{
  "generatedFrom": "Payments Signal canonical architecture registry",
  "reviewDate": "2026-07-23",
  "blueprint": {
    "id": "architecture-accounting-reconciliation",
    "slug": "accounting-ledger-settlement-reconciliation",
    "title": "Accounting, ledger posting, settlement evidence, and reconciliation data lineage",
    "shortTitle": "Accounting & reconciliation",
    "family": "foundation",
    "summary": "Follow one payment from business state to balanced entries, external settlement evidence, customer reporting, and a closed reconciliation break.",
    "audience": "Payment architects, finance-platform engineers, business analysts, controllers, treasury teams, and operations teams.",
    "reviewDate": "2026-07-23",
    "versionLabel": "Payments Signal reference architecture v1",
    "status": "current",
    "nodes": [
      {
        "id": "acct-payment-state",
        "title": "Payment state and accounting trigger",
        "kind": "service",
        "summary": "Turns an authorised business-state transition into one immutable accounting intent.",
        "responsibilities": [
          "Name the business event before posting",
          "Emit one stable accounting trigger for each eligible transition"
        ],
        "owner": "Payment engine and product owner",
        "inputs": [
          "Authorised business instruction and correlated state"
        ],
        "outputs": [
          "Versioned result, status, and audit evidence"
        ],
        "interfaceContracts": [
          "Versioned payment state and accounting trigger contract",
          "Stable identifier, state, error, and audit contract"
        ],
        "controls": [
          "State-transition guard",
          "Idempotency key",
          "Authorised product rule"
        ],
        "failureModes": [
          "Trigger emitted twice",
          "Posting requested before the business state is final enough"
        ],
        "recovery": [
          "Suppress the duplicate by business key",
          "Restore from the event journal and replay only the missing intent"
        ],
        "lenses": [
          "applications",
          "interfaces",
          "data",
          "controls",
          "operations",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "dataClassification": [
          "Payment, message, status, and operational metadata"
        ],
        "nonFunctionalRequirements": [
          "Durable correlation through stable business and technical identifiers",
          "Capacity and availability matched to the service-level objective",
          "Auditable state changes, configuration, and operator actions"
        ]
      },
      {
        "id": "acct-rule-engine",
        "title": "Accounting rule and event classifier",
        "kind": "application",
        "summary": "Selects the balanced debit and credit pattern for product, event, currency, fee, and settlement context.",
        "responsibilities": [
          "Resolve a versioned posting rule",
          "Keep principal, fee, tax, position, and suspense treatment explicit"
        ],
        "owner": "Finance architecture and product accounting",
        "inputs": [
          "Authorised business instruction and correlated state"
        ],
        "outputs": [
          "Versioned result, status, and audit evidence"
        ],
        "interfaceContracts": [
          "Versioned accounting rule and event classifier contract",
          "Stable identifier, state, error, and audit contract"
        ],
        "controls": [
          "Effective-dated rule",
          "Four-eyes change approval",
          "Balanced-template validation"
        ],
        "failureModes": [
          "Wrong rule version",
          "Unbalanced or incomplete posting template"
        ],
        "recovery": [
          "Stop before posting",
          "Correct the rule under change control and replay the original intent"
        ],
        "lenses": [
          "applications",
          "interfaces",
          "data",
          "controls",
          "operations",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "dataClassification": [
          "Payment, message, status, and operational metadata"
        ],
        "nonFunctionalRequirements": [
          "Durable correlation through stable business and technical identifiers",
          "Capacity and availability matched to the service-level objective",
          "Auditable state changes, configuration, and operator actions"
        ]
      },
      {
        "id": "acct-posting-service",
        "title": "Idempotent posting service",
        "kind": "service",
        "summary": "Creates a balanced journal atomically and returns a durable posting reference.",
        "responsibilities": [
          "Post all journal legs atomically",
          "Return the same outcome for a repeated business key"
        ],
        "owner": "Core ledger engineering",
        "inputs": [
          "Authorised business instruction and correlated state"
        ],
        "outputs": [
          "Versioned result, status, and audit evidence"
        ],
        "interfaceContracts": [
          "Versioned idempotent posting service contract",
          "Stable identifier, state, error, and audit contract"
        ],
        "controls": [
          "Balanced journal",
          "Optimistic concurrency",
          "Duplicate-key constraint"
        ],
        "failureModes": [
          "Partial journal",
          "Uncertain response after commit",
          "Ledger unavailable"
        ],
        "recovery": [
          "Query by business key before retry",
          "Resume from the last committed journal boundary"
        ],
        "lenses": [
          "applications",
          "interfaces",
          "data",
          "controls",
          "operations",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "dataClassification": [
          "Payment, message, status, and operational metadata"
        ],
        "nonFunctionalRequirements": [
          "Durable correlation through stable business and technical identifiers",
          "Capacity and availability matched to the service-level objective",
          "Auditable state changes, configuration, and operator actions"
        ]
      },
      {
        "id": "acct-product-ledger",
        "title": "Customer and product ledger",
        "kind": "ledger",
        "summary": "Records the institution's customer liability, receivable, fee, and product-position entries.",
        "responsibilities": [
          "Maintain balanced sub-ledger entries",
          "Expose booked, pending, blocked, and available balances distinctly"
        ],
        "owner": "Core banking and finance",
        "inputs": [
          "Authorised business instruction and correlated state"
        ],
        "outputs": [
          "Versioned result, status, and audit evidence"
        ],
        "interfaceContracts": [
          "Versioned customer and product ledger contract",
          "Stable identifier, state, error, and audit contract"
        ],
        "controls": [
          "Double-entry balance",
          "Account status",
          "Value-date and currency control"
        ],
        "failureModes": [
          "Wrong account",
          "Incorrect value date",
          "Balance projection differs from booked entries"
        ],
        "recovery": [
          "Use a controlled correcting journal",
          "Never overwrite the original financial entry"
        ],
        "lenses": [
          "applications",
          "interfaces",
          "data",
          "controls",
          "operations",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "dataClassification": [
          "Payment, message, status, and operational metadata"
        ],
        "nonFunctionalRequirements": [
          "Durable correlation through stable business and technical identifiers",
          "Capacity and availability matched to the service-level objective",
          "Auditable state changes, configuration, and operator actions"
        ]
      },
      {
        "id": "acct-settlement-books",
