{ "generatedFrom": "Payments Signal canonical architecture registry", "reviewDate": "2026-07-23", "blueprint": { "id": "architecture-correspondent-cbpr", "slug": "correspondent-banking-cbpr", "title": "Correspondent banking and CBPR+ serial, cover, nostro, screening, and tracking architecture", "shortTitle": "Correspondent banking & CBPR+", "family": "messaging", "summary": "Connects payment information, bilateral account movement, serial and cover routes, screening holds, beneficiary posting, investigations, and nostro reconciliation.", "audience": "Cross-border architects, correspondent-banking product teams, treasury operations, sanctions teams, and business analysts", "reviewDate": "2026-07-23", "versionLabel": "Payments Signal reference architecture v1", "status": "current", "nodes": [ { "id": "corr-originator", "title": "Ordering customer and debtor agent", "shortTitle": "Debtor side", "kind": "actor", "summary": "Creates and approves the cross-border payment instruction.", "responsibilities": [ "Provide complete debtor, creditor, purpose, and remittance data", "Authorise the debit and charges arrangement" ], "owner": "Ordering customer and debtor-agent payments team", "inputs": [ "Commercial obligation", "Beneficiary instructions", "Charge choice" ], "outputs": [ "Approved customer transfer and interbank instruction" ], "interfaceContracts": [ "pain.001 or channel contract", "CBPR+ customer-credit-transfer profile" ], "controls": [ "Customer due diligence", "Entitlement", "Sanctions and fraud controls" ], "failureModes": [ "Incomplete party data", "Invalid account", "Unsupported charges or route" ], "recovery": [ "Repair before release", "Reject with a precise customer status" ], "lenses": [ "business", "ownership", "controls" ], "evidence": [ { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "Customer credit-transfer roles and CBPR+ message profile", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ], "messageIds": [ "pain-001", "pacs-008" ], "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": "corr-routing", "title": "Correspondent route and SSI service", "shortTitle": "Route & SSI", "kind": "service", "summary": "Selects a reachable chain and the standing settlement instructions for the currency and accounts.", "responsibilities": [ "Choose serial or cover treatment", "Resolve correspondents and account relationships", "Apply cut-offs and currency constraints" ], "owner": "Payment product and reference-data operations", "inputs": [ "Currency", "Agents", "BICs", "Standing settlement instructions", "Cut-offs" ], "outputs": [ "Approved route and account chain" ], "interfaceContracts": [ "Versioned routing policy", "Standing settlement instruction provenance" ], "controls": [ "Maker-checker data", "Effective dates", "Reachability and account validation" ], "failureModes": [ "Stale SSI", "Broken correspondent chain", "Unreachable agent" ], "recovery": [ "Stop release", "Restore verified instructions", "Revalidate the route" ], "lenses": [ "applications", "data", "controls", "operations" ], "evidence": [ { "ref": { "sourceId": "bis-correspondent-banking", "locator": "Correspondent account and payment-chain arrangements", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI correspondent banking report" }, { "ref": { "sourceId": "swift-swiftref", "locator": "Reference data and payment routing context", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current SwiftRef service information" } ], "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": "corr-screening", "title": "Cross-border screening and hold control", "shortTitle": "Screening", "kind": "control", "summary": "Screens the parties and payment text at each institution that has a control obligation.", "responsibilities": [ "Screen relevant parties, agents, addresses, and remittance", "Hold potential matches without losing payment state" ], "owner": "Financial crime operations", "inputs": [ "Payment data", "List data", "Customer and counterparty context" ], "outputs": [ "Clear, hold, or stop decision with audit evidence" ], "interfaceContracts": [ "Screening policy and case contract" ], "controls": [ "List freshness", "Match audit", "Four-eyes disposition" ], "failureModes": [ "Unresolved alert", "Late list update", "Screening service outage" ], "recovery": [ "Keep value movement controlled", "Investigate with authorised evidence", "Resume from the held state only" ], "lenses": [ "controls", "ownership", "operations", "resilience" ], "evidence": [ { "ref": { "sourceId": "wolfsberg-sanctions-screening", "locator": "Risk-based sanctions-screening programme", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Wolfsberg sanctions-screening guidance" }, { "ref": { "sourceId": "wolfsberg-payment-transparency", "locator": "Payment transparency and intermediary responsibilities", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Wolfsberg payment-transparency standards" } ], "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": "corr-sender-nostro", "title": "Sending bank customer and nostro books", "shortTitle": "Sender books", "kind": "ledger", "summary": "Records the customer position, correspondent claim, charges, and expected settlement evidence.", "responsibilities": [ "Reserve or debit under the bank's posting policy", "Record the nostro-side accounting expectation", "Reconcile charges and value date" ], "owner": "Core banking, treasury operations, and finance", "inputs": [ "Approved payment", "FX and charge details", "Correspondent account" ], "outputs": [ "Customer and nostro ledger entries" ], "interfaceContracts": [ "Double-entry posting contract", "Nostro reconciliation contract" ], "controls": [ "Balanced entries", "Value-date control", "Posting idempotency" ], "failureModes": [ "Posting mismatch", "Wrong account", "Unmatched correspondent debit" ], "recovery": [ "Stop further release where possible", "Reconcile before reversal", "Post controlled adjustment with evidence" ], "lenses": [ "ledger", "data", "controls", "operations" ], "evidence": [ { "ref": { "sourceId": "bis-correspondent-banking", "locator": "Correspondent account relationships and payment processing", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI correspondent banking report" } ], "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": "corr-serial", "title": "Serial correspondent chain", "shortTitle": "Serial chain", "kind": "external-network", "summary": "Passes the customer transfer through intermediaries while each link settles across its own bilateral accounts.", "responsibilities": [ "Forward the payment instruction", "Apply each intermediary's controls and account posting" ], "owner": "Correspondent banks in the selected chain", "inputs": [ "pacs.008 or legacy MT103", "Bilateral account relationship" ], "outputs": [ "Forwarded instruction", "Account debit or credit", "Status or return" ], "interfaceContracts": [ "CBPR+ pacs.008 or supported legacy contract", "Bilateral account terms" ], "controls": [ "Screening", "RMA and reachability", "Account and liquidity controls" ], "failureModes": [ "Intermediary hold", "Deduction or charge dispute", "Broken onward route" ], "recovery": [ "Investigate at the bank holding the last confirmed state", "Return through the applicable chain when required" ], "lenses": [ "business", "interfaces", "ledger", "controls", "operations" ], "evidence": [ { "ref": { "sourceId": "bis-correspondent-banking", "locator": "Serial correspondent-banking model", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI correspondent banking report" }, { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "CBPR+ pacs.008 profile", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ], "messageIds": [ "pacs-008", "pacs-002", "pacs-004", "mt103" ], "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": "corr-cover", "title": "Cover settlement chain", "shortTitle": "Cover chain", "kind": "external-network", "summary": "Carries the interbank cover separately while the customer-transfer instruction goes directly to the beneficiary agent.", "responsibilities": [ "Carry pacs.009 COV or MT202 COV through reimbursement agents", "Preserve the underlying customer-transfer references" ], "owner": "Reimbursement agents and correspondent banks", "inputs": [ "Cover instruction", "Underlying customer-transfer reference" ], "outputs": [ "Interbank settlement movement and correlated status" ], "interfaceContracts": [ "CBPR+ pacs.009 COV or supported MT202 COV contract" ], "controls": [ "Underlying-reference completeness", "Screening transparency", "Liquidity and account control" ], "failureModes": [ "Customer leg arrives before cover", "Cover mismatch", "Unmatched reimbursement" ], "recovery": [ "Hold beneficiary posting under policy", "Investigate both legs by shared references", "Do not duplicate cover" ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations" ], "evidence": [ { "ref": { "sourceId": "wolfsberg-payment-transparency", "locator": "Cover-payment transparency", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Wolfsberg payment-transparency standards" }, { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "pacs.009 COV usage guideline", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ], "messageIds": [ "pacs-009", "mt202cov" ], "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": "corr-beneficiary", "title": "Beneficiary agent and customer books", "shortTitle": "Beneficiary side", "kind": "ledger", "summary": "Determines whether the beneficiary may be credited and records the final customer outcome.", "responsibilities": [ "Validate the beneficiary account", "Confirm settlement or cover evidence under policy", "Credit or return" ], "owner": "Beneficiary-agent payment operations and core banking", "inputs": [ "Customer-transfer instruction", "Settlement or cover evidence" ], "outputs": [ "Beneficiary credit", "Status", "Return", "Account reporting" ], "interfaceContracts": [ "Posting policy", "Return and reporting contract" ], "controls": [ "Account validation", "Finality and cover policy", "Posting idempotency" ], "failureModes": [ "Invalid account", "Missing cover", "Duplicate credit" ], "recovery": [ "Keep the payment in a controlled pending state", "Return or investigate with complete references" ], "lenses": [ "business", "ledger", "controls", "operations" ], "evidence": [ { "ref": { "sourceId": "bis-correspondent-banking", "locator": "Beneficiary-agent and correspondent processing", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI correspondent banking report" }, { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "Status, return, and reporting messages", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ], "messageIds": [ "pacs-002", "pacs-004", "camt-054", "camt-053" ], "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": "corr-investigations", "title": "Investigations, recalls, and reconciliation", "shortTitle": "Investigations", "kind": "operations", "summary": "Finds the last confirmed instruction, settlement, and ledger state across institutions.", "responsibilities": [ "Correlate requests, responses, returns, and statements", "Distinguish cancellation before execution from recall after release" ], "owner": "Cross-border payment operations and nostro reconciliation", "inputs": [ "camt.056, camt.029, camt.110/111, pacs.004, statements, gpi or network evidence" ], "outputs": [ "Resolved case", "Return or no-action decision", "Reconciled nostro item" ], "interfaceContracts": [ "Case and message-correlation model", "Operational service levels" ], "controls": [ "Original-reference integrity", "Four-eyes funds action", "Settlement-state check" ], "failureModes": [ "Unmatched recall", "Return without original reference", "Statement break" ], "recovery": [ "Trace the original and cover legs", "Act only after settlement and funds position are known" ], "lenses": [ "data", "controls", "ownership", "operations", "resilience" ], "evidence": [ { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "Exceptions and investigations message usage", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" }, { "ref": { "sourceId": "bis-correspondent-banking", "locator": "Correspondent-banking operational frictions", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI correspondent banking report" } ], "messageIds": [ "camt-056", "camt-029", "camt-110", "camt-111", "pacs-004", "camt-052", "camt-053", "camt-054" ], "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": "corr-e1", "from": "corr-originator", "to": "corr-routing", "title": "Approved cross-border intent", "kind": "message", "mode": "asynchronous", "purpose": "Carry the complete customer intent into route and profile selection.", "messageIds": [ "pain-001", "pacs-008" ], "failureBehaviour": "Incomplete intent is rejected before route and value movement.", "evidence": [ { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "pacs.008 customer-credit-transfer profile", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "corr-e2", "from": "corr-routing", "to": "corr-screening", "title": "Routed payment for control", "kind": "control", "mode": "synchronous", "purpose": "Screen the complete parties and selected agents before release.", "failureBehaviour": "A hold preserves the selected route and prevents value movement.", "evidence": [ { "ref": { "sourceId": "wolfsberg-sanctions-screening", "locator": "Transaction-screening control", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Wolfsberg sanctions-screening guidance" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "corr-e3", "from": "corr-screening", "to": "corr-sender-nostro", "title": "Cleared posting instruction", "kind": "posting", "mode": "synchronous", "purpose": "Record customer and expected correspondent-account effects under the posting policy.", "failureBehaviour": "A posting failure stops network release until books and state agree.", "evidence": [ { "ref": { "sourceId": "payments-signal-editorial", "locator": "Pre-release posting boundary", "label": "simplified-educational-illustration", "simplifications": "Institutions differ on reserve, debit, and release sequence." }, "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", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "corr-e4", "from": "corr-sender-nostro", "to": "corr-serial", "title": "Serial customer transfer", "kind": "message", "mode": "asynchronous", "purpose": "Move the instruction and bilateral settlement effect along the correspondent chain.", "messageIds": [ "pacs-008", "mt103" ], "failureBehaviour": "An ambiguous send is investigated before any replay.", "evidence": [ { "ref": { "sourceId": "bis-correspondent-banking", "locator": "Serial correspondent payment", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI correspondent banking report" }, { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "pacs.008 usage guideline", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "corr-e5", "from": "corr-sender-nostro", "to": "corr-cover", "title": "Cover