{
  "generatedFrom": "Payments Signal canonical architecture registry",
  "reviewDate": "2026-07-23",
  "blueprint": {
    "id": "architecture-swift-connectivity",
    "slug": "swift-connectivity-fin-finplus",
    "title": "Swift connectivity, FIN, FINplus, RMA, security-zone, and MT-to-MX coexistence architecture",
    "shortTitle": "Swift connectivity",
    "family": "messaging",
    "summary": "Shows the business, relationship, identity, interface, network, and operations boundaries that sit between a payment engine and FIN or FINplus.",
    "audience": "Swift architects, payment architects, security teams, operations, and migration programmes",
    "reviewDate": "2026-07-23",
    "versionLabel": "Payments Signal reference architecture v1",
    "status": "current",
    "nodes": [
      {
        "id": "swift-payment-core",
        "title": "Payment core and message preparation",
        "kind": "application",
        "summary": "Creates the approved MT or MX instruction and keeps its lifecycle reference.",
        "responsibilities": [
          "Choose the correct message and profile",
          "Preserve business references across MT and MX coexistence"
        ],
        "owner": "Payments technology",
        "inputs": [
          "Approved payment",
          "Route",
          "Counterparty and profile"
        ],
        "outputs": [
          "FIN MT or FINplus ISO 20022 document"
        ],
        "interfaceContracts": [
          "Current MT release or CBPR+ profile",
          "Correlation and duplicate contract"
        ],
        "controls": [
          "Profile validation",
          "Release entitlement",
          "No silent MT-to-MX data loss"
        ],
        "failureModes": [
          "Wrong service selected",
          "Unsupported message after migration milestone",
          "Truncated party data"
        ],
        "recovery": [
          "Stop before network release",
          "Repair against the current profile",
          "Use contingency conversion only where Swift explicitly supports it"
        ],
        "lenses": [
          "applications",
          "interfaces",
          "data",
          "controls",
          "operations"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-iso20022-programme",
              "locator": "FIN and FINplus coexistence and ISO 20022 adoption",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift ISO 20022 programme and public document centre"
          },
          {
            "ref": {
              "sourceId": "swift-mt-standards",
              "locator": "Standards release information",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Current Swift MT release"
          }
        ],
        "messageIds": [
          "mt103",
          "mt202",
          "mt202cov",
          "pacs-008",
          "pacs-009"
        ],
        "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": "swift-rma",
        "title": "Relationship Management Application policy",
        "shortTitle": "RMA policy",
        "kind": "control",
        "summary": "Controls whether the institution permits a counterparty to send within the governed Swift relationship and scope.",
        "responsibilities": [
          "Evaluate relationship authorisation",
          "Maintain approved counterparties and message scope"
        ],
        "owner": "Swift security administration",
        "inputs": [
          "Counterparty BIC",
          "Service",
          "Message scope",
          "Effective policy"
        ],
        "outputs": [
          "Allow or deny decision with policy evidence"
        ],
        "interfaceContracts": [
          "RMA policy and administration process"
        ],
        "controls": [
          "Segregation of duties",
          "Periodic recertification",
          "Change audit"
        ],
        "failureModes": [
          "Missing authorisation",
          "Over-broad scope",
          "Expired relationship"
        ],
        "recovery": [
          "Hold the message",
          "Correct the relationship through the authorised administration process"
        ],
        "lenses": [
          "controls",
          "ownership",
          "operations",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-services",
              "locator": "Relationship Management Application public product context",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Current Swift service documentation"
          }
        ],
        "relatedTargets": [
          {
            "type": "flow",
            "id": "flow-swift-rma-routing"
          }
        ],
        "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": "swift-interface",
        "title": "Swift messaging interface",
        "kind": "gateway",
        "summary": "Applies queueing, signing, service selection, acknowledgements, and local message controls.",
        "responsibilities": [
          "Queue and release messages",
          "Correlate Swift acknowledgements",
          "Expose operator status"
        ],
        "owner": "Swift platform operations",
        "inputs": [
          "Approved message",
          "RMA outcome",
          "Signing authority"
        ],
        "outputs": [
          "Network submission and technical status"
        ],
        "interfaceContracts": [
          "Swift interface and network service contract"
        ],
        "controls": [
          "Dual control",
          "Queue integrity",
          "Duplicate detection",
          "Secure operator access"
        ],
        "failureModes": [
          "Queue stall",
          "Local NAK",
          "Lost acknowledgement",
          "Clock or certificate issue"
        ],
        "recovery": [
          "Reconcile the local queue and network acknowledgement",
          "Resume from the durable interface state"
        ],
        "lenses": [
          "applications",
          "interfaces",
          "controls",
          "operations",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-iso20022-programme",
              "locator": "Swift network and migration context",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift ISO 20022 programme and public document centre"
          },
          {
            "ref": {
              "sourceId": "swift-csp",
              "locator": "Secure operating environment and control objectives",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift Customer Security Programme; detailed controls require authenticated access"
          }
        ],
        "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": "swift-security-zone",
        "title": "Swift secure zone and identity services",
        "shortTitle": "Secure zone",
        "kind": "security",
        "summary": "Protects credentials, signing authority, administrative access, and the controlled Swift footprint.",
        "responsibilities": [
          "Protect identities and secrets",
          "Separate user, administrator, and service duties",
          "Monitor the secure zone"
        ],
        "owner": "Cybersecurity and Swift security officers",
        "inputs": [
          "Administrative changes",
          "Signing requests",
          "Security telemetry"
        ],
        "outputs": [
          "Authenticated identities",
          "Protected signing operations",
          "Security alerts"
        ],
        "interfaceContracts": [
          "Customer Security Controls Framework-aligned control design"
        ],
        "controls": [
          "Least privilege",
          "Multi-factor authentication",
          "Segmentation",
          "Logging",
          "Integrity monitoring"
        ],
        "failureModes": [
          "Credential compromise",
          "Unapproved configuration",
          "Monitoring outage"
        ],
        "recovery": [
          "Contain the zone",
          "Revoke and replace credentials",
          "Reconcile messages and configuration before service restoration"
        ],
        "lenses": [
          "controls",
          "ownership",
          "operations",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-csp",
              "locator": "Customer Security Controls Framework",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift Customer Security Programme; detailed controls require authenticated access"
          }
        ],
        "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": "swift-connectivity",
        "title": "Resilient Swift connectivity",
        "kind": "infrastructure",
        "summary": "Carries FIN and FINplus traffic through independently recoverable network paths.",
