikipedia-en",
      "title": "Wikipedia: Finance",
      "url": "https://en.wikipedia.org/wiki/Finance",
      "url_status": "live",
      "what_it_supports": "general description of the item",
      "checked_by": "wikidata-api sitelink"
    }
  ],
  "structure": {
    "bundles": [
      {
        "id": "understand",
        "name": "Understand",
        "description": "What finance is.",
        "rationale": "Concepts.",
        "layers": [
          {
            "id": "branches",
            "name": "Branches",
            "description": "Branches of finance.",
            "findings": [
              {
                "id": "branches-finding",
                "name": "Branches",
                "description": "Branches.",
                "questions": [
                  {
                    "text": "What are personal, corporate, public, mathematical and other branches of finance, and how do they relate?",
                    "kind": "definition"
                  },
                  {
                    "text": "Is the user asking for personal financial advice, which needs a licensed professional?",
                    "kind": "boundary"
                  }
                ]
              }
            ]
          },
          {
            "id": "principles",
            "name": "Principles",
            "description": "Core principles.",
            "findings": [
              {
                "id": "principles-finding",
                "name": "Principles",
                "description": "Principles.",
                "questions": [
                  {
                    "text": "What are the time value of money, risk and return, diversification and leverage?",
                    "kind": "definition"
                  },
                  {
                    "text": "Which entry fits a specific concept?",
                    "kind": "action"
                  }
                ]
              }
            ]
          }
        ]
      },
      {
        "id": "system",
        "name": "System",
        "description": "Institutions and markets.",
        "rationale": "Context.",
        "layers": [
          {
            "id": "institutions",
            "name": "Institutions",
            "description": "Institutions.",
            "findings": [
              {
                "id": "institutions-finding",
                "name": "Institutions",
                "description": "Institutions.",
                "questions": [
                  {
                    "text": "How do banks, markets, insurers, funds and financial technology firms operate, and how are they regulated?",
                    "kind": "provenance"
                  },
                  {
                    "text": "Which entry fits a specific institution type?",
                    "kind": "action"
                  }
                ]
              }
            ]
          },
          {
            "id": "public",
            "name": "Public",
            "description": "Public and state finance.",
            "findings": [
              {
                "id": "public-finding",
                "name": "Public",
                "description": "Public finance.",
                "questions": [
                  {
                    "text": "How do governments raise, borrow and spend money, and how does state finance differ from corporate finance?",
                    "kind": "provenance"
                  },
                  {
                    "text": "Which entry fits public finance?",
                    "kind": "action"
                  }
                ]
              }
            ]
          }
        ]
      },
      {
        "id": "literacy",
        "name": "Literacy",
        "description": "Financial literacy.",
        "rationale": "Practice.",
        "layers": [
          {
            "id": "basics",
            "name": "Basics",
            "description": "Everyday finance.",
            "findings": [
              {
                "id": "basics-finding",
                "name": "Basics",
                "description": "Basics.",
                "questions": [
                  {
                    "text": "What general principles of budgeting, saving, borrowing and insurance do consumer bodies recommend?",
                    "kind": "provenance"
                  },
                  {
                    "text": "Which entry fits financial literacy?",
                    "kind": "action"
                  }
                ]
              }
            ]
          },
          {
            "id": "fraud",
            "name": "Fraud",
            "description": "Scams and protection.",
            "findings": [
              {
                "id": "fraud-finding",
                "name": "Fraud",
                "description": "Fraud.",
                "questions": [
                  {
                    "text": "How can financial scams be recognised, and what protections exist?",
                    "kind": "provenance"
                  },
                  {
                    "text": "Is a scam or fraud in progress, requiring the bank and authorities?",
                    "kind": "boundary"
                  }
                ]
              }
            ]
          }
        ]
      },
      {
        "id": "learn",
        "name": "Learn",
        "description": "Research and teaching.",
        "rationale": "Education.",
        "layers": [
          {
            "id": "research",
            "name": "Research",
            "description": "Research and debates.",
            "findings": [
              {
                "id": "research-finding",
                "name": "Research",
                "description": "Research.",
                "questions": [
                  {
                    "text": "What are current research and debates in finance, including behavioural finance and culturally grounded approaches such as Maori finance, with positions attributed?",
                    "kind": "provenance"
                  },
                  {
                    "text": "Which findings are contested?",
                    "kind": "boundary"
                  }
                ]
              }
            ]
          },
          {
            "id": "history",
            "name": "History",
            "description": "History.",
            "findings": [
              {
                "id": "history-finding",
                "name": "History",
                "description": "History.",
                "questions": [
                  {
                    "text": "How did finance develop from early banking to modern global markets and crises?",
                    "kind": "provenance"
                  },
                  {
                    "text": "Which references are standard?",
                    "kind": "provenance"
                  }
                ]
              }
            ]
          }
        ]
      }
    ]
  },
  "openQuestions": [
    "Should each branch be a separate entry?",
    "How should regulators be linked?",
    "How should literacy resources be linked?"
  ],
  "statistics": {
    "bundles": 4,
    "layers": 8,
    "findings": 8,
    "questions": 16
  }
}