{
  "generatedFrom": "Payments Signal canonical architecture registry",
  "notice": "SYNTHETIC / TRAINING ONLY",
  "blueprintId": "architecture-instant-payments",
  "versionLabel": "Payments Signal reference architecture v1",
  "reviewDate": "2026-07-23",
  "traces": [
    {
      "id": "instant-payment-trace",
      "label": "One funded instant credit transfer",
      "summary": "Follow one payment through payer confirmation, bounded controls, network routing, settlement, beneficiary posting, and customer status.",
      "viewId": "component",
      "steps": [
        {
          "id": "instant-payment-trace-step-1",
          "title": "Payer confirms once",
          "nodeId": "instant-payer",
          "plainExplanation": "The channel creates one stable reference and starts the service clock.",
          "businessState": "Customer confirmed"
        },
        {
          "id": "instant-payment-trace-step-2",
          "title": "Sender validates and funds",
          "nodeId": "instant-sender",
          "interfaceId": "instant-e1",
          "plainExplanation": "Account, funds, duplicates, route, and time budget pass.",
          "businessState": "Participant accepted"
        },
        {
          "id": "instant-payment-trace-step-3",
          "title": "Controls clear",
          "nodeId": "instant-controls",
          "interfaceId": "instant-e2",
          "plainExplanation": "Fraud, sanctions, and applicable payee checks return an explicit outcome.",
          "businessState": "Controls cleared",
          "controlEvidence": "Decision, rule/model version, elapsed time"
        },
        {
          "id": "instant-payment-trace-step-4",
          "title": "Network admits the payment",
          "nodeId": "instant-network",
          "interfaceId": "instant-e3",
          "plainExplanation": "The infrastructure validates participant, message, duplicate, and service timing.",
          "businessState": "Network accepted",
          "messageIds": [
            "pacs-008"
          ]
        },
        {
          "id": "instant-payment-trace-step-5",
          "title": "Settlement moves",
          "nodeId": "instant-settlement",
          "interfaceId": "instant-e4",
          "plainExplanation": "Funded settlement asset moves under the rail's model.",
          "businessState": "Settled final",
          "ledgerEffect": "Sending settlement account debit; receiving settlement account credit"
        },
        {
          "id": "instant-payment-trace-step-6",
          "title": "Beneficiary posts",
          "nodeId": "instant-receiver",
          "interfaceId": "instant-e5",
          "plainExplanation": "The receiving participant validates and posts once.",
          "businessState": "Beneficiary credited"
        },
        {
          "id": "instant-payment-trace-step-7",
          "title": "Outcome reconciles",
          "nodeId": "instant-reporting",
          "interfaceId": "instant-e7",
          "plainExplanation": "Network, settlement, and participant posting evidence agree.",
          "businessState": "End-to-end confirmed"
        },
        {
          "id": "instant-payment-trace-step-8",
          "title": "Payer sees the proven result",
          "nodeId": "instant-payer",
          "interfaceId": "instant-e8",
          "plainExplanation": "The channel reports completed only when the authoritative state supports it.",
          "businessState": "Customer informed"
        }
      ],
      "evidence": [
        {
          "ref": {
            "sourceId": "bis-fast-payments",
            "locator": "Fast-payment architecture and risk considerations",
            "label": "official-requirement"
          },
          "verifiedDate": "2026-07-23",
          "versionContext": "CPMI fast-payments report"
        }
      ]
    }
  ],
  "stressCases": [
    {
      "id": "instant-stress-timeout",
      "label": "Timeout with a late positive outcome",
      "trigger": "The payer-facing timer expires while settlement or receiver response is still in flight.",
      "divergesAfterStepId": "instant-payment-trace-step-4",
      "traceId": "instant-payment-trace",
      "affectedNodeIds": [
        "instant-network",
        "instant-settlement",
        "instant-reporting",
        "instant-payer"
      ],
      "affectedInterfaceIds": [
        "instant-e4",
        "instant-e7",
        "instant-e8"
      ],
      "lastConfirmedState": "Network accepted; final settlement and beneficiary posting are not yet confirmed to the sender.",
      "settlementState": "Unknown until the settlement service returns authoritative evidence.",
      "fundsState": "The payer's debit or reservation stays under pending-outcome control; no second payment is created.",