        "responsibilities": [
          "Maintain service connectivity",
          "Fail over without duplicating business submissions"
        ],
        "owner": "Network and Swift infrastructure operations",
        "inputs": [
          "Encrypted Swift service traffic"
        ],
        "outputs": [
          "Delivered traffic and connectivity telemetry"
        ],
        "interfaceContracts": [
          "Swift connectivity service and institution recovery design"
        ],
        "controls": [
          "Path diversity",
          "Change control",
          "Capacity monitoring",
          "Failover tests"
        ],
        "failureModes": [
          "Path outage",
          "Regional connectivity failure",
          "Asymmetric reachability"
        ],
        "recovery": [
          "Fail over under a tested runbook",
          "Reconcile queued and acknowledged traffic"
        ],
        "lenses": [
          "applications",
          "interfaces",
          "operations",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-iso20022-programme",
              "locator": "Swift messaging services",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift ISO 20022 programme and public document centre"
          },
          {
            "ref": {
              "sourceId": "swift-csp",
              "locator": "Resilience and secure-zone control objectives",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift Customer Security Programme; detailed controls require authenticated access"
          }
        ],
        "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": "swift-fin",
        "title": "FIN service",
        "kind": "external-network",
        "summary": "Transports supported MT messages and returns network validation and delivery evidence.",
        "responsibilities": [
          "Apply FIN service controls",
          "Return network acknowledgements and delivery status"
        ],
        "owner": "Swift",
        "inputs": [
          "FIN MT message"
        ],
        "outputs": [
          "ACK, NAK, delivery status, or network report"
        ],
        "interfaceContracts": [
          "Current FIN service and MT release"
        ],
        "controls": [
          "Network validation",
          "Service eligibility",
          "Store-and-forward controls"
        ],
        "failureModes": [
          "NAK",
          "Service outage",
          "Unsupported message or release"
        ],
        "recovery": [
          "Correct a NAK before resubmission",
          "Follow the applicable network continuity procedure"
        ],
        "lenses": [
          "interfaces",
          "data",
          "controls",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-mt-standards",
              "locator": "MT releases and message support",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Current Swift MT standards release"
          }
        ],
        "messageIds": [
          "mt101",
          "mt103",
          "mt202",
          "mt202cov",
          "mt192",
          "mt196",
          "mt199"
        ],
        "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": "swift-finplus",
        "title": "FINplus service",
        "kind": "external-network",
        "summary": "Transports ISO 20022 messages under the applicable Swift service and usage guideline.",
        "responsibilities": [
          "Apply FINplus service controls",
          "Carry the selected ISO 20022 business document"
        ],
        "owner": "Swift",
        "inputs": [
          "Business Application Header and ISO 20022 document"
        ],
        "outputs": [
          "Technical and delivery status"
        ],
        "interfaceContracts": [
          "FINplus service and CBPR+ usage guideline where applicable"
        ],
        "controls": [
          "Service validation",
          "Counterparty addressing",
          "Duplicate controls"
        ],
        "failureModes": [
          "Network rejection",
          "Profile failure",
          "Unavailable service"
        ],
        "recovery": [
          "Correct the identified issue",
          "Use only an authorised contingency path"
        ],
        "lenses": [
          "interfaces",
          "data",
          "controls",
          "resilience"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-iso20022-programme",
              "locator": "FINplus and ISO 20022 adoption",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift ISO 20022 programme and public document centre"
          },
          {
            "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"
          }
        ],
        "messageIds": [
          "pacs-008",
          "pacs-009",
          "pacs-002",
          "pacs-004",
          "camt-056",
          "camt-029"
        ],
        "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": "swift-ops",
        "title": "Swift operations and security monitoring",
        "kind": "operations",
        "summary": "Reconciles local queues, network evidence, security alerts, and business outcomes.",
        "responsibilities": [
          "Monitor queues and acknowledgements",
          "Investigate missing or conflicting outcomes",
          "Coordinate continuity actions"
        ],
        "owner": "Swift operations and payment operations",
        "inputs": [
          "Interface status",
          "Network acknowledgements",
          "Security telemetry",
          "Business state"
        ],
        "outputs": [
          "Resolved incident",
          "Controlled replay decision",
          "Audit trail"
        ],
        "interfaceContracts": [
          "Operations runbook and escalation matrix"
        ],
        "controls": [
          "Four-eyes release",
          "Evidence-based replay",
          "Incident and change records"
        ],
        "failureModes": [
          "Alert gap",
          "Unowned queue",
          "Premature replay"
        ],
        "recovery": [
          "Establish the last confirmed state",
          "Assign one incident owner",
          "Reconcile before replay"
        ],
        "lenses": [
          "ownership",
          "operations",
          "resilience",
          "controls"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-csp",
              "locator": "Operational and security controls",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift Customer Security Programme; detailed controls require authenticated access"
          },
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Operational correlation",
              "label": "simplified-educational-illustration",
              "simplifications": "Institutions organise network and payment operations differently."
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Payments Signal reference architecture v1"
          }
        ],
        "dataClassification": [
          "Payment, message, status, and operational metadata"
        ],
        "nonFunctionalRequirements": [
          "Durable correlation through stable business and technical identifiers",
          "Capacity and availability matched to the service-level objective",
          "Auditable state changes, configuration, and operator actions"
        ]
      }
    ],
    "interfaces": [
      {
        "id": "swift-e1",
        "from": "swift-payment-core",
        "to": "swift-rma",
        "title": "Counterparty authorisation",
        "kind": "control",
        "mode": "synchronous",
        "purpose": "Confirm that the relationship and message scope permit release.",
        "failureBehaviour": "A missing or invalid relationship keeps the message unreleased.",
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-services",
              "locator": "Relationship Management Application",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Current Swift service documentation"
          }
        ],
        "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": "swift-e2",
        "from": "swift-rma",
        "to": "swift-interface",
        "title": "Authorised release",
        "kind": "control",
        "mode": "synchronous",
        "purpose": "Pass the approved message and policy evidence to the interface.",
        "failureBehaviour": "A deny result remains visible and cannot be overridden by transport retry.",
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "RMA release boundary",
              "label": "simplified-educational-illustration",
              "simplifications": "The exact local integration depends on the Swift interface and operating model."