        "title": "Nostro, settlement, and position books",
        "kind": "ledger",
        "summary": "Records expected and confirmed movement in the external settlement asset.",
        "responsibilities": [
          "Separate expected cash from confirmed cash",
          "Track nostro, clearing, and settlement positions by value date and currency"
        ],
        "owner": "Treasury and finance",
        "inputs": [
          "Authorised business instruction and correlated state"
        ],
        "outputs": [
          "Versioned result, status, and audit evidence"
        ],
        "interfaceContracts": [
          "Versioned nostro, settlement, and position books contract",
          "Stable identifier, state, error, and audit contract"
        ],
        "controls": [
          "Settlement-account ownership",
          "Currency and value-date balance",
          "No unsupported finality claim"
        ],
        "failureModes": [
          "Expected settlement never arrives",
          "Statement entry has no internal expectation"
        ],
        "recovery": [
          "Open a reconciliation case",
          "Reclassify or reverse only with confirmed evidence"
        ],
        "lenses": [
          "applications",
          "interfaces",
          "data",
          "controls",
          "operations",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "bis-cpmi-pfmi",
              "locator": "Principles 8, 9, 10 and 24",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "CPMI-IOSCO Principles for financial market infrastructures"
          },
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "dataClassification": [
          "Payment, message, status, and operational metadata"
        ],
        "nonFunctionalRequirements": [
          "Durable correlation through stable business and technical identifiers",
          "Capacity and availability matched to the service-level objective",
          "Auditable state changes, configuration, and operator actions"
        ]
      },
      {
        "id": "acct-external-evidence",
        "title": "External statement and settlement evidence",
        "kind": "data-store",
        "summary": "Preserves network status, settlement confirmations, and account reports without treating a transport acknowledgement as settlement.",
        "responsibilities": [
          "Ingest and correlate external evidence",
          "Retain the source message, timestamp, and account context"
        ],
        "owner": "Payments operations and treasury",
        "inputs": [
          "Authorised business instruction and correlated state"
        ],
        "outputs": [
          "Versioned result, status, and audit evidence"
        ],
        "interfaceContracts": [
          "Versioned external statement and settlement evidence contract",
          "Stable identifier, state, error, and audit contract"
        ],
        "controls": [
          "Authenticity",
          "Sequence and completeness",
          "Message-to-account correlation"
        ],
        "failureModes": [
          "Missing statement",
          "Late status",
          "Duplicate report",
          "Conflicting evidence"
        ],
        "recovery": [
          "Request or retrieve the missing statement",
          "Keep the case open until the settlement state is proven"
        ],
        "lenses": [
          "applications",
          "interfaces",
          "data",
          "controls",
          "operations",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "bis-cpmi-pfmi",
              "locator": "Principles 8 and 23",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "CPMI-IOSCO Principles for financial market infrastructures"
          }
        ],
        "messageIds": [
          "pacs-002",
          "camt-052",
          "camt-053",
          "camt-054",
          "mt900",
          "mt910",
          "mt940",
          "mt950"
        ],
        "dataClassification": [
          "Payment, message, status, and operational metadata"
        ],
        "nonFunctionalRequirements": [
          "Durable correlation through stable business and technical identifiers",
          "Capacity and availability matched to the service-level objective",
          "Auditable state changes, configuration, and operator actions"
        ]
      },
      {
        "id": "acct-reconciliation",
        "title": "Reconciliation and break engine",
        "kind": "control",
        "summary": "Matches business events, journals, network evidence, settlement books, and statements at the same grain.",
        "responsibilities": [
          "Run deterministic multi-way matching",
          "Classify timing, data, amount, duplicate, and ownership breaks"
        ],
        "owner": "Finance and payments operations",
        "inputs": [
          "Authorised business instruction and correlated state"
        ],
        "outputs": [
          "Versioned result, status, and audit evidence"
        ],
        "interfaceContracts": [
          "Versioned reconciliation and break engine contract",
          "Stable identifier, state, error, and audit contract"
        ],
        "controls": [
          "Completeness totals",
          "Stable match keys",
          "Ageing and materiality",
          "No silent write-off"
        ],
        "failureModes": [
          "False match",
          "Unmatched cash",
          "Aged break without owner"
        ],
        "recovery": [
          "Undo the false match with audit evidence",
          "Route the break to its accountable team"
        ],
        "lenses": [
          "applications",
          "interfaces",
          "data",
          "controls",
          "operations",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "dataClassification": [
          "Payment, message, status, and operational metadata"
        ],
        "nonFunctionalRequirements": [
          "Durable correlation through stable business and technical identifiers",
          "Capacity and availability matched to the service-level objective",
          "Auditable state changes, configuration, and operator actions"
        ]
      },
      {
        "id": "acct-case-reporting",
        "title": "Break case, reporting, and close control",
        "kind": "operations",
        "summary": "Coordinates investigation, correction, attestation, and customer or regulatory reporting.",
        "responsibilities": [
          "Assign one accountable owner",
          "Close only when books and external evidence agree"
        ],
        "owner": "Reconciliation operations and finance control",
        "inputs": [
          "Authorised business instruction and correlated state"
        ],
        "outputs": [
          "Versioned result, status, and audit evidence"
        ],
        "interfaceContracts": [
          "Versioned break case, reporting, and close control contract",
          "Stable identifier, state, error, and audit contract"
        ],
        "controls": [
          "Maker-checker correction",
          "Ageing escalation",
          "Evidence-backed close"
        ],
        "failureModes": [
          "Premature close",
          "Correction fixes one ledger but opens another break"
        ],
        "recovery": [
          "Reopen from immutable evidence",
          "Re-run downstream reconciliation and reporting"
        ],
        "lenses": [
          "applications",
          "interfaces",
          "data",
          "controls",
          "operations",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "dataClassification": [
          "Payment, message, status, and operational metadata"
        ],
        "nonFunctionalRequirements": [
          "Durable correlation through stable business and technical identifiers",
          "Capacity and availability matched to the service-level objective",
          "Auditable state changes, configuration, and operator actions"
        ]
      }
    ],
    "interfaces": [
      {
        "id": "acct-e1",
        "from": "acct-payment-state",
        "to": "acct-rule-engine",
