{
 "corpus": "orca-changes",
 "format_version": "1",
 "built": "2026-09-26",
 "snapshot": "2026-09-20",
 "commit": "019924ac64ee0aa0742b8f02a04488a83633385d",
 "license": {
  "name": "Creative Commons Attribution 4.0 International (CC BY 4.0)",
  "spdx": "CC-BY-4.0",
  "url": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "Data from Orca (https://qstve.com/orca/), CC BY 4.0. Snapshot 2026-09-20.",
  "notice": "Reference material about published payment rules. Not legal, compliance or financial advice. Orca cites rulebooks by section and edition and does not reproduce them; rights in the cited documents stay with their authors."
 },
 "history": {
  "available": true,
  "unit": "commit",
  "branch": "main",
  "shallow": false,
  "truncated": false,
  "scanned": 20,
  "published": 20,
  "reformat_only": 0
 },
 "method": {
  "derived_from": "the repository's own git history, read at build time with git log, git diff-tree and git cat-file",
  "unit": "one commit on this branch's first-parent line that touched corpus/. Git holds no record of what was published, so a commit is the finest honest unit. A merge appears as one change and says so.",
  "substantive_test": "two versions of a file are compared as parsed JSON at named field paths, never as text, with every string's leading, trailing and repeated whitespace collapsed and object key order ignored. Indentation, key order, a trailing newline, a re-sorted object and a whitespace-only edit therefore produce nothing. A file that changed and produced no item is counted under files_reformatted and is never presented as a rule change.",
  "kinds": [
   "added",
   "removed",
   "superseded",
   "deadline",
   "action",
   "meaning",
   "demoted",
   "promoted",
   "sources",
   "stale",
   "gap",
   "other"
  ],
  "unknown_fields": "a field path the build does not recognise is reported under \"other\", so a field added to the schema later cannot go unwatched.",
  "stale": "a version reads stale under the same rule the corpus applies, secondary sources only and the newest check more than 24 months old, measured against the day of its own commit. A record that crosses that line while nothing touched it is not a commit and is not here; the live figure is on the dashboard. A Core corroboration names a RuleSource uid instead of carrying a class, so such a record is not tested for staleness.",
  "not_counted": "a rail's watch block (when someone last looked at a source, not what a rule says), meta.brief, and the files outside corpus/<rail>/ such as the conflict register and the ISO 20022 crosswalk.",
  "limits": "the last 20 substantive changes, at most 24 items each, each value cut to 160 characters. The full history is in the repository."
 },
 "totals": {
  "added": 228,
  "removed": 0,
  "superseded": 0,
  "deadline": 1,
  "action": 1,
  "meaning": 73,
  "demoted": 1,
  "promoted": 129,
  "sources": 229,
  "stale": 0,
  "gap": 5,
  "other": 73
 },
 "changes": [
  {
   "commit": "81d85a39d4fee9bcbe018fa3d1de5b49de60b867",
   "date": "2026-09-26",
   "at": "2026-09-26T05:42:23-04:00",
   "merge": false,
   "subject": "rtp-return-request:UAPA: type effective_to 2026-09-30, IDS reporting widens UAPA (interpretation 1.d.ii); record scoped to the meaning in force until then",
   "rails": [
    "rtp-return-request"
   ],
   "files_changed": 1,
   "files_reformatted": 0,
   "counts": {
    "deadline": 1,
    "action": 1,
    "meaning": 2,
    "sources": 1,
    "other": 2
   },
   "items": [
    {
     "kind": "deadline",
     "uid": "rtp-return-request:UAPA",
     "rail": "rtp-return-request",
     "name": "Fraudulently induced payment",
     "file": "corpus/rtp-return-request/reason-codes/UAPA.json",
     "field": "facts.return_windows[0].deadline",
     "from": "until 2027-03-01 no stated deadline; from 2027-03-01, no later than 2 business days after the fraud determination (Fraud Reporting and Acting on Alerts inter...",
     "to": "none stated while this record applies; the interpretation's two business day limit (section 1.c) starts 2027-03-01, after this record's effective_to"
    },
    {
     "kind": "action",
     "uid": "rtp-return-request:UAPA",
     "rail": "rtp-return-request",
     "name": "Fraudulently induced payment",
     "file": "corpus/rtp-return-request/reason-codes/UAPA.json",
     "field": "actions",
     "from": "[\"Sending participant: send a Request for Return of Funds (camt.056) with UAPA as the fraud report required by Operating Rule II.G.2; email to TCH is not a s...",
     "to": "[\"Sending participant: send a Request for Return of Funds (camt.056) with UAPA as the fraud report required by Operating Rule II.G.2; email to TCH is not a s..."