settlement instruction", "kind": "settlement", "mode": "asynchronous", "purpose": "Move the interbank cover separately from the customer-transfer information.", "messageIds": [ "pacs-009", "mt202cov" ], "failureBehaviour": "A missing or unmatched cover remains visible as a two-leg exception.", "evidence": [ { "ref": { "sourceId": "wolfsberg-payment-transparency", "locator": "Cover-payment transparency", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Wolfsberg payment-transparency standards" }, { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "pacs.009 COV usage guideline", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "corr-e6", "from": "corr-serial", "to": "corr-beneficiary", "title": "Serial payment and value", "kind": "settlement", "mode": "asynchronous", "purpose": "Deliver the instruction and the final bilateral correspondent-account effect.", "messageIds": [ "pacs-008", "pacs-002", "pacs-004" ], "failureBehaviour": "The beneficiary agent validates account and settlement state before final customer action.", "evidence": [ { "ref": { "sourceId": "bis-correspondent-banking", "locator": "Correspondent payment chain", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI correspondent banking report" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "corr-e7", "from": "corr-cover", "to": "corr-beneficiary", "title": "Cover evidence", "kind": "settlement", "mode": "asynchronous", "purpose": "Provide the settlement evidence required to pair with the direct customer leg.", "messageIds": [ "pacs-009" ], "failureBehaviour": "An unmatched cover enters investigation and cannot silently credit the wrong payment.", "evidence": [ { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "Cover-payment correlation", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "corr-e8", "from": "corr-beneficiary", "to": "corr-investigations", "title": "Status, return, and reporting", "kind": "message", "mode": "asynchronous", "purpose": "Report credit, rejection, return, and account evidence using original references.", "messageIds": [ "pacs-002", "pacs-004", "camt-052", "camt-053", "camt-054" ], "failureBehaviour": "Unmatched reports enter reconciliation rather than changing the wrong payment.", "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Payment status, return, and reporting message sets", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 financial repository and message catalogue" }, { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "CBPR+ message usage", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "corr-e9", "from": "corr-investigations", "to": "corr-originator", "title": "Recall or investigation outcome", "kind": "message", "mode": "asynchronous", "purpose": "Return an evidence-based outcome to the original payment owner.", "messageIds": [ "camt-056", "camt-029", "camt-110", "camt-111" ], "failureBehaviour": "No funds promise is made until the receiving chain confirms the outcome.", "evidence": [ { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "Exceptions and investigations usage guidelines", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "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": [ "corr-originator", "corr-sender-nostro", "corr-serial", "corr-cover", "corr-beneficiary" ], "interfaceIds": [ "corr-e4", "corr-e5", "corr-e6", "corr-e7" ], "placements": { "corr-originator": { "x": 80, "y": 100, "width": 244, "height": 126 }, "corr-sender-nostro": { "x": 444, "y": 100, "width": 244, "height": 126 }, "corr-serial": { "x": 808, "y": 100, "width": 244, "height": 126 }, "corr-cover": { "x": 80, "y": 326, "width": 244, "height": 126 }, "corr-beneficiary": { "x": 444, "y": 326, "width": 244, "height": 126 } }, "boundaries": [ { "id": "context-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "corr-originator", "corr-sender-nostro", "corr-beneficiary" ], "kind": "ownership" }, { "id": "context-network-boundary", "label": "External network boundary", "nodeIds": [ "corr-serial", "corr-cover" ], "kind": "network" } ] }, { "id": "container", "label": "Container", "plainPurpose": "The major applications, stores, gateways, controls, and operational ownership boundaries.", "nodeIds": [ "corr-screening", "corr-sender-nostro", "corr-serial", "corr-cover", "corr-beneficiary", "corr-investigations" ], "interfaceIds": [ "corr-e3", "corr-e4", "corr-e5", "corr-e6", "corr-e7", "corr-e8" ], "placements": { "corr-screening": { "x": 80, "y": 100, "width": 244, "height": 126 }, "corr-sender-nostro": { "x": 444, "y": 100, "width": 244, "height": 126 }, "corr-serial": { "x": 808, "y": 100, "width": 244, "height": 126 }, "corr-cover": { "x": 80, "y": 326, "width": 244, "height": 126 }, "corr-beneficiary": { "x": 444, "y": 326, "width": 244, "height": 126 }, "corr-investigations": { "x": 808, "y": 326, "width": 244, "height": 126 } }, "boundaries": [ { "id": "container-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "corr-screening", "corr-sender-nostro", "corr-beneficiary", "corr-investigations" ], "kind": "ownership" }, { "id": "container-network-boundary", "label": "External network boundary", "nodeIds": [ "corr-serial", "corr-cover" ], "kind": "network" } ] }, { "id": "component", "label": "Component", "plainPurpose": "The processing responsibilities and interface contracts that must cooperate for one payment.", "nodeIds": [ "corr-originator", "corr-routing", "corr-screening", "corr-sender-nostro", "corr-serial", "corr-cover", "corr-beneficiary", "corr-investigations" ], "interfaceIds": [ "corr-e1", "corr-e2", "corr-e3", "corr-e4", "corr-e5", "corr-e6", "corr-e7", "corr-e8", "corr-e9" ], "placements": { "corr-originator": { "x": 80, "y": 100, "width": 196, "height": 126 }, "corr-routing": { "x": 376, "y": 100, "width": 196, "height": 126 }, "corr-screening": { "x": 672, "y": 100, "width": 196, "height": 126 }, "corr-sender-nostro": { "x": 968, "y": 100, "width": 196, "height": 126 }, "corr-serial": { "x": 80, "y": 326, "width": 196, "height": 126 }, "corr-cover": { "x": 376, "y": 326, "width": 196, "height": 126 }, "corr-beneficiary": { "x": 672, "y": 326, "width": 196, "height": 126 }, "corr-investigations": { "x": 968, "y": 326, "width": 196, "height": 126 } }, "boundaries": [ { "id": "component-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "corr-originator", "corr-routing", "corr-screening", "corr-sender-nostro", "corr-beneficiary", "corr-investigations" ], "kind": "ownership" }, { "id": "component-network-boundary", "label": "External network boundary", "nodeIds": [ "corr-serial", "corr-cover" ], "kind": "network" } ] }, { "id": "deployment", "label": "Deployment", "plainPurpose": "The trust zones, runtime dependencies, external connections, and recovery boundaries.", "nodeIds": [ "corr-sender-nostro", "corr-serial", "corr-cover", "corr-beneficiary" ], "interfaceIds": [ "corr-e4", "corr-e5", "corr-e6", "corr-e7" ], "placements": { "corr-sender-nostro": { "x": 80, "y": 100, "width": 244, "height": 126 }, "corr-serial": { "x": 444, "y": 100, "width": 244, "height": 126 }, "corr-cover": { "x": 808, "y": 100, "width": 244, "height": 126 }, "corr-beneficiary": { "x": 80, "y": 326, "width": 244, "height": 126 } }, "boundaries": [ { "id": "deployment-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "corr-sender-nostro", "corr-beneficiary" ], "kind": "ownership" }, { "id": "deployment-network-boundary", "label": "External network boundary", "nodeIds": [ "corr-serial", "corr-cover" ], "kind": "network" } ] } ], "traces": [ { "id": "corr-cover-trace", "label": "CBPR+ customer transfer with cover", "summary": "Follow the direct pacs.008 customer leg and its separately correlated pacs.009 COV settlement leg.", "viewId": "component", "steps": [ { "id": "corr-cover-trace-step-1", "title": "Approve the cross-border payment", "nodeId": "corr-originator", "plainExplanation": "The ordering side supplies complete party, account, purpose, amount, currency, and charge information.", "businessState": "Customer authorised", "messageIds": [ "pain-001", "pacs-008" ] }, { "id": "corr-cover-trace-step-2", "title": "Choose the cover route", "nodeId": "corr-routing", "interfaceId": "corr-e1", "plainExplanation": "The bank selects the beneficiary agent, reimbursement chain, standing settlement instructions, and current profiles.", "businessState": "Route selected" }, { "id": "corr-cover-trace-step-3", "title": "Clear the route and parties", "nodeId": "corr-screening", "interfaceId": "corr-e2", "plainExplanation": "Relevant parties, agents, addresses, and payment text pass the institution's controls.", "businessState": "Control cleared", "controlEvidence": "Screening decision and route version" }, { "id": "corr-cover-trace-step-4", "title": "Record the sender-side position", "nodeId": "corr-sender-nostro", "interfaceId": "corr-e3", "plainExplanation": "Customer and expected nostro effects are recorded under the bank's posting policy.", "businessState": "Released for network", "ledgerEffect": "Customer debit or reservation; expected correspondent debit" }, { "id": "corr-cover-trace-step-5", "title": "Send interbank cover", "nodeId": "corr-cover", "interfaceId": "corr-e5", "plainExplanation": "A pacs.009 COV moves through reimbursement agents with the underlying customer-transfer references.", "businessState": "Cover submitted", "messageIds": [ "pacs-009" ] }, { "id": "corr-cover-trace-step-6", "title": "Match instruction and cover", "nodeId": "corr-beneficiary", "interfaceId": "corr-e7", "plainExplanation": "The beneficiary agent matches the customer-transfer information with settlement evidence.", "businessState": "Funds received" }, { "id": "corr-cover-trace-step-7", "title": "Credit the beneficiary", "nodeId": "corr-beneficiary", "plainExplanation": "The beneficiary account is credited once account, control, and funds conditions are satisfied.", "businessState": "Beneficiary credited", "ledgerEffect": "Beneficiary customer credit and settlement-account effect" }, { "id": "corr-cover-trace-step-8", "title": "Report and reconcile", "nodeId": "corr-investigations", "interfaceId": "corr-e8", "plainExplanation": "Status and account reports close the business and nostro evidence.", "businessState": "Reported and reconciled", "messageIds": [ "camt-054", "camt-053" ] } ], "evidence": [ { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "pacs.008 and pacs.009 COV usage guidelines", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" }, { "ref": { "sourceId": "bis-correspondent-banking", "locator": "Correspondent-banking payment models", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI correspondent banking report" } ] } ], "stressCases": [ { "id": "corr-stress-cover", "label": "Customer leg arrives before cover", "trigger": "The beneficiary agent receives the pacs.008 but cannot match settlement cover.", "divergesAfterStepId": "corr-cover-trace-step-5", "traceId": "corr-cover-trace", "affectedNodeIds": [ "corr-cover", "corr-beneficiary", "corr-investigations" ], "affectedInterfaceIds": [ "corr-e7", "corr-e8" ], "lastConfirmedState": "Customer-transfer information received; cover is not confirmed.", "settlementState": "Settlement remains unconfirmed for the beneficiary agent.", "fundsState": "Beneficiary credit follows the bank's controlled pending-cover policy; no duplicate cover is sent.", "owner": "Beneficiary payment operations and nostro investigations", "safeAction": "Hold or pend under policy, trace the pacs.009 COV by original references, and do not manufacture settlement evidence.", "requiredEvidence": [ "pacs.008 references", "pacs.009 COV references", "Reimbursement-agent status", "Nostro entry" ], "recoverySteps": [ "Match late cover", "Credit once conditions are met", "Escalate or return under the applicable process if cover cannot be established" ], "evidence": [ { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "Cover payment usage and correlation", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" }, { "ref": { "sourceId": "wolfsberg-payment-transparency", "locator": "Cover-payment transparency", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Wolfsberg payment-transparency standards" } ] }, { "id": "corr-stress-screening", "label": "Intermediary screening hold", "trigger": "An intermediary identifies a potential sanctions match after the sending bank has released the payment.", "divergesAfterStepId": "corr-cover-trace-step-4", "traceId": "corr-cover-trace", "affectedNodeIds": [ "corr-screening", "corr-serial", "corr-investigations" ], "affectedInterfaceIds": [ "corr-e4", "corr-e8", "corr-e9" ], "lastConfirmedState": "Payment released by the debtor agent and held within the correspondent chain.", "settlementState": "Depends on the exact link at which the hold occurred; do not infer final settlement.", "fundsState": "Customer debit and correspondent entries may already exist; the held bank controls onward movement.", "owner": "Holding bank financial crime operations with correspondent investigations", "safeAction": "Preserve the hold, answer requests through authorised channels, and establish settlement and ledger state before any funds action.", "requiredEvidence": [ "Holding institution", "Payment references", "Alert disposition", "Account entries", "Request/response trail" ], "recoverySteps": [ "Resolve the alert", "Continue or return according to lawful policy", "Reconcile every affected bilateral account" ], "evidence": [ { "ref": { "sourceId": "wolfsberg-sanctions-screening", "locator": "Sanctions-screening programme", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Wolfsberg sanctions-screening guidance" } ] }, { "id": "corr-stress-recall", "label": "Recall after settlement", "trigger": "The debtor side requests cancellation after the beneficiary agent has credited the payment.", "divergesAfterStepId": "corr-cover-trace-step-7", "traceId": "corr-cover-trace", "affectedNodeIds": [ "corr-originator", "corr-beneficiary", "corr-investigations" ], "affectedInterfaceIds": [ "corr-e8", "corr-e9" ], "lastConfirmedState": "Beneficiary credited.", "settlementState": "Settlement has occurred; a recall request does not reverse finality by itself.", "fundsState": "Funds are with the beneficiary unless recovered under the applicable process and consent or law.", "owner": "Cross-border investigations at both agents", "safeAction": "Send a correlated recall or investigation request, state the completed settlement, and never promise recovery before a confirmed response.", "requiredEvidence": [ "Original instruction", "Settlement evidence", "Beneficiary credit state", "Recall reason and authority" ], "recoverySteps": [ "Request recovery", "Record response", "Return funds only through an authorised, reconciled transaction" ], "evidence": [ { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "camt.056 and camt.029 usage", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" }, { "ref": { "sourceId": "iso20022-catalogue", "locator": "Payment