        "title": "Accounting intent",
        "kind": "event",
        "mode": "asynchronous",
        "purpose": "Carry the authorised business event and stable key.",
        "failureBehaviour": "A missing event leaves business state ahead of accounting; replay from the journal.",
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "controls": [
          "Authentication and authorisation",
          "Integrity and replay protection",
          "Correlation and audit evidence"
        ],
        "lenses": [
          "interfaces",
          "data",
          "ledger",
          "controls",
          "operations",
          "resilience"
        ],
        "dataClassification": [
          "Payment instruction, status, and correlation metadata"
        ]
      },
      {
        "id": "acct-e2",
        "from": "acct-rule-engine",
        "to": "acct-posting-service",
        "title": "Balanced posting command",
        "kind": "posting",
        "mode": "synchronous",
        "purpose": "Submit the effective-dated journal template.",
        "failureBehaviour": "Reject an unbalanced or unknown rule before the ledger boundary.",
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "controls": [
          "Authentication and authorisation",
          "Integrity and replay protection",
          "Correlation and audit evidence"
        ],
        "lenses": [
          "interfaces",
          "data",
          "ledger",
          "controls",
          "operations",
          "resilience"
        ],
        "dataClassification": [
          "Payment instruction, status, and correlation metadata"
        ]
      },
      {
        "id": "acct-e3",
        "from": "acct-posting-service",
        "to": "acct-product-ledger",
        "title": "Product journal",
        "kind": "posting",
        "mode": "synchronous",
        "purpose": "Post customer and product entries atomically.",
        "failureBehaviour": "Query by business key before any retry after an uncertain response.",
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "controls": [
          "Authentication and authorisation",
          "Integrity and replay protection",
          "Correlation and audit evidence"
        ],
        "lenses": [
          "interfaces",
          "data",
          "ledger",
          "controls",
          "operations",
          "resilience"
        ],
        "dataClassification": [
          "Payment instruction, status, and correlation metadata"
        ]
      },
      {
        "id": "acct-e4",
        "from": "acct-posting-service",
        "to": "acct-settlement-books",
        "title": "Settlement journal",
        "kind": "posting",
        "mode": "synchronous",
        "purpose": "Record expected or confirmed external cash movement.",
        "failureBehaviour": "Preserve expected-versus-confirmed distinction when evidence is late.",
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "controls": [
          "Authentication and authorisation",
          "Integrity and replay protection",
          "Correlation and audit evidence"
        ],
        "lenses": [
          "interfaces",
          "data",
          "ledger",
          "controls",
          "operations",
          "resilience"
        ],
        "dataClassification": [
          "Payment instruction, status, and correlation metadata"
        ]
      },
      {
        "id": "acct-e5",
        "from": "acct-external-evidence",
        "to": "acct-settlement-books",
        "title": "Settlement confirmation",
        "kind": "message",
        "mode": "asynchronous",
        "purpose": "Update confirmed settlement only from qualifying evidence.",
        "messageIds": [
          "camt-053",
          "camt-054",
          "mt940",
          "mt950"
        ],
        "failureBehaviour": "Quarantine duplicate, out-of-sequence, or conflicting reports.",
        "evidence": [
          {
            "ref": {
              "sourceId": "bis-cpmi-pfmi",
              "locator": "Principle 8",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "CPMI-IOSCO Principles for financial market infrastructures"
          }
        ],
        "controls": [
          "Authentication and authorisation",
          "Integrity and replay protection",
          "Correlation and audit evidence"
        ],
        "lenses": [
          "interfaces",
          "data",
          "ledger",
          "controls",
          "operations",
          "resilience"
        ],
        "dataClassification": [
          "Payment instruction, status, and correlation metadata"
        ]
      },
      {
        "id": "acct-e6",
        "from": "acct-product-ledger",
        "to": "acct-reconciliation",
        "title": "Internal book extract",
        "kind": "file",
        "mode": "batch",
        "purpose": "Provide immutable journal and balance detail.",
        "failureBehaviour": "Stop the run when extract completeness totals fail.",
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "controls": [
          "Authentication and authorisation",
          "Integrity and replay protection",
          "Correlation and audit evidence"
        ],
        "lenses": [
          "interfaces",
          "data",
          "ledger",
          "controls",
          "operations",
          "resilience"
        ],
        "dataClassification": [
          "Payment instruction, status, and correlation metadata"
        ]
      },
      {
        "id": "acct-e7",
        "from": "acct-settlement-books",
        "to": "acct-reconciliation",
        "title": "Settlement-book extract",
        "kind": "file",
        "mode": "batch",
        "purpose": "Provide expected and confirmed position detail.",
        "failureBehaviour": "Keep unmatched items open by value date and currency.",
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "controls": [
          "Authentication and authorisation",
          "Integrity and replay protection",
          "Correlation and audit evidence"
        ],
        "lenses": [
          "interfaces",
          "data",
          "ledger",
          "controls",
          "operations",
          "resilience"
        ],
        "dataClassification": [
          "Payment instruction, status, and correlation metadata"
        ]
      },
      {
        "id": "acct-e8",
        "from": "acct-external-evidence",
        "to": "acct-reconciliation",
        "title": "External evidence feed",
        "kind": "message",
        "mode": "asynchronous",
        "purpose": "Match network and account evidence to internal expectations.",
        "failureBehaviour": "Do not infer settlement from a delivery acknowledgement.",
        "evidence": [
          {
            "ref": {
              "sourceId": "bis-cpmi-pfmi",
              "locator": "Principles 8 and 23",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "CPMI-IOSCO Principles for financial market infrastructures"
          }
        ],
        "controls": [
          "Authentication and authorisation",
          "Integrity and replay protection",
          "Correlation and audit evidence"
        ],
        "lenses": [
          "interfaces",
          "data",
          "ledger",
          "controls",
          "operations",
          "resilience"
        ],
        "dataClassification": [
          "Payment instruction, status, and correlation metadata"
        ]
      },
      {
        "id": "acct-e9",
        "from": "acct-reconciliation",
        "to": "acct-case-reporting",
        "title": "Reconciliation break",
        "kind": "operator",
        "mode": "operator",
        "purpose": "Assign a classified break with its evidence.",
        "failureBehaviour": "Age and escalate an unowned or unresolved break.",
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "controls": [
          "Authentication and authorisation",
          "Integrity and replay protection",
          "Correlation and audit evidence"
        ],
        "lenses": [
          "interfaces",
          "data",
          "ledger",
          "controls",
          "operations",
          "resilience"