            },
            "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": "swift-e3",
        "from": "swift-security-zone",
        "to": "swift-interface",
        "title": "Identity and signing authority",
        "kind": "control",
        "mode": "synchronous",
        "purpose": "Authorise protected message and administration operations.",
        "failureBehaviour": "Unavailable or untrusted signing authority stops release.",
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-csp",
              "locator": "Customer Security Controls Framework",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift Customer Security Programme; detailed controls require authenticated access"
          }
        ],
        "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": "swift-e4",
        "from": "swift-interface",
        "to": "swift-connectivity",
        "title": "Encrypted service traffic",
        "kind": "message",
        "mode": "asynchronous",
        "purpose": "Carry queued messages and receive technical evidence through resilient connectivity.",
        "failureBehaviour": "The interface retains queue state while connectivity is unavailable.",
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-iso20022-programme",
              "locator": "Swift messaging services",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift ISO 20022 programme and public document centre"
          }
        ],
        "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": "swift-e5",
        "from": "swift-connectivity",
        "to": "swift-fin",
        "title": "FIN MT traffic",
        "kind": "message",
        "mode": "asynchronous",
        "purpose": "Send a supported MT message through FIN.",
        "messageIds": [
          "mt103",
          "mt202",
          "mt202cov"
        ],
        "failureBehaviour": "A NAK or unavailable service is reconciled before correction or resend.",
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-mt-standards",
              "locator": "FIN MT standards release",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Current Swift MT standards release"
          }
        ],
        "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": "swift-e6",
        "from": "swift-connectivity",
        "to": "swift-finplus",
        "title": "FINplus MX traffic",
        "kind": "message",
        "mode": "asynchronous",
        "purpose": "Send the ISO 20022 document through FINplus.",
        "messageIds": [
          "pacs-008",
          "pacs-009",
          "pacs-002"
        ],
        "failureBehaviour": "A network or profile rejection is kept distinct from downstream business processing.",
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-iso20022-programme",
              "locator": "FINplus adoption",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift ISO 20022 programme and public document centre"
          },
          {
            "ref": {
              "sourceId": "cbpr-usage-guidelines",
              "locator": "CBPR+ 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": "swift-e7",
        "from": "swift-interface",
        "to": "swift-ops",
        "title": "Queue and acknowledgement telemetry",
        "kind": "operator",
        "mode": "asynchronous",
        "purpose": "Expose message, queue, acknowledgement, and delivery state to operations.",
        "failureBehaviour": "Monitoring gaps raise an incident; they do not imply a failed or unsent payment.",
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-csp",
              "locator": "Monitoring and incident-response control objectives",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift Customer Security Programme; detailed controls require authenticated access"
          }
        ],
        "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": "swift-e8",
        "from": "swift-ops",
        "to": "swift-payment-core",
        "title": "Reconciled network outcome",
        "kind": "event",
        "mode": "operator",
        "purpose": "Update the payment only from verified network and business evidence.",
        "failureBehaviour": "Conflicting evidence enters investigation and does not overwrite final state.",
        "evidence": [
          {
            "ref": {
              "sourceId": "payments-signal-editorial",
              "locator": "Network-to-business reconciliation",
              "label": "simplified-educational-illustration",
              "simplifications": "Internal status integration varies by institution."
            },
            "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"
        ]
      }
    ],
    "views": [
      {
        "id": "context",
        "label": "Context",
        "plainPurpose": "Who depends on the architecture, which external service it reaches, and where value ultimately moves.",
        "nodeIds": [
          "swift-payment-core",
          "swift-fin",
          "swift-finplus"
        ],
        "interfaceIds": [],
        "placements": {
          "swift-payment-core": {
            "x": 80,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "swift-fin": {
            "x": 444,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "swift-finplus": {
            "x": 808,
            "y": 100,
            "width": 244,
            "height": 126
          }
        },
        "boundaries": [
          {
            "id": "context-network-boundary",
            "label": "External network boundary",
            "nodeIds": [
              "swift-fin",
              "swift-finplus"
            ],
            "kind": "network"
          }
        ]
      },
      {
        "id": "container",
        "label": "Container",
        "plainPurpose": "The major applications, stores, gateways, controls, and operational ownership boundaries.",
        "nodeIds": [
          "swift-payment-core",
          "swift-rma",
          "swift-interface",
          "swift-fin",
          "swift-finplus",
          "swift-ops"
        ],
        "interfaceIds": [
          "swift-e1",
          "swift-e2",
          "swift-e7",
          "swift-e8"
        ],
        "placements": {
          "swift-payment-core": {
            "x": 80,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "swift-rma": {
            "x": 444,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "swift-interface": {
            "x": 808,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "swift-fin": {
            "x": 80,
            "y": 326,
            "width": 244,
            "height": 126
          },
          "swift-finplus": {
            "x": 444,
            "y": 326,
            "width": 244,
            "height": 126
          },
          "swift-ops": {
            "x": 808,
            "y": 326,
            "width": 244,
            "height": 126
          }
        },
        "boundaries": [
          {
            "id": "container-bank-boundary",
            "label": "Institution-controlled boundary",
            "nodeIds": [
              "swift-payment-core",
              "swift-rma",
              "swift-interface",
              "swift-ops"
            ],
            "kind": "ownership"
          },
          {
            "id": "container-network-boundary",
            "label": "External network boundary",
            "nodeIds": [
              "swift-fin",
              "swift-finplus"
            ],
            "kind": "network"
          }
        ]
      },
      {
        "id": "component",
        "label": "Component",
        "plainPurpose": "The processing responsibilities and interface contracts that must cooperate for one payment.",
        "nodeIds": [
          "swift-payment-core",
          "swift-rma",
          "swift-interface",
          "swift-security-zone",
          "swift-connectivity",
          "swift-fin",
          "swift-finplus",
          "swift-ops"
        ],
        "interfaceIds": [
          "swift-e1",
          "swift-e2",
          "swift-e3",
          "swift-e4",
          "swift-e5",
          "swift-e6",
          "swift-e7",
          "swift-e8"
        ],
        "placements": {
          "swift-payment-core": {