cancellation and investigation message definitions", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 financial repository and message catalogue" } ] } ], "overlays": [ { "id": "corr-overlay-serial", "label": "CBPR+ serial", "summary": "The customer transfer and bilateral settlement effect pass through each intermediary in sequence.", "nodeIds": [ "corr-originator", "corr-routing", "corr-screening", "corr-sender-nostro", "corr-serial", "corr-beneficiary", "corr-investigations" ], "interfaceIds": [ "corr-e1", "corr-e2", "corr-e3", "corr-e4", "corr-e6", "corr-e8", "corr-e9" ], "relatedFlowIds": [ "flow-cbpr-pacs008", "flow-swift-serial", "flow-swift-gpi" ], "evidence": [ { "ref": { "sourceId": "bis-correspondent-banking", "locator": "Serial model", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI correspondent banking report" }, { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "pacs.008 usage guideline", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ] }, { "id": "corr-overlay-cover", "label": "CBPR+ cover", "summary": "The pacs.008 customer leg reaches the beneficiary agent while pacs.009 COV carries settlement through reimbursement agents.", "nodeIds": [ "corr-originator", "corr-routing", "corr-screening", "corr-sender-nostro", "corr-cover", "corr-beneficiary", "corr-investigations" ], "interfaceIds": [ "corr-e1", "corr-e2", "corr-e3", "corr-e5", "corr-e7", "corr-e8", "corr-e9" ], "relatedFlowIds": [ "flow-swift-cover", "flow-mx-cover", "flow-cbpr-corporate-lifecycle" ], "evidence": [ { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "pacs.009 COV usage guideline", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" }, { "ref": { "sourceId": "wolfsberg-payment-transparency", "locator": "Cover-payment transparency", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Wolfsberg payment-transparency standards" } ] }, { "id": "corr-overlay-gpi", "label": "Swift gpi tracking context", "summary": "Adds shared tracking evidence without replacing each institution's books, controls, or settlement proof.", "nodeIds": [ "corr-originator", "corr-serial", "corr-cover", "corr-beneficiary", "corr-investigations" ], "interfaceIds": [ "corr-e4", "corr-e5", "corr-e6", "corr-e7", "corr-e8", "corr-e9" ], "relatedFlowIds": [ "flow-swift-gpi" ], "evidence": [ { "ref": { "sourceId": "swift-gpi", "locator": "Public gpi service context", "label": "official-requirement", "simplifications": "Detailed gpi service rules and features require authorised Swift access." }, "verifiedDate": "2026-07-23", "versionContext": "Current Swift gpi public material" } ] } ], "decisions": [ { "id": "corr-decision-route", "question": "When is serial or cover routing appropriate?", "options": [ { "label": "Serial", "consequence": "Payment information and settlement move link by link; each intermediary changes the bilateral account position." }, { "label": "Cover", "consequence": "Customer information reaches the beneficiary agent directly while a separate reimbursement chain carries settlement." } ], "guidance": "Choose from reachability, account relationships, currency, transparency, cost, and service rules. Preserve original references in either model.", "evidence": [ { "ref": { "sourceId": "bis-correspondent-banking", "locator": "Serial and cover models", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI correspondent banking report" }, { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "pacs.008 and pacs.009 COV profiles", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ] }, { "id": "corr-decision-credit", "question": "What evidence permits beneficiary credit?", "options": [ { "label": "Confirmed funds or cover", "consequence": "Reduces credit exposure but can delay the customer outcome." }, { "label": "Credit under bilateral policy", "consequence": "Improves speed but creates explicit intraday or correspondent credit risk." } ], "guidance": "Document the exact posting and risk policy. A received payment instruction is not automatically settlement evidence.", "evidence": [ { "ref": { "sourceId": "bis-correspondent-banking", "locator": "Correspondent account and risk arrangements", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI correspondent banking report" }, { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Finality and credit-risk principles where an FMI is involved", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures", "asOf": "2012-04-16" } ] } ], "targets": [ { "type": "message", "id": "pain-001" }, { "type": "message", "id": "pacs-008" }, { "type": "message", "id": "pacs-009" }, { "type": "message", "id": "pacs-002" }, { "type": "message", "id": "pacs-004" }, { "type": "message", "id": "camt-056" }, { "type": "message", "id": "camt-029" }, { "type": "message", "id": "camt-052" }, { "type": "message", "id": "camt-053" }, { "type": "message", "id": "camt-054" }, { "type": "message", "id": "camt-110" }, { "type": "message", "id": "camt-111" }, { "type": "message", "id": "mt103" }, { "type": "message", "id": "mt202" }, { "type": "message", "id": "mt202cov" }, { "type": "message", "id": "mt192" }, { "type": "message", "id": "mt196" }, { "type": "message", "id": "mt199" }, { "type": "flow", "id": "flow-cbpr-pacs008" }, { "type": "flow", "id": "flow-cbpr-corporate-lifecycle" }, { "type": "flow", "id": "flow-swift-serial" }, { "type": "flow", "id": "flow-swift-cover" }, { "type": "flow", "id": "flow-mx-cover" }, { "type": "flow", "id": "flow-mt-corporate-lifecycle" }, { "type": "flow", "id": "flow-swift-gpi" }, { "type": "resource", "id": "pmpg-correspondent-reporting-practice" }, { "type": "resource", "id": "swift-cbpr-plus-usage-guidelines" }, { "type": "resource", "id": "implementation-pack-cbpr-plus" } ], "glossaryTermIds": [ "nostro-account", "vostro-account", "correspondent-banking", "serial-payment", "cover-payment", "standing-settlement-instructions" ], "evidence": [ { "ref": { "sourceId": "bis-correspondent-banking", "locator": "Correspondent banking", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI correspondent banking report" }, { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "CBPR+ usage guidelines", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" }, { "ref": { "sourceId": "wolfsberg-payment-transparency", "locator": "Payment transparency", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Wolfsberg payment-transparency standards" } ], "simplifies": "The diagram compresses a potentially long correspondent chain into one serial or cover component. Bilateral account terms, credit policies, screening obligations, charges, foreign exchange, cut-offs, and posting sequence differ by institution and currency. Current CBPR+ and authorised bilateral documentation remain controlling." }, "sources": [ { "id": "bis-correspondent-banking", "publisher": "CPMI, Bank for International Settlements", "title": "Correspondent banking (final report)", "sourceType": "industry-paper", "accessedDate": "2026-07-12", "url": "https://www.bis.org/cpmi/publ/d147.htm", "applicability": "Defines correspondent banking arrangements, including nostro/vostro account relationships, and analyses the decline in correspondent relationships and its drivers.", "notes": "Published in July 2016; its statistics cover 2011-2015 and are dated, but the definitions and arrangement types remain widely used." }, { "id": "cbpr-usage-guidelines", "publisher": "Swift (CBPR+ working group)", "title": "Cross-Border Payments and Reporting Plus (CBPR+) usage