        ],
        "dataClassification": [
          "Payment instruction, status, and correlation metadata"
        ]
      }
    ],
    "views": [
      {
        "id": "context",
        "label": "Context",
        "plainPurpose": "Who depends on the architecture, which external service it reaches, and where value ultimately moves.",
        "nodeIds": [
          "acct-rule-engine",
          "acct-product-ledger",
          "acct-settlement-books"
        ],
        "interfaceIds": [],
        "placements": {
          "acct-rule-engine": {
            "x": 80,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "acct-product-ledger": {
            "x": 444,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "acct-settlement-books": {
            "x": 808,
            "y": 100,
            "width": 244,
            "height": 126
          }
        },
        "boundaries": [
          {
            "id": "context-bank-boundary",
            "label": "Institution-controlled boundary",
            "nodeIds": [
              "acct-rule-engine",
              "acct-product-ledger",
              "acct-settlement-books"
            ],
            "kind": "ownership"
          }
        ]
      },
      {
        "id": "container",
        "label": "Container",
        "plainPurpose": "The major applications, stores, gateways, controls, and operational ownership boundaries.",
        "nodeIds": [
          "acct-rule-engine",
          "acct-product-ledger",
          "acct-settlement-books",
          "acct-external-evidence",
          "acct-reconciliation",
          "acct-case-reporting"
        ],
        "interfaceIds": [
          "acct-e5",
          "acct-e6",
          "acct-e7",
          "acct-e8",
          "acct-e9"
        ],
        "placements": {
          "acct-rule-engine": {
            "x": 80,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "acct-product-ledger": {
            "x": 444,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "acct-settlement-books": {
            "x": 808,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "acct-external-evidence": {
            "x": 80,
            "y": 326,
            "width": 244,
            "height": 126
          },
          "acct-reconciliation": {
            "x": 444,
            "y": 326,
            "width": 244,
            "height": 126
          },
          "acct-case-reporting": {
            "x": 808,
            "y": 326,
            "width": 244,
            "height": 126
          }
        },
        "boundaries": [
          {
            "id": "container-bank-boundary",
            "label": "Institution-controlled boundary",
            "nodeIds": [
              "acct-rule-engine",
              "acct-product-ledger",
              "acct-settlement-books",
              "acct-external-evidence",
              "acct-reconciliation",
              "acct-case-reporting"
            ],
            "kind": "ownership"
          }
        ]
      },
      {
        "id": "component",
        "label": "Component",
        "plainPurpose": "The processing responsibilities and interface contracts that must cooperate for one payment.",
        "nodeIds": [
          "acct-payment-state",
          "acct-rule-engine",
          "acct-posting-service",
          "acct-product-ledger",
          "acct-settlement-books",
          "acct-external-evidence",
          "acct-reconciliation",
          "acct-case-reporting"
        ],
        "interfaceIds": [
          "acct-e1",
          "acct-e2",
          "acct-e3",
          "acct-e4",
          "acct-e5",
          "acct-e6",
          "acct-e7",
          "acct-e8",
          "acct-e9"
        ],
        "placements": {
          "acct-payment-state": {
            "x": 80,
            "y": 100,
            "width": 196,
            "height": 126
          },
          "acct-rule-engine": {
            "x": 376,
            "y": 100,
            "width": 196,
            "height": 126
          },
          "acct-posting-service": {
            "x": 672,
            "y": 100,
            "width": 196,
            "height": 126
          },
          "acct-product-ledger": {
            "x": 968,
            "y": 100,
            "width": 196,
            "height": 126
          },
          "acct-settlement-books": {
            "x": 80,
            "y": 326,
            "width": 196,
            "height": 126
          },
          "acct-external-evidence": {
            "x": 376,
            "y": 326,
            "width": 196,
            "height": 126
          },
          "acct-reconciliation": {
            "x": 672,
            "y": 326,
            "width": 196,
            "height": 126
          },
          "acct-case-reporting": {
            "x": 968,
            "y": 326,
            "width": 196,
            "height": 126
          }
        },
        "boundaries": [
          {
            "id": "component-bank-boundary",
            "label": "Institution-controlled boundary",
            "nodeIds": [
              "acct-payment-state",
              "acct-rule-engine",
              "acct-posting-service",
              "acct-product-ledger",
              "acct-settlement-books",
              "acct-external-evidence",
              "acct-reconciliation",
              "acct-case-reporting"
            ],
            "kind": "ownership"
          }
        ]
      },
      {
        "id": "deployment",
        "label": "Deployment",
        "plainPurpose": "The trust zones, runtime dependencies, external connections, and recovery boundaries.",
        "nodeIds": [
          "acct-rule-engine",
          "acct-product-ledger",
          "acct-settlement-books",
          "acct-external-evidence"
        ],
        "interfaceIds": [
          "acct-e5"
        ],
        "placements": {
          "acct-rule-engine": {
            "x": 80,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "acct-product-ledger": {
            "x": 444,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "acct-settlement-books": {
            "x": 808,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "acct-external-evidence": {
            "x": 80,
            "y": 326,
            "width": 244,
            "height": 126
          }
        },
        "boundaries": [
          {
            "id": "deployment-bank-boundary",
            "label": "Institution-controlled boundary",
            "nodeIds": [
              "acct-rule-engine",
              "acct-product-ledger",
              "acct-settlement-books",
              "acct-external-evidence"
            ],
            "kind": "ownership"
          }
        ]
      }
    ],
    "traces": [
      {
        "id": "acct-payment-to-close",
        "label": "Payment to balanced books",
        "summary": "Follow a payment from its accounting trigger to a reconciled external settlement record.",
        "viewId": "component",
        "steps": [
          {
            "id": "acct-payment-to-close-step-1",
            "title": "Authorise the accounting event",
            "nodeId": "acct-payment-state",
            "interfaceId": "acct-e1",
            "plainExplanation": "The payment transition produces one immutable accounting intent.",
            "businessState": "Business state confirmed"
          },
          {
            "id": "acct-payment-to-close-step-2",
            "title": "Select the journal rule",
            "nodeId": "acct-rule-engine",
            "interfaceId": "acct-e2",
            "plainExplanation": "The effective product and event rule names every debit and credit.",
            "businessState": "Balanced template selected"
          },
          {
            "id": "acct-payment-to-close-step-3",
            "title": "Post once",
            "nodeId": "acct-posting-service",
            "interfaceId": "acct-e3",
            "plainExplanation": "The posting service commits atomically under the payment's stable business key.",
            "businessState": "Journal committed",
            "ledgerEffect": "Balanced journal reference recorded."
