{
  "generatedFrom": "Payments Signal canonical architecture registry",
  "notice": "SYNTHETIC / TRAINING ONLY",
  "blueprintId": "architecture-correspondent-cbpr",
  "versionLabel": "Payments Signal reference architecture v1",
  "reviewDate": "2026-07-23",
  "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"
        }
      ]
    }
  ]
}