guidelines", "sourceType": "usage-guideline", "accessedDate": "2026-07-18", "url": "https://www.swift.com/standards/iso-20022/iso-20022-financial-institutions-focus-payments-instructions", "applicability": "Defines how ISO 20022 messages (including pacs.008, pacs.009, pacs.002, pacs.004, and camt investigation messages) are used and validated for cross-border payments on the Swift network.", "notes": "Full guidelines require MyStandards access. Public guidance states that after 14 November 2026 fully unstructured addresses are removed for in-scope CBPR+ traffic, with explicit message exceptions including admi.024, camt.025, camt.052, camt.053, camt.054 and camt.060." }, { "id": "wolfsberg-payment-transparency", "publisher": "The Wolfsberg Group", "title": "Wolfsberg Group Payment Transparency Standards", "sourceType": "market-practice", "publicationDate": "2023-10-24", "accessedDate": "2026-07-12", "url": "https://wolfsberg-group.org/news/publication-of-the-updated-wolfsberg-group-payment-transparency-standards", "applicability": "Industry standards on preserving complete and accurate party information through payment chains, expressed in ISO 20022 terminology.", "notes": "The 2023 standards replace the 2017 version and are supplemented by separate Wolfsberg guidance on roles and responsibilities in payment chains." }, { "id": "swift-swiftref", "publisher": "Swift", "title": "SwiftRef reference data services", "sourceType": "official-standard", "accessedDate": "2026-07-13", "url": "https://www.swift.com/products/swiftref", "applicability": "Describes the directories Swift publishes as a reference-data utility, including the BIC Directory, Bank Directory Plus, IBAN Plus, the Standing Settlement Instructions Directory, and the SEPA Routing Directory.", "notes": "Used for public summaries of the SwiftRef directories and their delivery through files, a web application, and application programming interfaces." }, { "id": "wolfsberg-sanctions-screening", "publisher": "The Wolfsberg Group", "title": "Wolfsberg Group Sanctions Screening Guidance", "sourceType": "market-practice", "accessedDate": "2026-07-12", "url": "https://wolfsberg-group.org/resources/168/53", "applicability": "Industry guidance on the elements of an effective sanctions screening programme: the risk-based approach, list management, matching technology, alert generation, and alert handling.", "notes": "Wolfsberg guidance is industry market practice, not law; institutions vary in how they apply it." }, { "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": "iso20022-catalogue", "publisher": "ISO 20022 Registration Authority", "title": "ISO 20022 Catalogue of messages", "sourceType": "official-standard", "accessedDate": "2026-07-12", "url": "https://www.iso20022.org/catalogue-messages", "applicability": "Defines the current versions of all ISO 20022 message definitions, including the pain, pacs, and camt messages taught on this site.", "notes": "Each message set is described by a Message Definition Report; earlier versions remain available in the ISO 20022 messages archive." }, { "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." } ], "relatedContent": [ { "type": "article", "label": "Accounting Entries in Payments", "href": "/2026/07/13/accounting-entries-in-payments", "coverage": "derived" }, { "type": "article", "label": "ACK, NACK, and the Payment Status Report (pacs.002)", "href": "/2026/07/13/ack-nack-and-payment-status-report", "coverage": "derived" }, { "type": "article", "label": "Batch and file-based payments", "href": "/2026/07/13/batch-and-file-payments", "coverage": "derived" }, { "type": "article", "label": "BIC versus LEI: payment reference data", "href": "/2026/07/13/bic-vs-lei-reference-data", "coverage": "derived" }, { "type": "article", "label": "Book and On-Us Payments", "href": "/2026/07/13/book-and-on-us-payments", "coverage": "derived" }, { "type": "article", "label": "Buna: the Arab region's cross-border payment system", "href": "/2026/07/13/buna-arab-regional-payments", "coverage": "derived" }, { "type": "article", "label": "CBPR+: ISO 20022 for cross-border payments", "href": "/2026/07/13/cbpr-plus-cross-border-iso20022", "coverage": "derived" }, { "type": "article", "label": "CGI-MP: Common ISO 20022 Practice for Corporates", "href": "/2026/07/13/cgi-mp-corporate-iso20022", "coverage": "derived" }, { "type": "article", "label": "Charges and FOREX (FX)", "href": "/2026/07/13/charges-and-forex-fx", "coverage": "derived" }, { "type": "article", "label": "Correspondent banking risk", "href": "/2026/07/13/correspondent-banking-risk", "coverage": "derived" }, { "type": "article", "label": "Correspondent onboarding and de-risking", "href": "/2026/07/13/correspondent-onboarding-and-de-risking", "coverage": "derived" }, { "type": "article", "label": "Domestic versus cross-border payments", "href": "/2026/07/13/domestic-vs-cross-border-payments", "coverage": "derived" }, { "type": "article", "label": "FINplus and Browse", "href": "/2026/07/13/finplus-and-browse", "coverage": "derived" }, { "type": "article", "label": "High-value payments and HVPS+", "href": "/2026/07/13/high-value-payments-and-hvps-plus", "coverage": "derived" }, { "type": "article", "label": "IBAN Plus, SSI, and routing directories", "href": "/2026/07/13/iban-plus-ssi-and-routing-directories", "coverage": "derived" }, { "type": "article", "label": "Introduction to SWIFT", "href": "/2026/07/13/introduction-to-swift", "coverage": "derived" }, { "type": "article", "label": "MT202 COV: cover payments explained", "href": "/2026/07/13/mt202-cov-cover-payments", "coverage": "derived" }, { "type": "article", "label": "One corporate payment: the full MX lifecycle and its MT migration path", "href": "/2026/07/18/corporate-payment-full-message-lifecycle", "coverage": "derived" }, { "type": "article", "label": "Other Payment Message Standards Beyond SWIFT", "href": "/2026/07/13/other-payment-message-standards", "coverage": "derived" }, { "type": "article", "label": "PAPSS: the Pan-African Payment and Settlement System", "href": "/2026/07/13/papss-pan-african-settlement", "coverage": "derived" }, { "type": "article", "label": "Payment exceptions and investigations", "href": "/2026/07/13/payment-exceptions-and-investigations", "coverage": "derived" }, { "type": "article", "label": "Payment transparency and wire stripping", "href": "/2026/07/13/payment-transparency-and-wire-stripping", "coverage": "derived" }, { "type": "article", "label": "Purpose codes in payments", "href": "/2026/07/13/purpose-codes-in-payments", "coverage": "derived" }, { "type": "article", "label": "Reconciliation in payments", "href": "/2026/07/13/payments-reconciliation", "coverage": "derived" }, { "type": "article", "label": "Reversals, returns, recalls, and cancellations", "href": "/2026/07/13/reversals-returns-and-cancellations", "coverage": "derived" }, { "type": "article", "label": "Sanctions evasion typologies", "href": "/2026/07/13/sanctions-evasion-typologies", "coverage": "derived" }, { "type": "article", "label": "Screening the payment message", "href": "/2026/07/13/screening-the-payment-message", "coverage": "derived" }, { "type": "article", "label": "Sending money from India to the US: one remittance, start to finish", "href": "/2026/07/16/india-to-usa-outward-remittance", "coverage": "derived" }, { "type": "article", "label": "SEPA credit transfer – Four Corner model", "href": "/2026/07/13/sct-four-corner-model", "coverage": "derived" }, { "type": "article", "label": "Sepa