          },
          {
            "id": "acct-payment-to-close-step-4",
            "title": "Update product books",
            "nodeId": "acct-product-ledger",
            "interfaceId": "acct-e6",
            "plainExplanation": "Customer liability and product entries are now booked.",
            "businessState": "Customer and product books updated"
          },
          {
            "id": "acct-payment-to-close-step-5",
            "title": "Receive settlement evidence",
            "nodeId": "acct-external-evidence",
            "interfaceId": "acct-e8",
            "plainExplanation": "The network status and account report are preserved with their source context.",
            "businessState": "External outcome evidenced",
            "messageIds": [
              "camt-053",
              "camt-054"
            ]
          },
          {
            "id": "acct-payment-to-close-step-6",
            "title": "Match every layer",
            "nodeId": "acct-reconciliation",
            "interfaceId": "acct-e9",
            "plainExplanation": "Business state, journal, settlement position, and statement agree.",
            "businessState": "Reconciled"
          },
          {
            "id": "acct-payment-to-close-step-7",
            "title": "Close with evidence",
            "nodeId": "acct-case-reporting",
            "plainExplanation": "The close record identifies the match, reviewer, and retained evidence.",
            "businessState": "Control closed"
          }
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          },
          {
            "ref": {
              "sourceId": "bis-cpmi-pfmi",
              "locator": "Principles 8, 23 and 24",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "CPMI-IOSCO Principles for financial market infrastructures"
          }
        ]
      }
    ],
    "stressCases": [
      {
        "id": "acct-stress-duplicate",
        "label": "Duplicate accounting trigger",
        "trigger": "The same business event is delivered twice.",
        "divergesAfterStepId": "acct-payment-to-close-step-2",
        "traceId": "acct-payment-to-close",
        "affectedNodeIds": [
          "acct-payment-state",
          "acct-posting-service"
        ],
        "affectedInterfaceIds": [
          "acct-e1",
          "acct-e2"
        ],
        "lastConfirmedState": "The first accounting intent is recorded.",
        "settlementState": "External settlement is unchanged.",
        "fundsState": "The first balanced journal remains authoritative.",
        "owner": "Core ledger engineering",
        "safeAction": "Query the posting result by business key; do not issue a second journal.",
        "requiredEvidence": [
          "Business key",
          "Event sequence",
          "Existing journal reference"
        ],
        "recoverySteps": [
          "Return the existing result",
          "Record the duplicate as an operational metric"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ]
      },
      {
        "id": "acct-stress-uncertain",
        "label": "Ledger response is uncertain",
        "trigger": "The ledger commits but the response is lost.",
        "divergesAfterStepId": "acct-payment-to-close-step-3",
        "traceId": "acct-payment-to-close",
        "affectedNodeIds": [
          "acct-posting-service",
          "acct-product-ledger"
        ],
        "affectedInterfaceIds": [
          "acct-e3"
        ],
        "lastConfirmedState": "The posting command was accepted; the response is unknown.",
        "settlementState": "External settlement may not yet have occurred.",
        "fundsState": "A journal may already exist.",
        "owner": "Core ledger operations",
        "safeAction": "Look up the immutable business key before deciding whether any replay is safe.",
        "requiredEvidence": [
          "Ledger transaction log",
          "Business key",
          "Journal balance"
        ],
        "recoverySteps": [
          "Confirm the existing journal",
          "Resume downstream processing without reposting"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ]
      },
      {
        "id": "acct-stress-break",
        "label": "Statement does not match the settlement book",
        "trigger": "A confirmed account entry has no matching internal expectation.",
        "divergesAfterStepId": "acct-payment-to-close-step-6",
        "traceId": "acct-payment-to-close",
        "affectedNodeIds": [
          "acct-external-evidence",
          "acct-reconciliation",
          "acct-case-reporting"
        ],
        "affectedInterfaceIds": [
          "acct-e8",
          "acct-e9"
        ],
        "lastConfirmedState": "The external statement entry is authentic but unmatched.",
        "settlementState": "The statement is evidence that cash moved on the external account.",
        "fundsState": "Internal settlement books remain incomplete.",
        "owner": "Treasury reconciliation",
        "safeAction": "Open a break; do not manufacture an expectation or reverse customer books without investigation.",
        "requiredEvidence": [
          "Original statement",
          "Account and value date",
          "Network references",
          "Internal journals"
        ],
        "recoverySteps": [
          "Classify the break",
          "Correct through an approved journal",
          "Re-run all affected reconciliations"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "bis-cpmi-pfmi",
              "locator": "Principles 23 and 24",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "CPMI-IOSCO Principles for financial market infrastructures"
          },
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ]
      }
    ],
    "overlays": [
      {
        "id": "acct-overlay-domestic",
        "label": "Domestic account transfer",
        "summary": "Show the instruction, product posting, settlement expectation, account evidence, and reconciliation for a domestic credit transfer.",
        "nodeIds": [
          "acct-payment-state",
          "acct-rule-engine",
          "acct-posting-service",
          "acct-product-ledger",
          "acct-settlement-books",
          "acct-external-evidence",
          "acct-reconciliation"
        ],
        "interfaceIds": [
          "acct-e1",
          "acct-e2",
          "acct-e3",
          "acct-e4",
          "acct-e5",
          "acct-e6",
          "acct-e7",
          "acct-e8"
        ],
        "relatedFlowIds": [
          "flow-domestic-credit"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "coverageGap": "Posting timing and external settlement evidence depend on the selected domestic rail and bank product."
      },
      {
        "id": "acct-overlay-iso-reporting",
        "label": "ISO 20022 reporting",
        "summary": "Use camt status, notification, and statement evidence to reconcile internal expectations.",
        "nodeIds": [
          "acct-external-evidence",
          "acct-settlement-books",
          "acct-reconciliation"
        ],
        "interfaceIds": [
          "acct-e5",
          "acct-e8"
        ],
        "relatedFlowIds": [
          "flow-cbpr-corporate-lifecycle",
          "flow-sct",
          "flow-sct-inst"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "iso20022-catalogue",
              "locator": "Cash-management reporting messages",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "ISO 20022 message catalogue"
          }
        ]
      },
      {
        "id": "acct-overlay-mt-reporting",
        "label": "Legacy MT reporting",
        "summary": "Correlate MT debit, credit, and statement advice without implying a perfect one-to-one MX mapping.",
        "nodeIds": [
          "acct-external-evidence",
          "acct-reconciliation"
        ],
        "interfaceIds": [
          "acct-e5",
          "acct-e8"
        ],
        "relatedFlowIds": [
          "flow-mt-corporate-lifecycle",
          "flow-swift-serial",
          "flow-swift-cover"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-standards-mt",
              "locator": "MT cash-management and advice families",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Current Swift Standards MT release"
          }
        ],
        "coverageGap": "Field availability and statement practices depend on the current Swift release and account-servicing agreement."
      }
    ],
    "decisions": [
      {
        "id": "acct-decision-trigger",
        "question": "When does a business state become eligible for accounting?",
        "options": [
          {
            "label": "Earlier reservation",
            "consequence": "Shows exposure and available balance sooner, but needs explicit pending and release treatment."
          },
          {
            "label": "Later final posting",
            "consequence": "Reduces reversals but can hide intraday exposure and customer availability."
          }
        ],
        "guidance": "Name reservation, pending, booked, value-dated, and settled states separately; do not overload one status.",
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ]
      },
      {
        "id": "acct-decision-recon",
        "question": "Should reconciliation correct books automatically?",
        "options": [
          {
            "label": "Rule-bound auto-correction",
            "consequence": "Can close known low-risk timing classes quickly, but every rule needs limits and audit evidence."