            "x": 80,
            "y": 100,
            "width": 196,
            "height": 126
          },
          "swift-rma": {
            "x": 376,
            "y": 100,
            "width": 196,
            "height": 126
          },
          "swift-interface": {
            "x": 672,
            "y": 100,
            "width": 196,
            "height": 126
          },
          "swift-security-zone": {
            "x": 968,
            "y": 100,
            "width": 196,
            "height": 126
          },
          "swift-connectivity": {
            "x": 80,
            "y": 326,
            "width": 196,
            "height": 126
          },
          "swift-fin": {
            "x": 376,
            "y": 326,
            "width": 196,
            "height": 126
          },
          "swift-finplus": {
            "x": 672,
            "y": 326,
            "width": 196,
            "height": 126
          },
          "swift-ops": {
            "x": 968,
            "y": 326,
            "width": 196,
            "height": 126
          }
        },
        "boundaries": [
          {
            "id": "component-bank-boundary",
            "label": "Institution-controlled boundary",
            "nodeIds": [
              "swift-payment-core",
              "swift-rma",
              "swift-interface",
              "swift-security-zone",
              "swift-connectivity",
              "swift-ops"
            ],
            "kind": "ownership"
          },
          {
            "id": "component-network-boundary",
            "label": "External network boundary",
            "nodeIds": [
              "swift-fin",
              "swift-finplus"
            ],
            "kind": "network"
          }
        ]
      },
      {
        "id": "deployment",
        "label": "Deployment",
        "plainPurpose": "The trust zones, runtime dependencies, external connections, and recovery boundaries.",
        "nodeIds": [
          "swift-payment-core",
          "swift-interface",
          "swift-security-zone",
          "swift-connectivity",
          "swift-fin",
          "swift-finplus"
        ],
        "interfaceIds": [
          "swift-e3",
          "swift-e4",
          "swift-e5",
          "swift-e6"
        ],
        "placements": {
          "swift-payment-core": {
            "x": 80,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "swift-interface": {
            "x": 444,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "swift-security-zone": {
            "x": 808,
            "y": 100,
            "width": 244,
            "height": 126
          },
          "swift-connectivity": {
            "x": 80,
            "y": 326,
            "width": 244,
            "height": 126
          },
          "swift-fin": {
            "x": 444,
            "y": 326,
            "width": 244,
            "height": 126
          },
          "swift-finplus": {
            "x": 808,
            "y": 326,
            "width": 244,
            "height": 126
          }
        },
        "boundaries": [
          {
            "id": "deployment-bank-boundary",
            "label": "Institution-controlled boundary",
            "nodeIds": [
              "swift-payment-core",
              "swift-interface",
              "swift-security-zone",
              "swift-connectivity"
            ],
            "kind": "ownership"
          },
          {
            "id": "deployment-network-boundary",
            "label": "External network boundary",
            "nodeIds": [
              "swift-fin",
              "swift-finplus"
            ],
            "kind": "network"
          }
        ]
      }
    ],
    "traces": [
      {
        "id": "swift-connectivity-trace",
        "label": "Release one CBPR+ pacs.008 through FINplus",
        "summary": "Follow the business message through relationship policy, local security, interface queueing, connectivity, and network evidence.",
        "viewId": "component",
        "steps": [
          {
            "id": "swift-connectivity-trace-step-1",
            "title": "Prepare the profiled message",
            "nodeId": "swift-payment-core",
            "plainExplanation": "The payment core produces a current CBPR+ pacs.008 and retains its business references.",
            "businessState": "Ready for release",
            "messageIds": [
              "pacs-008"
            ]
          },
          {
            "id": "swift-connectivity-trace-step-2",
            "title": "Check the relationship",
            "nodeId": "swift-rma",
            "interfaceId": "swift-e1",
            "plainExplanation": "The governed relationship and scope permit the exchange.",
            "businessState": "Counterparty authorised"
          },
          {
            "id": "swift-connectivity-trace-step-3",
            "title": "Queue and sign",
            "nodeId": "swift-interface",
            "interfaceId": "swift-e2",
            "plainExplanation": "The interface records the release, applies signing authority, and queues the message.",
            "businessState": "Locally released",
            "controlEvidence": "Release user, signing identity, queue identifier"
          },
          {
            "id": "swift-connectivity-trace-step-4",
            "title": "Carry the service traffic",
            "nodeId": "swift-connectivity",
            "interfaceId": "swift-e4",
            "plainExplanation": "The message leaves through the configured Swift connectivity path.",
            "businessState": "Network submitted"
          },
          {
            "id": "swift-connectivity-trace-step-5",
            "title": "FINplus accepts the message",
            "nodeId": "swift-finplus",
            "interfaceId": "swift-e6",
            "plainExplanation": "Technical acceptance is recorded; it is not yet proof of beneficiary credit or settlement.",
            "businessState": "Network accepted",
            "messageIds": [
              "pacs-008"
            ]
          },
          {
            "id": "swift-connectivity-trace-step-6",
            "title": "Correlate the acknowledgement",
            "nodeId": "swift-ops",
            "interfaceId": "swift-e7",
            "plainExplanation": "Operations can connect the network evidence to the business payment without guessing.",
            "businessState": "Technical outcome reconciled"
          },
          {
            "id": "swift-connectivity-trace-step-7",
            "title": "Update the lifecycle",
            "nodeId": "swift-payment-core",
            "interfaceId": "swift-e8",
            "plainExplanation": "The payment state advances only to the outcome proven by the acknowledgement.",
            "businessState": "Submitted to counterparty"
          }
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-iso20022-programme",
              "locator": "FINplus and ISO 20022 adoption",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift ISO 20022 programme and public document centre"
          },
          {
            "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": "swift-csp",
              "locator": "Customer Security Controls Framework",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift Customer Security Programme; detailed controls require authenticated access"
          }
        ]
      }
    ],
    "stressCases": [
      {
        "id": "swift-stress-rma",
        "label": "RMA relationship blocks release",
        "trigger": "The counterparty or message scope is not authorised by current relationship policy.",
        "divergesAfterStepId": "swift-connectivity-trace-step-1",
        "traceId": "swift-connectivity-trace",
        "affectedNodeIds": [
          "swift-rma",
          "swift-interface"
        ],
        "affectedInterfaceIds": [
          "swift-e1",
          "swift-e2"
        ],
        "lastConfirmedState": "The payment message is ready but has not been locally released.",
        "settlementState": "No network or settlement submission has occurred.",
        "fundsState": "Any internal reservation remains under the bank's unreleased-payment policy.",