    },
    {
     "kind": "meaning",
     "uid": "rtp-return-request:UAPA",
     "rail": "rtp-return-request",
     "name": "Fraudulently induced payment",
     "file": "corpus/rtp-return-request/reason-codes/UAPA.json",
     "field": "summary",
     "from": "The sending participant asks for money back, and reports fraud to TCH, because it has determined that the sender authorized the RTP payment but was tricked i...",
     "to": "The sending participant asks for money back, and reports fraud to TCH, because it has determined that the sender authorized an RTP-native payment but was dec..."
    },
    {
     "kind": "meaning",
     "uid": "rtp-return-request:UAPA",
     "rail": "rtp-return-request",
     "name": "Fraudulently induced payment",
     "file": "corpus/rtp-return-request/reason-codes/UAPA.json",
     "field": "triggers",
     "from": "[\"The sending participant determines the sender was deceived into sending an RTP-native payment, for example by someone impersonating a trusted party\",\"A Sen...",
     "to": "[\"The sending participant determines the sender was deceived into sending an RTP-native payment, for example by someone impersonating a trusted party\"]"
    },
    {
     "kind": "sources",
     "uid": "rtp-return-request:UAPA",
     "rail": "rtp-return-request",
     "name": "Fraudulently induced payment",
     "file": "corpus/rtp-return-request/reason-codes/UAPA.json",
     "field": "basis.sources",
     "from": "TCH RTP Rules Interpretation, Fraud Reporting and Acting on Alerts, RTP Operating Rule II.G, dated 2026-09-14 (marked Public), sections 1.a, 1.b (category ch...",
     "to": "TCH RTP Rules Interpretation, Fraud Reporting and Acting on Alerts, RTP Operating Rule II.G, dated 2026-09-14 (marked Public), sections 1.a, 1.b (category ch..."
    },
    {
     "kind": "other",
     "uid": "rtp-return-request:UAPA",
     "rail": "rtp-return-request",
     "name": "Fraudulently induced payment",
     "file": "corpus/rtp-return-request/reason-codes/UAPA.json",
     "field": "currency.effective_note",
     "from": "UAPA fraud reporting required from 2026-03-31; two business day reporting deadline in force 2027-03-01; IDS reporting 2026-09-30; OBO reporting 2027-03-01. F...",
     "to": "UAPA fraud reporting required from 2026-03-31 (section 1.b). This record's statement stops applying 2026-09-30: from that date, under section 1.d.ii of the r..."
    },
    {
     "kind": "other",
     "uid": "rtp-return-request:UAPA",
     "rail": "rtp-return-request",
     "name": "Fraudulently induced payment",
     "file": "corpus/rtp-return-request/reason-codes/UAPA.json",
     "field": "currency.effective_to",
     "to": "2026-09-30"
    }
   ],
   "items_omitted": 0
  },
  {
   "commit": "59204ebd76a068148dc9af044db9dc8a826053ef",
   "date": "2026-09-26",
   "at": "2026-09-26T05:31:08-04:00",
   "merge": true,
   "subject": "Merge branch 'worktree-agent-aa6d5ba3b31e6344c'",
   "rails": [
    "us-ach"
   ],
   "files_changed": 1,
   "files_reformatted": 0,
   "counts": {
    "added": 1
   },
   "items": [
    {
     "kind": "added",
     "uid": "us-ach:cal.federal-reserve-banks",
     "rail": "us-ach",
     "name": "Federal Reserve Banks banking days",
     "file": "corpus/us-ach/core/cal.federal-reserve-banks.json",
     "detail": "Calendar, draft"
    }
   ],
   "items_omitted": 0
  },
  {
   "commit": "fd5ef9fa3c6ad41d99b2038803eae827411f1083",
   "date": "2026-09-24",
   "at": "2026-09-24T07:35:40-04:00",
   "merge": true,
   "subject": "Merge branch 'worktree-agent-aa754c435158d911c'",
   "rails": [
    "pix"
   ],
   "files_changed": 5,
   "files_reformatted": 0,
   "counts": {
    "promoted": 5,
    "sources": 5
   },
   "items": [
    {
     "kind": "promoted",
     "uid": "pix:codeset.pain012-authorisation-rejection-reasons-from-2026",