Credit Transfer – Happy Path", "href": "/2026/07/13/sct-happy-path", "coverage": "derived" }, { "type": "article", "label": "SEPA Credit Transfer – Recall Flow", "href": "/2026/07/13/sct-recall-flow", "coverage": "derived" }, { "type": "article", "label": "SEPA Credit Transfer – Reject Flow", "href": "/2026/07/13/sct-reject-flow", "coverage": "derived" }, { "type": "article", "label": "Sepa Credit Transfer – Return Flow", "href": "/2026/07/13/sct-return-flow", "coverage": "derived" }, { "type": "article", "label": "SEPA Instant – Happy Path Flow", "href": "/2026/07/13/sepa-instant-happy-path-flow", "coverage": "derived" }, { "type": "article", "label": "SEPA Instant – Introduction", "href": "/2026/07/13/sepa-instant-introduction", "coverage": "derived" }, { "type": "article", "label": "SEPA Instant R-Message flows", "href": "/2026/07/13/sepa-instant-r-message-flows", "coverage": "derived" }, { "type": "article", "label": "SEPA Payment Messages", "href": "/2026/07/13/sepa-payment-messages", "coverage": "derived" }, { "type": "article", "label": "Serial and cover in ISO 20022: pacs.008 and pacs.009 COV", "href": "/2026/07/13/iso-20022-serial-and-cover", "coverage": "derived" }, { "type": "article", "label": "STEP2: the pan-European ACH", "href": "/2026/07/13/step2-pan-european-ach", "coverage": "derived" }, { "type": "article", "label": "Structured and hybrid addresses in ISO 20022", "href": "/2026/07/13/structured-and-hybrid-addresses-iso20022", "coverage": "derived" }, { "type": "article", "label": "Structured remittance information", "href": "/2026/07/13/structured-remittance-information", "coverage": "derived" }, { "type": "article", "label": "SWIFT – A Communication Platform", "href": "/2026/07/13/swift-a-communication-platform", "coverage": "derived" }, { "type": "article", "label": "Swift Alliance interfaces", "href": "/2026/07/13/swift-alliance-interfaces", "coverage": "derived" }, { "type": "article", "label": "SWIFT Cancellations and Investigation Messages", "href": "/2026/07/13/swift-cancellations-and-investigation-messages", "coverage": "derived" }, { "type": "article", "label": "SWIFT financial-institution funds transfers", "href": "/2026/07/13/swift-financial-institution-funds-transfers", "coverage": "derived" }, { "type": "article", "label": "SWIFT for corporates and SCORE", "href": "/2026/07/13/swift-for-corporates-score", "coverage": "derived" }, { "type": "article", "label": "SWIFT for trade finance", "href": "/2026/07/13/swift-for-trade-finance", "coverage": "derived" }, { "type": "article", "label": "SWIFT for treasury and securities", "href": "/2026/07/13/swift-for-treasury-and-securities", "coverage": "derived" }, { "type": "article", "label": "SWIFT Go: low-value cross-border payments", "href": "/2026/07/13/swift-go-low-value-payments", "coverage": "derived" }, { "type": "article", "label": "SWIFT gpi and payment tracking", "href": "/2026/07/13/swift-gpi-and-payment-tracking", "coverage": "derived" }, { "type": "article", "label": "SWIFT gpi service variants", "href": "/2026/07/13/swift-gpi-service-variants", "coverage": "derived" }, { "type": "article", "label": "SWIFT hosted compliance services", "href": "/2026/07/13/swift-hosted-compliance-services", "coverage": "derived" }, { "type": "article", "label": "SWIFT investigation and exception messages", "href": "/2026/07/13/swift-investigation-and-exception-messages", "coverage": "derived" }, { "type": "article", "label": "SWIFT message validation: mandatory and optional fields", "href": "/2026/07/13/swift-message-validation-and-fields", "coverage": "derived" }, { "type": "article", "label": "SWIFT messaging services: FIN, InterAct, and FileAct", "href": "/2026/07/13/swift-messaging-services-fin-interact-fileact", "coverage": "derived" }, { "type": "article", "label": "SWIFT MT – Payments Perspective", "href": "/2026/07/13/swift-mt-payments-perspective", "coverage": "derived" }, { "type": "article", "label": "SWIFT MT – Serial and Cover Method", "href": "/2026/07/13/swift-mt-serial-and-cover-method", "coverage": "derived" }, { "type": "article", "label": "SWIFT MT101", "href": "/2026/07/13/swift-mt101", "coverage": "derived" }, { "type": "article", "label": "SWIFT MT103", "href": "/2026/07/13/swift-mt-mt103", "coverage": "derived" }, { "type": "article", "label": "SWIFT MT1xx Customer Payment Messages", "href": "/2026/07/13/swift-mt1xx-customer-payment-messages", "coverage": "derived" }, { "type": "article", "label": "SWIFT MT2xx Financial Institution Messages", "href": "/2026/07/13/swift-mt2xx-financial-institution-messages", "coverage": "derived" }, { "type": "article", "label": "SWIFT MT9xx: statements and confirmations", "href": "/2026/07/13/swift-mt9xx-statements-and-confirmations", "coverage": "derived" }, { "type": "article", "label": "SWIFT MTs – Blocks 1 Through 5", "href": "/2026/07/13/swift-mts-blocks-1-through-5", "coverage": "derived" }, { "type": "article", "label": "SWIFT MTs – Key Details", "href": "/2026/07/13/swift-mts-key-details", "coverage": "derived" }, { "type": "article", "label": "SWIFT payment pre-validation", "href": "/2026/07/13/swift-payment-pre-validation", "coverage": "derived" }, { "type": "article", "label": "SWIFT System and Service Messages", "href": "/2026/07/13/swift-system-and-service-messages", "coverage": "derived" }, { "type": "article", "label": "SWIFT Universal Confirmation and gpi Services", "href": "/2026/07/13/swift-universal-confirmation-and-gpi-services", "coverage": "derived" }, { "type": "article", "label": "SWIFTNet and connecting to Swift", "href": "/2026/07/13/swiftnet-and-connectivity", "coverage": "derived" }, { "type": "article", "label": "SWIFTRef: reference data services", "href": "/2026/07/13/swiftref-reference-data-services", "coverage": "derived" }, { "type": "article", "label": "The annual Standards Release (MSR)", "href": "/2026/07/13/swift-message-standards-release", "coverage": "derived" }, { "type": "article", "label": "The BIC Directory and Bank Directory Plus", "href": "/2026/07/13/bic-directory-and-bank-directory-plus", "coverage": "derived" }, { "type": "article", "label": "The Business Application Header (BAH)", "href": "/2026/07/13/the-business-application-header", "coverage": "derived" }, { "type": "article", "label": "The camt family: cash management and reporting", "href": "/2026/07/13/camt-cash-management-messages", "coverage": "derived" }, { "type": "article", "label": "The ISO 20022 message model", "href": "/2026/07/13/iso-20022-message-model", "coverage": "derived" }, { "type": "article", "label": "The ISO 20022 migration timeline", "href": "/2026/07/14/iso-20022-migration-timeline", "coverage": "derived" }, { "type": "article", "label": "The pain.001 payment initiation", "href": "/2026/07/13/the-pain-001-payment-initiation", "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 Customer Security Programme (CSP)", "href": "/2026/07/13/swift-customer-security-programme", "coverage": "derived" }, { "type": "article", "label": "The SWIFT KYC Registry", "href": "/2026/07/13/the-swift-kyc-registry", "coverage": "derived" }, { "type": "article", "label": "The SWIFT message categories", "href": "/2026/07/13/swift-message-categories-overview", "coverage": "derived" }, { "type": "article", "label": "The SWIFT Payment Controls Service", "href": "/2026/07/13/swift-payment-controls-service", "coverage": "derived" }, { "type": "article", "label": "The SWIFT Transaction