        "owner": "Swift security administration and payment operations",
        "safeAction": "Keep the message on hold and correct the relationship only through the authorised RMA process.",
        "requiredEvidence": [
          "Counterparty BIC",
          "Message/service scope",
          "RMA policy version",
          "Approval record"
        ],
        "recoverySteps": [
          "Approve or reject the relationship change",
          "Re-run release controls",
          "Retain the original hold evidence"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-services",
              "locator": "Relationship Management Application",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Current Swift service documentation"
          }
        ]
      },
      {
        "id": "swift-stress-connectivity",
        "label": "Connectivity fails after local release",
        "trigger": "The message is locally released but no conclusive network acknowledgement arrives.",
        "divergesAfterStepId": "swift-connectivity-trace-step-3",
        "traceId": "swift-connectivity-trace",
        "affectedNodeIds": [
          "swift-interface",
          "swift-connectivity",
          "swift-ops"
        ],
        "affectedInterfaceIds": [
          "swift-e4",
          "swift-e7"
        ],
        "lastConfirmedState": "Locally released; network acceptance is unknown.",
        "settlementState": "Unknown; technical uncertainty is not settlement evidence.",
        "fundsState": "Do not reverse or resend solely because connectivity is down.",
        "owner": "Swift platform operations with payment operations",
        "safeAction": "Reconcile the interface queue, delivery state, and network evidence before failover or replay.",
        "requiredEvidence": [
          "Queue record",
          "Message identifier",
          "Connectivity event",
          "Network acknowledgement or enquiry"
        ],
        "recoverySteps": [
          "Fail over under the tested runbook",
          "Reconcile queued traffic",
          "Replay only under the duplicate policy"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-csp",
              "locator": "Business continuity and operational controls",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift Customer Security Programme; detailed controls require authenticated access"
          }
        ]
      },
      {
        "id": "swift-stress-coexistence",
        "label": "Unsupported MT after migration milestone",
        "trigger": "An upstream system creates an MT instruction no longer supported for the intended payment service.",
        "divergesAfterStepId": "swift-connectivity-trace-step-1",
        "traceId": "swift-connectivity-trace",
        "affectedNodeIds": [
          "swift-payment-core",
          "swift-fin",
          "swift-finplus"
        ],
        "affectedInterfaceIds": [
          "swift-e5",
          "swift-e6"
        ],
        "lastConfirmedState": "Payment intent exists; no supported network message has been released.",
        "settlementState": "No settlement submission has occurred.",
        "fundsState": "The payment remains unreleased and must not be treated as sent.",
        "owner": "Migration programme and payment product",
        "safeAction": "Use the supported native MX path or an explicitly authorised contingency service; do not invent a conversion.",
        "requiredEvidence": [
          "Message type",
          "Service",
          "Migration milestone",
          "Current Swift support statement"
        ],
        "recoverySteps": [
          "Route to the supported message path",
          "Check data-loss implications",
          "Revalidate and release once"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-mt-standards",
              "locator": "Standards releases and support treatment",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Current Swift MT standards release"
          },
          {
            "ref": {
              "sourceId": "swift-iso20022-programme",
              "locator": "ISO 20022 adoption programme",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift ISO 20022 programme and public document centre"
          }
        ]
      }
    ],
    "overlays": [
      {
        "id": "swift-overlay-fin",
        "label": "FIN / MT",
        "summary": "Highlights the MT preparation, RMA, interface, connectivity, FIN, and acknowledgement path.",
        "nodeIds": [
          "swift-payment-core",
          "swift-rma",
          "swift-interface",
          "swift-security-zone",
          "swift-connectivity",
          "swift-fin",
          "swift-ops"
        ],
        "interfaceIds": [
          "swift-e1",
          "swift-e2",
          "swift-e3",
          "swift-e4",
          "swift-e5",
          "swift-e7",
          "swift-e8"
        ],
        "relatedFlowIds": [
          "flow-swift-serial",
          "flow-swift-cover",
          "flow-mt-corporate-lifecycle"
        ],
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-mt-standards",
              "locator": "FIN and MT standards release",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Current Swift MT standards release"
          }
        ]
      },
      {
        "id": "swift-overlay-cbpr",
        "label": "FINplus / CBPR+",
        "summary": "Highlights the native ISO 20022 path and the additional usage-guideline requirement.",
        "nodeIds": [
          "swift-payment-core",
          "swift-rma",
          "swift-interface",
          "swift-security-zone",
          "swift-connectivity",
          "swift-finplus",
          "swift-ops"
        ],
        "interfaceIds": [
          "swift-e1",
          "swift-e2",
          "swift-e3",
          "swift-e4",
          "swift-e6",
          "swift-e7",
          "swift-e8"
        ],
        "relatedFlowIds": [
          "flow-cbpr-pacs008",
          "flow-cbpr-corporate-lifecycle",
          "flow-mx-cover",
          "flow-swift-gpi",
          "flow-swift-rma-routing"
        ],
        "evidence": [
          {
            "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": "swift-iso20022-programme",
              "locator": "FINplus adoption",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift ISO 20022 programme and public document centre"
          }
        ]
      }
    ],
    "decisions": [
      {
        "id": "swift-decision-interface",
        "question": "Where should message validation and signing responsibilities sit?",
        "options": [
          {
            "label": "Central Swift platform",
            "consequence": "Common controls and operations, but a larger shared dependency."
          },
          {
            "label": "Domain-owned interfaces",
            "consequence": "Closer product ownership, but more secure zones and duplicated controls."
          },
          {
            "label": "Shared secure service with domain adapters",
            "consequence": "Central identity and network control with explicit domain contracts."
          }
        ],
        "guidance": "Model the trust and recovery boundary first. Product topology follows the institution's scale and security operating model.",
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-csp",
              "locator": "Customer Security Controls Framework",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift Customer Security Programme; detailed controls require authenticated access"
          }
        ]
      },
      {
        "id": "swift-decision-migration",
        "question": "How should MT and MX coexistence be handled?",
        "options": [
          {
            "label": "Native MX at source",
            "consequence": "Preserves ISO 20022 data and removes conversion dependency."
          },
          {
            "label": "Controlled internal conversion",
            "consequence": "Supports legacy producers but creates mapping and data-loss risk."
          },
          {
            "label": "External contingency conversion",
            "consequence": "May preserve reach only where the service explicitly supports it; functionality and cost differ."