          },
          {
            "label": "Operator-approved correction",
            "consequence": "Adds review time but is safer for ambiguous cash and material breaks."
          }
        ],
        "guidance": "Automate deterministic matches; require controlled approval where ownership, settlement, or financial impact is uncertain.",
        "evidence": [
          {
            "ref": {
              "sourceId": "bis-cpmi-pfmi",
              "locator": "Principles 17, 23 and 24",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "CPMI-IOSCO Principles for financial market infrastructures"
          },
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Accounting, settlement evidence, and reconciliation lineage",
              "label": "simplified-educational-illustration",
              "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ]
      }
    ],
    "targets": [
      {
        "type": "flow",
        "id": "flow-domestic-credit"
      },
      {
        "type": "message",
        "id": "pacs-002"
      },
      {
        "type": "message",
        "id": "camt-052"
      },
      {
        "type": "message",
        "id": "camt-053"
      },
      {
        "type": "message",
        "id": "camt-054"
      },
      {
        "type": "message",
        "id": "mt900"
      },
      {
        "type": "message",
        "id": "mt910"
      },
      {
        "type": "message",
        "id": "mt940"
      },
      {
        "type": "message",
        "id": "mt941"
      },
      {
        "type": "message",
        "id": "mt942"
      },
      {
        "type": "message",
        "id": "mt950"
      },
      {
        "type": "mapping",
        "id": "mt940-to-camt-053"
      },
      {
        "type": "mapping",
        "id": "mt941-to-camt-052"
      },
      {
        "type": "mapping",
        "id": "mt942-to-camt-052"
      },
      {
        "type": "mapping",
        "id": "mt950-to-camt-053"
      },
      {
        "type": "mapping",
        "id": "mt900-to-camt-054"
      },
      {
        "type": "mapping",
        "id": "mt910-to-camt-054"
      }
    ],
    "glossaryTermIds": [
      "accounting-entry",
      "available-balance",
      "booked-balance",
      "nostro-account",
      "reconciliation",
      "settlement-finality",
      "suspense-account",
      "value-date"
    ],
    "evidence": [
      {
        "ref": {
          "sourceId": "payments-signal-editorial",
          "locator": "Accounting, settlement evidence, and reconciliation lineage",
          "label": "simplified-educational-illustration",
          "simplifications": "The posting model is a vendor-neutral control pattern. Product accounting, legal books, chart of accounts, posting timing, and suspense treatment differ by institution and jurisdiction."
        },
        "verifiedDate": "2026-07-23",
        "versionContext": "Payments Signal reference architecture v1"
      },
      {
        "ref": {
          "sourceId": "bis-cpmi-pfmi",
          "locator": "Principles 8, 9, 10, 17, 23 and 24",
          "label": "official-requirement"
        },
        "verifiedDate": "2026-07-23",
        "versionContext": "CPMI-IOSCO Principles for financial market infrastructures"
      }
    ],
    "simplifies": "This blueprint separates business state, accounting intent, product books, settlement books, external evidence, and reconciliation because those distinctions prevent unsafe retries. Real institutions may use several sub-ledgers, general ledgers, nostro platforms, data warehouses, and finance controls; legal posting rules and correction authority vary."
  },
  "sources": [
    {
      "id": "payments-signal-editorial",
      "publisher": "Payments Signal",
      "title": "Payments Signal editorial teaching models",
      "sourceType": "educational-simplification",
      "accessedDate": "2026-07-12",
      "applicability": "This site's own simplified teaching models.",
      "notes": "Used wherever diagrams, scenarios, figures, or example values are didactic constructions rather than sourced facts; every such use carries a simplifications disclosure. All people, companies, banks, and list entries in examples are fictional."
    },
    {
      "id": "bis-cpmi-pfmi",
      "publisher": "CPMI and IOSCO (Bank for International Settlements)",
      "title": "Principles for financial market infrastructures",
      "sourceType": "industry-paper",
      "publicationDate": "2012-04-16",
      "accessedDate": "2026-07-12",
      "url": "https://www.bis.org/cpmi/publ/d101.htm",
      "applicability": "International risk-management standards for systemically important payment systems and other financial market infrastructures.",
      "notes": "Published by the CPSS (now CPMI) and IOSCO; contains 24 principles plus responsibilities for authorities. This site uses it only for high-level concepts such as settlement finality."
    }
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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    {
      "type": "article",
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      "type": "article",
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    {
      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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    {
      "type": "article",
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    {
      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
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      "type": "article",
      "label": "TARGET2-Securities: DvP Settlement in Central-Bank Money",
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    {
      "type": "article",
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      "type": "article",
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    {
      "type": "article",
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    {
      "type": "article",
      "label": "The pain.001 payment initiation",
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      "type": "article",
      "label": "The Payment Engine Problem",
      "href": "/2026/07/13/the-payment-engine-problem",
      "coverage": "derived"
    },
    {
      "type": "article",
      "label": "The real cost of payments",
      "href": "/2026/07/13/the-real-cost-of-payments",
      "coverage": "derived"
    },
    {
      "type": "article",
      "label": "The SWIFT KYC Registry",
      "href": "/2026/07/13/the-swift-kyc-registry",
      "coverage": "derived"
    },
    {
      "type": "article",
      "label": "The SWIFT Payment Controls Service",
      "href": "/2026/07/13/swift-payment-controls-service",
      "coverage": "derived"
    },
    {
      "type": "article",
      "label": "Thunes and quote-then-pay cross-border networks",
      "href": "/2026/07/13/thunes-and-quote-then-pay-networks",
      "coverage": "derived"
    },
    {
      "type": "article",
      "label": "TIPS: instant settlement in central-bank money",
      "href": "/2026/07/13/tips-instant-settlement",
      "coverage": "derived"
    },
    {
      "type": "article",
      "label": "Treasury liquidity: pooling, sweeping, and virtual accounts",
      "href": "/2026/07/18/treasury-liquidity-pooling-sweeping-and-virtual-accounts",
      "coverage": "derived"
    },
    {
      "type": "article",
      "label": "Understand payments in 10 days (No Charge)",
      "href": "/2026/07/13/understand-payments-in-10-days-no-charge",
      "coverage": "derived"
    },
    {
      "type": "article",
      "label": "US ACH and National Settlement",
      "href": "/2026/07/13/us-ach-and-national-settlement",
      "coverage": "derived"
    },
    {
      "type": "article",
      "label": "US Real-Time Payments (RTP)",
      "href": "/2026/07/13/us-real-time-payments-rtp",
      "coverage": "derived"
    },
    {
      "type": "article",
      "label": "WELCOME",
      "href": "/2026/07/13/welcome",
      "coverage": "derived"
    },
    {
      "type": "article",
      "label": "What a payment declares about itself — and who carries it",
      "href": "/2026/07/16/iso-20022-payment-codes-and-agents",
      "coverage": "derived"
    },
    {
      "type": "flow",
      "label": "A simple domestic transfer",
      "href": "/explore/domestic-credit",
      "coverage": "direct"
    },
    {
      "type": "flow",
      "label": "CBPR+ corporate payment — full MX lifecycle",
      "href": "/explore/cbpr-corporate-lifecycle",
      "coverage": "direct"
    },
    {
      "type": "flow",
      "label": "Corporate payment — legacy MT lifecycle",
      "href": "/explore/mt-corporate-lifecycle",
      "coverage": "direct"
    },
    {
      "type": "flow",
      "label": "SEPA Credit Transfer",
      "href": "/explore/sct",
      "coverage": "direct"
    },
    {
      "type": "flow",
      "label": "SEPA Instant Credit Transfer",
      "href": "/explore/sct-inst",
      "coverage": "direct"
    },
    {
      "type": "flow",
      "label": "SWIFT cover payment (MT103 + MT202 COV)",
      "href": "/explore/swift-cover",
      "coverage": "direct"
    },
    {
      "type": "flow",
      "label": "SWIFT serial payment (MT103)",
      "href": "/explore/swift-serial",
      "coverage": "direct"
    },
    {
      "type": "glossary",
      "label": "ACH (Automated Clearing House)",
      "href": "/glossary#ach",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Authorised push payment fraud",