Manager", "href": "/2026/07/13/swift-transaction-manager", "coverage": "derived" }, { "type": "article", "label": "Trade-Based Money Laundering: Value Hidden in Trade", "href": "/2026/07/13/trade-based-money-laundering", "coverage": "derived" }, { "type": "article", "label": "Translating MT to MX", "href": "/2026/07/13/mt-to-mx-translation", "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": "CBPR+ corporate payment — full MX lifecycle", "href": "/explore/cbpr-corporate-lifecycle", "coverage": "direct" }, { "type": "flow", "label": "CBPR+ cross-border transfer (pacs.008)", "href": "/explore/cbpr-pacs008", "coverage": "direct" }, { "type": "flow", "label": "Corporate payment — legacy MT lifecycle", "href": "/explore/mt-corporate-lifecycle", "coverage": "direct" }, { "type": "flow", "label": "ISO 20022 cover payment (pacs.008 + pacs.009 COV)", "href": "/explore/mx-cover", "coverage": "direct" }, { "type": "flow", "label": "SWIFT cover payment (MT103 + MT202 COV)", "href": "/explore/swift-cover", "coverage": "direct" }, { "type": "flow", "label": "SWIFT gpi (tracked correspondent payment)", "href": "/explore/swift-gpi", "coverage": "direct" }, { "type": "flow", "label": "SWIFT serial payment (MT103)", "href": "/explore/swift-serial", "coverage": "direct" }, { "type": "glossary", "label": "Alliance Access", "href": "/glossary#alliance-access", "coverage": "derived" }, { "type": "glossary", "label": "Alliance Cloud", "href": "/glossary#alliance-cloud", "coverage": "derived" }, { "type": "glossary", "label": "Alliance Lite2", "href": "/glossary#alliance-lite2", "coverage": "derived" }, { "type": "glossary", "label": "ANSI X12 (X12/820)", "href": "/glossary#ansi-x12", "coverage": "derived" }, { "type": "glossary", "label": "BACS Standard 18", "href": "/glossary#bacs-standard-18", "coverage": "derived" }, { "type": "glossary", "label": "Bank Directory Plus", "href": "/glossary#bank-directory-plus", "coverage": "derived" }, { "type": "glossary", "label": "Bank Payment Obligation (BPO)", "href": "/glossary#bank-payment-obligation", "coverage": "derived" }, { "type": "glossary", "label": "BIC", "href": "/glossary#bic", "coverage": "derived" }, { "type": "glossary", "label": "BIC Directory", "href": "/glossary#bic-directory", "coverage": "derived" }, { "type": "glossary", "label": "Book payment", "href": "/glossary#book-payment", "coverage": "derived" }, { "type": "glossary", "label": "Browse", "href": "/glossary#browse", "coverage": "derived" }, { "type": "glossary", "label": "Business Application Header", "href": "/glossary#business-application-header", "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": "CBPR+", "href": "/glossary#cbpr-plus", "coverage": "derived" }, { "type": "glossary", "label": "CGI-MP (Common Global Implementation – Market Practice)", "href": "/glossary#cgi-mp", "coverage": "derived" }, { "type": "glossary", "label": "Charge bearer", "href": "/glossary#charge-bearer", "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": "Daily Validation Report (DVR)", "href": "/glossary#daily-validation-report", "coverage": "derived" }, { "type": "glossary", "label": "Documentary Credit", "href": "/glossary#documentary-credit", "coverage": "derived" }, { "type": "glossary", "label": "FIN", "href": "/glossary#fin", "coverage": "derived" }, { "type": "glossary", "label": "FINplus", "href": "/glossary#finplus", "coverage": "derived" }, { "type": "glossary", "label": "gpi Cover (gCOV)", "href": "/glossary#gcov", "coverage": "derived" }, { "type": "glossary", "label": "gpi Customer Credit Transfer (gCCT)", "href": "/glossary#gcct", "coverage": "derived" }, { "type": "glossary", "label": "gpi Financial Institution Transfer (gFIT)", "href": "/glossary#gfit", "coverage": "derived" }, { "type": "glossary", "label": "gpi Instant", "href": "/glossary#gpi-instant", "coverage": "derived" }, { "type": "glossary", "label": "gSRP (gpi Stop and Recall Payment)", "href": "/glossary#gsrp", "coverage": "derived" }, { "type": "glossary", "label": "HVPS+", "href": "/glossary#hvps-plus", "coverage": "derived" }, { "type": "glossary", "label": "Hybrid address", "href": "/glossary#hybrid-address", "coverage": "derived" }, { "type": "glossary", "label": "IBAN Plus", "href": "/glossary#iban-plus", "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": "Intermediary agent", "href": "/glossary#intermediary-agent", "coverage": "derived" }, { "type": "glossary", "label": "ISO 20022", "href": "/glossary#iso-20022", "coverage": "derived" }, { "type": "glossary", "label": "ISO 8583", "href": "/glossary#iso-8583", "coverage": "derived" }, { "type": "glossary", "label": "KYC Registry", "href": "/glossary#kyc-registry", "coverage": "derived" }, { "type": "glossary", "label": "LEI", "href": "/glossary#lei", "coverage": "derived" }, { "type": "glossary", "label": "Loro account", "href": "/glossary#loro-account", "coverage": "derived" }, { "type": "glossary", "label": "Mandatory and optional fields (M/O)", "href": "/glossary#mandatory-optional-fields", "coverage": "derived" }, { "type": "glossary", "label": "Message Category", "href": "/glossary#message-category", "coverage": "derived" }, { "type": "glossary", "label": "MT message", "href": "/glossary#mt-message", "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": "MX message", "href": "/glossary#mx-message", "coverage": "derived" }, { "type": "glossary", "label": "Network-validated rules", "href": "/glossary#network-validated-rules", "coverage": "derived" }, { "type": "glossary", "label": "Nostro account", "href": "/glossary#nostro-account", "coverage": "derived" }, { "type": "glossary", "label": "On-us payment", "href": "/glossary#on-us-payment", "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.007 (FI-to-FI Payment Reversal)", "href": "/glossary#pacs-007", "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": "Payment Controls Service (PCS)", "href": "/glossary#payment-controls-service", "coverage": "derived" }, { "type": "glossary", "label": "Payment Pre-validation", "href": "/glossary#payment-pre-validation", "coverage": "derived" }, { "type": "glossary", "label": "R-transaction", "href": "/glossary#r-transaction", "coverage": "derived" }, { "type": "glossary", "label": "Recall", "href": "/glossary#recall", "coverage": "derived" }, { "type": "glossary", "label": "Reconciliation", "href": "/glossary#reconciliation", "coverage": "derived" }, { "type": "glossary", "label": "Reject", "href": "/glossary#reject", "coverage": "derived" }, { "type": "glossary", "label": "Return", "href": "/glossary#return", "coverage": "derived" }, { "type": "glossary", "label": "RMA", "href": "/glossary#rma", "coverage": "derived" }, { "type": "glossary", "label": "RMA Plus", "href": "/glossary#rma-plus", "coverage": "derived" }, { "type": "glossary", "label": "SCORE", "href": "/glossary#score", "coverage": "derived" }, { "type": "glossary", "label": "SCT", "href": "/glossary#sct", "coverage": "derived" }, { "type": "glossary", "label": "SCT Inst", "href": "/glossary#sct-inst", "coverage": "derived" }, { "type": "glossary", "label": "SEPA Routing Directory", "href": "/glossary#sepa-routing-directory", "coverage": "derived" }, { "type": "glossary", "label": "Serial payment", "href": "/glossary#serial-payment", "coverage": "derived" }, { "type": "glossary", "label": "Service bureau", "href": "/glossary#service-bureau", "coverage": "derived" }, { "type": "glossary", "label": "SSI Directory", "href": "/glossary#ssi-directory", 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