          }
        ],
        "guidance": "Treat every conversion as a governed transformation with source-to-target lineage. Check current Swift treatment for the exact message and service.",
        "evidence": [
          {
            "ref": {
              "sourceId": "swift-iso20022-programme",
              "locator": "ISO 20022 adoption programme",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Swift ISO 20022 programme and public document centre"
          },
          {
            "ref": {
              "sourceId": "pmpg-mt-mx",
              "locator": "MT/MX coexistence market practice",
              "label": "official-requirement"
            },
            "verifiedDate": "2026-07-23",
            "versionContext": "Current PMPG guidance"
          }
        ]
      }
    ],
    "targets": [
      {
        "type": "message",
        "id": "mt101"
      },
      {
        "type": "message",
        "id": "mt103"
      },
      {
        "type": "message",
        "id": "mt202"
      },
      {
        "type": "message",
        "id": "mt202cov"
      },
      {
        "type": "message",
        "id": "mt192"
      },
      {
        "type": "message",
        "id": "mt195"
      },
      {
        "type": "message",
        "id": "mt196"
      },
      {
        "type": "message",
        "id": "mt199"
      },
      {
        "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": "mapping",
        "id": "mt103-to-pacs-008"
      },
      {
        "type": "mapping",
        "id": "mt202-to-pacs-009"
      },
      {
        "type": "mapping",
        "id": "mt202cov-to-pacs-009cov"
      },
      {
        "type": "mapping",
        "id": "mt101-to-pain-001"
      },
      {
        "type": "flow",
        "id": "flow-swift-rma-routing"
      },
      {
        "type": "resource",
        "id": "swift-mt-annual-standards"
      },
      {
        "type": "resource",
        "id": "swift-cbpr-plus-usage-guidelines"
      },
      {
        "type": "resource",
        "id": "implementation-pack-cbpr-plus"
      }
    ],
    "glossaryTermIds": [
      "swift",
      "fin",
      "finplus",
      "rma",
      "bic",
      "straight-through-processing"
    ],
    "evidence": [
      {
        "ref": {
          "sourceId": "swift-iso20022-programme",
          "locator": "ISO 20022 programme",
          "label": "official-requirement"
        },
        "verifiedDate": "2026-07-23",
        "versionContext": "Swift ISO 20022 programme and public document centre"
      },
      {
        "ref": {
          "sourceId": "swift-csp",
          "locator": "Customer Security Programme",
          "label": "official-requirement"
        },
        "verifiedDate": "2026-07-23",
        "versionContext": "Swift Customer Security Programme; detailed controls require authenticated access"
      },
      {
        "ref": {
          "sourceId": "swift-mt-standards",
          "locator": "Standards releases",
          "label": "official-requirement"
        },
        "verifiedDate": "2026-07-23",
        "versionContext": "Current Swift MT standards release"
      }
    ],
    "simplifies": "This is a logical Swift architecture, not a diagram of one connectivity vendor, interface product, or Customer Security Controls Framework attestation. Exact zone boundaries, products, message support, and contingency options must be checked against the institution's deployment and current Swift documentation."
  },
  "sources": [
    {
      "id": "swift-iso20022-programme",
      "publisher": "Swift",
      "title": "ISO 20022 Standards (Swift ISO 20022 adoption programme)",
      "sourceType": "usage-guideline",
      "accessedDate": "2026-07-18",
      "url": "https://www.swift.com/standards/iso-20022/iso-20022-financial-institutions-focus-payments-instructions",
      "applicability": "Describes current CBPR+ adoption, the 22 November 2025 end of coexistence for in-scope FI-to-FI payment instructions, later migration work and the November 2026 structured-address milestone.",
      "notes": "Do not generalise the payment-instruction deadline to every FIN message. Swift publishes differentiated NAK, contingency-conversion, reporting, initiation and exceptions-and-investigations treatment."
    },
    {
      "id": "swift-csp",
      "publisher": "Swift",
      "title": "Customer Security Programme (CSP) and Customer Security Controls Framework",
      "sourceType": "official-standard",
      "accessedDate": "2026-07-13",
      "url": "https://www.swift.com/myswift/customer-security-programme-csp",
      "applicability": "Sets the mandatory and advisory security controls and the annual self-attestation that Swift users must meet to secure their local messaging environments.",
      "notes": "The full Customer Security Controls Framework and detailed control descriptions sit behind a swift.com login."
    },
    {
      "id": "swift-mt-standards",
      "publisher": "Swift",
      "title": "Swift Standards MT (annual standards releases)",
      "sourceType": "official-standard",
      "accessedDate": "2026-07-18",
      "url": "https://www.swift.com/standards/standards-releases",
      "applicability": "Defines the MT message standards (including MT101, MT103, MT202/202 COV, and the MT9xx statement messages) exchanged over the Swift FIN network, maintained through annual standards releases.",
      "notes": "Full field-level specifications live in the Swift Knowledge Centre User Handbook behind a swift.com login. Coexistence for in-scope FI-to-FI payment instructions ended on 22 November 2025, but treatment differs by MT: some instructions are NAKed and selected messages can enter temporary, chargeable contingency conversion. Reporting, initiation, investigations and correspondence follow separate roadmaps."
    },
    {
      "id": "swift-services",
      "publisher": "Swift",
      "title": "Swift products and services",
      "sourceType": "official-standard",
      "accessedDate": "2026-07-13",
      "url": "https://www.swift.com/products",
      "applicability": "Describes Swift's messaging, connectivity, global payments innovation, platform, and compliance services offered to member institutions.",
      "notes": "Used for the public overview of product details documented behind swift.com."
    },
    {
      "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": "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": "pmpg-mt-mx",
      "publisher": "Payments Market Practice Group",
      "title": "Payments Market Practice Group market practice documents",
      "sourceType": "market-practice",
      "accessedDate": "2026-07-12",
      "url": "https://www.swift.com/standards/market-practice/payments-market-practice-group",
      "applicability": "Global market practice for payment messaging, including guidance on structured party data, cover payments, and the coexistence of MT and ISO 20022 formats.",
      "notes": "The PMPG publishes individual papers via the Swift website; its recommendations are market practice, not binding scheme rules, and adoption varies between institutions."