      "href": "/glossary#authorised-push-payment-fraud",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Authorized Dealer bank",
      "href": "/glossary#authorized-dealer-bank",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Behavioural analytics",
      "href": "/glossary#behavioural-analytics",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Beneficiary",
      "href": "/glossary#beneficiary",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Book payment",
      "href": "/glossary#book-payment",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "camt family",
      "href": "/glossary#camt",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "camt.029",
      "href": "/glossary#camt-029",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "camt.056",
      "href": "/glossary#camt-056",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Canonical format",
      "href": "/glossary#canonical-format",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Cash sweeping",
      "href": "/glossary#cash-sweeping",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "CDFCPS",
      "href": "/glossary#cdfcps",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Central bank digital currency (CBDC)",
      "href": "/glossary#cbdc",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Central bank money",
      "href": "/glossary#central-bank-money",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Central Liquidity Management (CLM)",
      "href": "/glossary#central-liquidity-management",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "CHAPS",
      "href": "/glossary#chaps",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Charge bearer",
      "href": "/glossary#charge-bearer",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "CHATS (Clearing House Automated Transfer System)",
      "href": "/glossary#chats",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Cheque",
      "href": "/glossary#cheque",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Cheque return",
      "href": "/glossary#cheque-return",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Cheque truncation",
      "href": "/glossary#cheque-truncation",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "CHIPS",
      "href": "/glossary#chips",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "CIPS (Cross-border Interbank Payment System)",
      "href": "/glossary#cips",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Clearing",
      "href": "/glossary#clearing",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Clearing house",
      "href": "/glossary#clearing-house",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "CLS",
      "href": "/glossary#cls",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "CLS settlement",
      "href": "/glossary#cls-settlement",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Collecting bank",
      "href": "/glossary#collecting-bank",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Commercial bank money",
      "href": "/glossary#commercial-bank-money",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Confirmation of Payee",
      "href": "/glossary#confirmation-of-payee",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Correspondent banking",
      "href": "/glossary#correspondent-banking",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Cover payment",
      "href": "/glossary#cover-payment",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Credit transfer",
      "href": "/glossary#credit-transfer",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Creditor",
      "href": "/glossary#creditor",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Creditor agent",
      "href": "/glossary#creditor-agent",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Cross-border payment network",
      "href": "/glossary#cross-border-network",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "CSM",
      "href": "/glossary#csm",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Cut-off",
      "href": "/glossary#cut-off",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Debtor",
      "href": "/glossary#debtor",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Debtor agent",
      "href": "/glossary#debtor-agent",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Deferred net settlement",
      "href": "/glossary#deferred-net-settlement",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Deferred net settlement cycle",
      "href": "/glossary#deferred-net-settlement-cycle",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Direct debit",
      "href": "/glossary#direct-debit",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Direct participant",
      "href": "/glossary#direct-participant",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Distributed clearing",
      "href": "/glossary#distributed-clearing",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Drawee bank (paying bank)",
      "href": "/glossary#drawee-bank",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "E-money institution (EMI)",
      "href": "/glossary#e-money-institution",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "ESMIG (Eurosystem Single Market Infrastructure Gateway)",
      "href": "/glossary#esmig",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "EURO1",
      "href": "/glossary#euro1",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "euroSIC",
      "href": "/glossary#eurosic",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "FedNow Service",
      "href": "/glossary#fednow",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Fedwire Funds Service",
      "href": "/glossary#fedwire",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Form A2",
      "href": "/glossary#form-a2",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "FX settlement instruction",
      "href": "/glossary#fx-settlement-instruction",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Herstatt risk",
      "href": "/glossary#herstatt-risk",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "IBAN",
      "href": "/glossary#iban",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Image-based clearing",
      "href": "/glossary#image-based-clearing",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "IMPS (Immediate Payment Service)",
      "href": "/glossary#imps",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Indirect participant",
      "href": "/glossary#indirect-participant",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Input credit file",
      "href": "/glossary#input-credit-file",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Instant payment",
      "href": "/glossary#instant-payment",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Instructing / instructed agent",
      "href": "/glossary#instructing-instructed-agent",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Intermediary agent",
      "href": "/glossary#intermediary-agent",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Intraday liquidity",
      "href": "/glossary#intraday-liquidity",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Large-value payment system",
      "href": "/glossary#large-value-payment-system",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Liberalised Remittance Scheme (LRS)",
      "href": "/glossary#liberalised-remittance-scheme",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Loro account",
      "href": "/glossary#loro-account",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Lynx",
      "href": "/glossary#lynx",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Message template",
      "href": "/glossary#message-template",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Money mule",
      "href": "/glossary#money-mule",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Money transfer operator (MTO)",
      "href": "/glossary#money-transfer-operator",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "MT101",
      "href": "/glossary#mt101",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "MT102",
      "href": "/glossary#mt102",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "MT103",
      "href": "/glossary#mt103",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "MT104",
      "href": "/glossary#mt104",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "MT202",
      "href": "/glossary#mt202",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "MT202 COV",
      "href": "/glossary#mt202-cov",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "MT205",
      "href": "/glossary#mt205",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "MT210",
      "href": "/glossary#mt210",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "MT300 Foreign Exchange Confirmation",
      "href": "/glossary#mt300",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Nacha",
      "href": "/glossary#nacha",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Name verification service",
      "href": "/glossary#name-verification-service",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "National Settlement Service (NSS)",
      "href": "/glossary#national-settlement-service",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Nostro account",
      "href": "/glossary#nostro-account",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Notional cash pooling",
      "href": "/glossary#notional-cash-pooling",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "NPP (New Payments Platform)",
      "href": "/glossary#npp",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "On-us payment",