      "owner": "Sending participant instant-payment operations",
      "safeAction": "Show a truthful pending or timed-out status, enquire with the original reference, and accept a late final outcome in state order.",
      "requiredEvidence": [
        "End-to-end reference",
        "Network timestamp",
        "Settlement result",
        "Receiver response"
      ],
      "recoverySteps": [
        "Reconcile late outcome",
        "Update the customer once",
        "Release or retain postings according to final state"
      ],
      "evidence": [
        {
          "ref": {
            "sourceId": "bis-fast-payments",
            "locator": "Operational and timeout considerations",
            "label": "official-requirement"
          },
          "verifiedDate": "2026-07-23",
          "versionContext": "CPMI fast-payments report"
        }
      ]
    },
    {
      "id": "instant-stress-liquidity",
      "label": "Insufficient prefunding",
      "trigger": "The sender lacks the settlement asset required by the instant service.",
      "divergesAfterStepId": "instant-payment-trace-step-4",
      "traceId": "instant-payment-trace",
      "affectedNodeIds": [
        "instant-sender",
        "instant-settlement",
        "instant-resilience"
      ],
      "affectedInterfaceIds": [
        "instant-e4",
        "instant-e9"
      ],
      "lastConfirmedState": "Payment admitted to the service; settlement not completed.",
      "settlementState": "Not settled unless the rail explicitly permits queueing and later confirms it.",
      "fundsState": "Receiver has no settled funds; sender must apply the rail-defined rejection or liquidity treatment.",
      "owner": "Participant treasury and instant-payment operations",
      "safeAction": "Apply the documented liquidity response and do not report completion.",
      "requiredEvidence": [
        "Settlement balance",
        "Liquidity threshold",
        "Rail response",
        "Customer posting state"
      ],
      "recoverySteps": [
        "Fund the account for future payments",
        "Close or retry only if the rail and customer contract permit"
      ],
      "evidence": [
        {
          "ref": {
            "sourceId": "bis-fast-payments",
            "locator": "Settlement and liquidity considerations",
            "label": "official-requirement"
          },
          "verifiedDate": "2026-07-23",
          "versionContext": "CPMI fast-payments report"
        },
        {
          "ref": {
            "sourceId": "bis-cpmi-pfmi",
            "locator": "Principle 7",
            "label": "official-requirement"
          },
          "verifiedDate": "2026-07-23",
          "versionContext": "CPMI-IOSCO Principles for financial market infrastructures"
        }
      ]
    },
    {
      "id": "instant-stress-core",
      "label": "Settlement final, receiver core unavailable",
      "trigger": "The instant settlement movement is final but the receiving participant cannot post the beneficiary account.",
      "divergesAfterStepId": "instant-payment-trace-step-5",
      "traceId": "instant-payment-trace",
      "affectedNodeIds": [
        "instant-settlement",
        "instant-receiver",
        "instant-reporting"
      ],
      "affectedInterfaceIds": [
        "instant-e6",
        "instant-e7"
      ],
      "lastConfirmedState": "Settlement final; beneficiary posting pending.",
      "settlementState": "Final under the rail's settlement rules.",
      "fundsState": "The receiving participant holds settled funds and owes controlled resolution to the beneficiary.",
      "owner": "Receiving participant payment and core-ledger operations",
      "safeAction": "Repair the beneficiary posting idempotently; do not resend or reverse the interbank payment without the formal exception path.",
      "requiredEvidence": [
        "Settlement reference",
        "Receiving account result",
        "Posting journal",
        "Customer-status history"
      ],
      "recoverySteps": [
        "Restore core service",
        "Post once",
        "Report and reconcile the delay"
      ],
      "evidence": [
        {
          "ref": {
            "sourceId": "bis-cpmi-pfmi",
            "locator": "Principles 8 and 17",
            "label": "official-requirement"
          },
          "verifiedDate": "2026-07-23",
          "versionContext": "CPMI-IOSCO Principles for financial market infrastructures"
        },
        {
          "ref": {
            "sourceId": "bis-fast-payments",
            "locator": "Operational resilience considerations",
            "label": "official-requirement"
          },
          "verifiedDate": "2026-07-23",
          "versionContext": "CPMI fast-payments report"
        }
      ]
    }
  ]
}