    }
  ],
  "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 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 route selection — RMA, SSI and accounts",
      "href": "/explore/swift-rma-routing",
      "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": "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.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",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Standards Release (MSR)",
      "href": "/glossary#standards-release",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Suspense account",
      "href": "/glossary#suspense-account",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "SWIFT",
      "href": "/glossary#swift",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Swift Customer Security Programme (CSP)",
      "href": "/glossary#swift-csp",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "SWIFT Go",
      "href": "/glossary#swift-go",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "SWIFT gpi",
      "href": "/glossary#gpi",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "SWIFTNet",
      "href": "/glossary#swiftnet",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "SwiftNet FileAct",
      "href": "/glossary#fileact",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "SwiftNet InterAct",
      "href": "/glossary#interact",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "SWIFTRef",
      "href": "/glossary#swiftref",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "System message (SWIFT Category 0)",
      "href": "/glossary#system-message",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Transaction Manager",
      "href": "/glossary#transaction-manager",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "UETR",
      "href": "/glossary#uetr",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "UN/EDIFACT",
      "href": "/glossary#edifact",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Universal Confirmation",
      "href": "/glossary#universal-confirmation",
      "coverage": "derived"
    },
    {
      "type": "glossary",
      "label": "Vostro account",
      "href": "/glossary#vostro-account",
      "coverage": "derived"
    },
    {
      "type": "mapping",
      "label": "MT101 → pain.001",
      "href": "/messages/mappings/mt101-to-pain-001",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT103 /REJT/ convention → pacs.002",
      "href": "/messages/mappings/mt103-reject-to-pacs-002",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT103 /RETN/ convention → pacs.004",
      "href": "/messages/mappings/mt103-return-to-pacs-004",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT103 → pacs.008",
      "href": "/messages/mappings/mt103-to-pacs-008",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT192 → camt.056",
      "href": "/messages/mappings/mt192-to-camt-056",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT195 → camt.110",
      "href": "/messages/mappings/mt195-to-camt-110",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT196 → camt.029",
      "href": "/messages/mappings/mt196-to-camt-029",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT196 → camt.111",
      "href": "/messages/mappings/mt196-to-camt-111",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT199 answer → camt.111",
      "href": "/messages/mappings/mt199-to-camt-111",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT199 query → camt.110",
      "href": "/messages/mappings/mt199-to-camt-110",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT202 → pacs.009",
      "href": "/messages/mappings/mt202-to-pacs-009",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT202 COV → pacs.009 COV",
      "href": "/messages/mappings/mt202cov-to-pacs-009cov",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT292 → camt.056",
      "href": "/messages/mappings/mt292-to-camt-056",
      "coverage": "derived"
    },
    {
      "type": "mapping",
      "label": "MT295 → camt.110",
      "href": "/messages/mappings/mt295-to-camt-110",
      "coverage": "derived"
    },
    {
      "type": "mapping",
      "label": "MT296 cancellation answer → camt.029",
      "href": "/messages/mappings/mt296-to-camt-029",
      "coverage": "derived"
    },
    {
      "type": "mapping",
      "label": "MT296 query answer → camt.111",
      "href": "/messages/mappings/mt296-to-camt-111",
      "coverage": "derived"
    },
    {
      "type": "mapping",
      "label": "MT299 answer → camt.111",
      "href": "/messages/mappings/mt299-to-camt-111",
      "coverage": "derived"
    },
    {
      "type": "mapping",
      "label": "MT299 query → camt.110",
      "href": "/messages/mappings/mt299-to-camt-110",
      "coverage": "derived"
    },
    {
      "type": "mapping",
      "label": "MT900 → camt.054",
      "href": "/messages/mappings/mt900-to-camt-054",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT910 → camt.054",
      "href": "/messages/mappings/mt910-to-camt-054",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT940 → camt.053",
      "href": "/messages/mappings/mt940-to-camt-053",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT941 → camt.052",
      "href": "/messages/mappings/mt941-to-camt-052",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT942 → camt.052",
      "href": "/messages/mappings/mt942-to-camt-052",
      "coverage": "direct"
    },
    {
      "type": "mapping",
      "label": "MT950 → camt.053",
      "href": "/messages/mappings/mt950-to-camt-053",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "camt.029 — camt.029 — Resolution of Investigation",
      "href": "/messages/camt-029",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "camt.056 — camt.056 — FI to FI Payment Cancellation Request",
      "href": "/messages/camt-056",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT101 — MT101 — Request for Transfer",
      "href": "/messages/mt101",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT103 — MT103 — Single Customer Credit Transfer",
      "href": "/messages/mt103",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT192 — MT192 — Request for Cancellation",
      "href": "/messages/mt192",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT195 — MT195 — Queries",
      "href": "/messages/mt195",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT196 — MT196 — Answers",
      "href": "/messages/mt196",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT199 — MT199 — Free Format Message",
      "href": "/messages/mt199",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT202 — MT202 — General Financial Institution Transfer",
      "href": "/messages/mt202",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT202 COV — MT202 COV — General Financial Institution Transfer (Cover)",
      "href": "/messages/mt202-cov",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT292 — MT292 — Request for Cancellation",
      "href": "/messages/mt292",
      "coverage": "derived"
    },
    {
      "type": "message",
      "label": "MT295 — MT295 — Queries",
      "href": "/messages/mt295",
      "coverage": "derived"
    },
    {
      "type": "message",
      "label": "MT296 — MT296 — Answers",
      "href": "/messages/mt296",
      "coverage": "derived"
    },
    {
      "type": "message",
      "label": "MT299 — MT299 — Free Format Message",
      "href": "/messages/mt299",
      "coverage": "derived"
    },
    {
      "type": "message",
      "label": "MT900 — MT900 — Confirmation of Debit",
      "href": "/messages/mt900",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT910 — MT910 — Confirmation of Credit",
      "href": "/messages/mt910",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT940 — MT940 — Customer Statement Message",
      "href": "/messages/mt940",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT941 — MT941 — Balance Report",
      "href": "/messages/mt941",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT942 — MT942 — Interim Transaction Report",
      "href": "/messages/mt942",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "MT950 — MT950 — Statement Message",
      "href": "/messages/mt950",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "pacs.002 — pacs.002 — FI to FI Payment Status Report",
      "href": "/messages/pacs-002",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "pacs.004 — pacs.004 — Payment Return",
      "href": "/messages/pacs-004",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "pacs.008 — pacs.008 — FI to FI Customer Credit Transfer",
      "href": "/messages/pacs-008",
      "coverage": "direct"
    },
    {
      "type": "message",
      "label": "pacs.009 — pacs.009 — Financial Institution Credit Transfer",