      "href": "/glossary#on-us-payment",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Open banking",
      "href": "/glossary#open-banking",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Ordering customer",
      "href": "/glossary#ordering-customer",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "pacs family",
      "href": "/glossary#pacs",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "pacs.002",
      "href": "/glossary#pacs-002",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "pacs.004",
      "href": "/glossary#pacs-004",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "pacs.008",
      "href": "/glossary#pacs-008",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "pacs.009",
      "href": "/glossary#pacs-009",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "pain family",
      "href": "/glossary#pain",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "pain.001",
      "href": "/glossary#pain-001",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Pay-in schedule",
      "href": "/glossary#pay-in-schedule",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Payment",
      "href": "/glossary#payment",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Payment engine",
      "href": "/glossary#payment-engine",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Payment hub",
      "href": "/glossary#payment-hub",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Payment institution (PI)",
      "href": "/glossary#payment-institution",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Payment instrument",
      "href": "/glossary#payment-instrument",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Payment market infrastructure",
      "href": "/glossary#market-infrastructure",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Payment orchestration",
      "href": "/glossary#orchestration",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Payment rail",
      "href": "/glossary#payment-rail",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Payment scheme",
      "href": "/glossary#payment-scheme",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Payment Systems Regulator (PSR)",
      "href": "/glossary#psr",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Payment versus payment (PvP)",
      "href": "/glossary#payment-versus-payment",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Physical cash pooling",
      "href": "/glossary#physical-cash-pooling",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Pix",
      "href": "/glossary#pix",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Proxy addressing",
      "href": "/glossary#proxy-addressing",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "PSD2 (Second Payment Services Directive)",
      "href": "/glossary#psd2",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "PSP",
      "href": "/glossary#psp",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "PvP-linked settlement",
      "href": "/glossary#pvp-linked-settlement",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Quote-then-pay",
      "href": "/glossary#quote-then-pay",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "R-transaction",
      "href": "/glossary#r-transaction",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Real-time payments",
      "href": "/glossary#real-time-payments",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Recall",
      "href": "/glossary#recall",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Reconciliation",
      "href": "/glossary#reconciliation",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Reference data",
      "href": "/glossary#reference-data",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Reject",
      "href": "/glossary#reject",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Request to pay",
      "href": "/glossary#request-to-pay",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Return",
      "href": "/glossary#return",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "RTGS",
      "href": "/glossary#rtgs",
      "coverage": "derived"
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    {
      "type": "glossary",
      "label": "Rules engine",
      "href": "/glossary#rules-engine",
      "coverage": "derived"
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    {
      "type": "glossary",
      "label": "Scheme adapter",
      "href": "/glossary#scheme-adapter",
      "coverage": "derived"
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    {
      "type": "glossary",
      "label": "SCT",
      "href": "/glossary#sct",
      "coverage": "derived"
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    {
      "type": "glossary",
      "label": "SCT Inst",
      "href": "/glossary#sct-inst",
      "coverage": "derived"
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    {
      "type": "glossary",
      "label": "Serial payment",
      "href": "/glossary#serial-payment",
      "coverage": "derived"
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    {
      "type": "glossary",
      "label": "Settlement",
      "href": "/glossary#settlement",
      "coverage": "derived"
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    {
      "type": "glossary",
      "label": "Settlement finality",
      "href": "/glossary#settlement-finality",
      "coverage": "derived"
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    {
      "type": "glossary",
      "label": "SIC (Swiss Interbank Clearing)",
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      "coverage": "derived"
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    {
      "type": "glossary",
      "label": "Sponsor bank",
      "href": "/glossary#sponsor-bank",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Stablecoin",
      "href": "/glossary#stablecoin",
      "coverage": "derived"
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    {
      "type": "glossary",
      "label": "Straight-through processing",
      "href": "/glossary#straight-through-processing",
      "coverage": "derived"
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    {
      "type": "glossary",
      "label": "Strong customer authentication (SCA)",
      "href": "/glossary#strong-customer-authentication",
      "coverage": "derived"
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    {
      "type": "glossary",
      "label": "Suspense account",
      "href": "/glossary#suspense-account",
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    {
      "type": "glossary",
      "label": "T2S (TARGET2-Securities)",
      "href": "/glossary#t2s",
      "coverage": "derived"
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    {
      "type": "glossary",
      "label": "TARGET2 / T2",
      "href": "/glossary#target2",
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    {
      "type": "glossary",
      "label": "Third-party provider (TPP)",
      "href": "/glossary#tpp",
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    {
      "type": "glossary",
      "label": "Third-party provider (TPP)",
      "href": "/glossary#third-party-provider",
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    {
      "type": "glossary",
      "label": "TIPS (TARGET Instant Payment Settlement)",
      "href": "/glossary#tips",
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    {
      "type": "glossary",
      "label": "UPI (Unified Payments Interface)",
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    {
      "type": "glossary",
      "label": "Value date",
      "href": "/glossary#value-date",
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      "type": "glossary",
      "label": "Virtual account",
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      "type": "glossary",
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      "href": "/glossary#virtual-iban",
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      "type": "glossary",
      "label": "Vostro account",
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      "type": "mapping",
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      "type": "mapping",
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    {
      "type": "mapping",
      "label": "MT196 → camt.029",
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      "type": "mapping",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
      "label": "MT900 debit confirmation — raw FIN",
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      "type": "resource",
      "label": "MT900 field matrix",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
      "label": "MX cancellation, return, reversal, and investigation lifecycle — ZIP pack",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
      "label": "PMPG correspondent-payment and reporting market practice",
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      "type": "resource",
      "label": "SEPA Credit Transfer implementation guidelines",
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      "type": "resource",
      "label": "SEPA Credit Transfer rulebook",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
      "label": "SEPA Direct Debit Core implementation guidelines and XSDs",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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      "type": "resource",
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  ]
}