      "href": "/messages/pacs-009",
      "coverage": "direct"
    },
    {
      "type": "resource",
      "label": "camt.029 field matrix",
      "href": "/downloads/assets/field-matrix-camt-029",
      "coverage": "derived"
    },
    {
      "type": "resource",
      "label": "camt.029 resolution of investigation — raw XML",
      "href": "/downloads/samples/camt-029",
      "coverage": "derived"
    },
    {
      "type": "resource",
      "label": "camt.052 field matrix",
      "href": "/downloads/assets/field-matrix-camt-052",
      "coverage": "derived"
    },
    {
      "type": "resource",
      "label": "camt.053 field matrix",
      "href": "/downloads/assets/field-matrix-camt-053",
      "coverage": "derived"
    },
    {
      "type": "resource",
      "label": "camt.054 field matrix",
      "href": "/downloads/assets/field-matrix-camt-054",
      "coverage": "derived"
    },
    {
      "type": "resource",
      "label": "camt.056 field matrix",
      "href": "/downloads/assets/field-matrix-camt-056",
      "coverage": "derived"
    },
    {
      "type": "resource",
      "label": "camt.056 payment cancellation request — raw XML",
      "href": "/downloads/samples/camt-056",
      "coverage": "derived"
    },
    {
      "type": "resource",
      "label": "camt.110 field matrix",
      "href": "/downloads/assets/field-matrix-camt-110",
      "coverage": "derived"
    },
    {
      "type": "resource",
      "label": "camt.111 field matrix",
      "href": "/downloads/assets/field-matrix-camt-111",
      "coverage": "derived"
    },
    {
      "type": "resource",
      "label": "CBPR+ implementation pack",
      "href": "/downloads/profile-packs/cbpr-plus",
      "coverage": "direct"
    },
    {
      "type": "resource",
      "label": "CBPR+ usage guidelines",
      "href": "/implementation-resources",
      "coverage": "direct"
    },
    {
      "type": "resource",
      "label": "CHAPS and RTGS ISO 20022 handbook and schema access",
      "href": "/implementation-resources",
      "coverage": "direct"
    },
    {
      "type": "resource",
      "label": "CHAPS RTGS implementation pack",
      "href": "/downloads/profile-packs/chaps",
      "coverage": "direct"
    },
    {
      "type": "resource",
      "label": "CHAPS RTGS implementation pack acceptance criteria",
      "href": "/downloads/assets/chaps-acceptance-criteria",
      "coverage": "derived"
    },
    {
      "type": "resource",
      "label": "CHAPS RTGS implementation pack BA checklist",
      "href": "/downloads/assets/chaps-ba-checklist",
      "coverage": "derived"
    },
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    {
      "type": "sample",
      "label": "MT202 COV cover payment",
      "href": "/message-samples/mt202cov",
      "coverage": "derived"
    },
    {
      "type": "sample",
      "label": "MT900 debit confirmation",
      "href": "/message-samples/mt900",
      "coverage": "derived"
    },
    {
      "type": "sample",
      "label": "MT910 credit confirmation",
      "href": "/message-samples/mt910",
      "coverage": "derived"
    },
    {
      "type": "sample",
      "label": "MT940 customer statement",
      "href": "/message-samples/mt940",
      "coverage": "derived"
    },
    {
      "type": "sample",
      "label": "MT941 balance report",
      "href": "/message-samples/mt941",
      "coverage": "derived"
    },
    {
      "type": "sample",
      "label": "MT942 interim transaction report",
      "href": "/message-samples/mt942",
      "coverage": "derived"
    },
    {
      "type": "sample",
      "label": "MT950 statement message",
      "href": "/message-samples/mt950",
      "coverage": "derived"
    },
    {
      "type": "sample",
      "label": "pacs.002 payment status",
      "href": "/message-samples/pacs-002",
      "coverage": "derived"
    },
    {
      "type": "sample",
      "label": "pacs.002 payment status — rejection",
      "href": "/message-samples/pacs-002-rjct",
      "coverage": "derived"
    },
    {
      "type": "sample",
      "label": "pacs.004 payment return",
      "href": "/message-samples/pacs-004",
      "coverage": "derived"
    },
    {
      "type": "sample",
      "label": "pacs.008 FI-to-FI credit transfer",
      "href": "/message-samples/pacs-008",
      "coverage": "derived"
    },
    {
      "type": "sample",
      "label": "pacs.009 COV financial institution transfer",
      "href": "/message-samples/pacs-009",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "Accounting entries and ledgers",
      "href": "/learn/operations/accounting-entries-and-ledgers",
      "coverage": "direct"
    },
    {
      "type": "topic",
      "label": "CBPR+: ISO 20022 for cross-border payments",
      "href": "/learn/iso-20022/cbpr-plus-cross-border",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "Charges and foreign exchange",
      "href": "/learn/foundations/charges-and-fx",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "Correspondent banking, nostro & vostro",
      "href": "/learn/foundations/correspondent-banking-nostro-vostro",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "Exceptions and investigations",
      "href": "/learn/operations/exceptions-and-investigations",
      "coverage": "direct"
    },
    {
      "type": "topic",
      "label": "How a payment declares what it is",
      "href": "/learn/iso-20022/payment-type-and-codes",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "MT message structure",
      "href": "/learn/swift-mt/mt-message-structure",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "MT-to-MX translation and truncation",
      "href": "/learn/iso-20022/mt-mx-translation-and-truncation",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "MT101: the request for transfer",
      "href": "/learn/swift-mt/mt101-request-for-transfer",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "MT103: the customer credit transfer",
      "href": "/learn/swift-mt/mt103-customer-credit-transfer",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "MT202 and MT202 COV",
      "href": "/learn/swift-mt/mt202-and-mt202cov",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "MT9xx: confirmations and statements",
      "href": "/learn/swift-mt/mt9xx-statements-and-confirmations",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "Nostro reconciliation",
      "href": "/learn/operations/nostro-reconciliation",
      "coverage": "direct"
    },
    {
      "type": "topic",
      "label": "R-transactions: reject, return, recall",
      "href": "/learn/sepa/r-transactions-reject-return-recall",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "Screening payment messages",
      "href": "/screening/execution/screening-payment-messages",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "SCT Inst: instant payments",
      "href": "/learn/sepa/sct-inst-instant-payments",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "Serial versus cover routing",
      "href": "/learn/swift-mt/serial-vs-cover-routing",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "SWIFT connectivity, messaging services, and the CSP",
      "href": "/learn/swift-mt/swift-connectivity-and-security",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "SWIFT gpi and payment tracking",
      "href": "/learn/swift-mt/swift-gpi-and-tracking",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "SWIFTRef and reference data directories",
      "href": "/learn/swift-mt/swiftref-and-directories",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "The annual Standards Release (MSR)",
      "href": "/learn/swift-mt/the-annual-standards-release",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "The camt family: cash management & investigations",
      "href": "/learn/iso-20022/camt-family-cash-management",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "The ISO 20022 message model",
      "href": "/learn/iso-20022/iso-20022-message-model-and-xml",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "The pacs family: interbank messages",
      "href": "/learn/iso-20022/pacs-family-interbank-messages",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "The pain family: payment initiation",
      "href": "/learn/iso-20022/pain-family-payment-initiation",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "The SCT lifecycle",
      "href": "/learn/sepa/sct-lifecycle",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "The SWIFT network and BICs",
      "href": "/learn/swift-mt/swift-network-and-bic",
      "coverage": "derived"
    },
    {
      "type": "topic",
      "label": "The Swift services portfolio and platform",
      "href": "/learn/swift-mt/swift-services-and-platform",
      "coverage": "derived"
    }
  ]
}