     "rail": "pix",
     "name": "Pix Automatico authorisation rejection reasons (pain.012), catalog 5.13.1",
     "file": "corpus/pix/core/codeset.pain012-authorisation-rejection-reasons-from-2026.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "pix:codeset.pain014-instruction-errors-from-2026",
     "rail": "pix",
     "name": "Pix Automatico instruction errors (pain.014), catalog 5.13.1",
     "file": "corpus/pix/core/codeset.pain014-instruction-errors-from-2026.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "pix:rule.consumer-law-the-limit-panel-must-be-where-the-customer-from-2026",
     "rail": "pix",
     "name": "The limit panel must be where the customer already is, from 2026-10-01",
     "file": "corpus/pix/core/rule.consumer-law-the-limit-panel-must-be-where-the-customer-from-2026.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "pix:rule.limits-contactless-and-initiation-without-redirection-from-2026",
     "rail": "pix",
     "name": "Contactless and initiation without redirection, from 2026-10-01",
     "file": "corpus/pix/core/rule.limits-contactless-and-initiation-without-redirection-from-2026.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "pix:rule.limits-the-user-can-drive-the-limit-in-both-directions-from-2026",
     "rail": "pix",
     "name": "The user can drive the limit in both directions, from 2026-10-01",
     "file": "corpus/pix/core/rule.limits-the-user-can-drive-the-limit-in-both-directions-from-2026.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "sources",
     "uid": "pix:codeset.pain012-authorisation-rejection-reasons-from-2026",
     "rail": "pix",
     "name": "Pix Automatico authorisation rejection reasons (pain.012), catalog 5.13.1",
     "file": "corpus/pix/core/codeset.pain012-authorisation-rejection-reasons-from-2026.json",
     "change": "added",
     "field": "currency.corroboration",
     "to": "class from its RuleSource: pix:src.bcb-definicoes-detalhadas-mensagens-spi"
    },
    {
     "kind": "sources",
     "uid": "pix:codeset.pain014-instruction-errors-from-2026",
     "rail": "pix",
     "name": "Pix Automatico instruction errors (pain.014), catalog 5.13.1",
     "file": "corpus/pix/core/codeset.pain014-instruction-errors-from-2026.json",
     "change": "added",
     "field": "currency.corroboration",
     "to": "class from its RuleSource: pix:src.bcb-definicoes-detalhadas-mensagens-spi"
    },
    {
     "kind": "sources",
     "uid": "pix:rule.consumer-law-the-limit-panel-must-be-where-the-customer-from-2026",
     "rail": "pix",
     "name": "The limit panel must be where the customer already is, from 2026-10-01",
     "file": "corpus/pix/core/rule.consumer-law-the-limit-panel-must-be-where-the-customer-from-2026.json",
     "change": "added",
     "field": "currency.corroboration",
     "to": "class from its RuleSource: pix:src.bcb-in-746-2026-limites"
    },
    {
     "kind": "sources",
     "uid": "pix:rule.limits-contactless-and-initiation-without-redirection-from-2026",
     "rail": "pix",
     "name": "Contactless and initiation without redirection, from 2026-10-01",
     "file": "corpus/pix/core/rule.limits-contactless-and-initiation-without-redirection-from-2026.json",
     "change": "added",
     "field": "currency.corroboration",
     "to": "class from its RuleSource: pix:src.bcb-in-746-2026-limites"
    },
    {
     "kind": "sources",
     "uid": "pix:rule.limits-the-user-can-drive-the-limit-in-both-directions-from-2026",
     "rail": "pix",
     "name": "The user can drive the limit in both directions, from 2026-10-01",
     "file": "corpus/pix/core/rule.limits-the-user-can-drive-the-limit-in-both-directions-from-2026.json",
     "change": "added",
     "field": "currency.corroboration",
     "to": "class from its RuleSource: pix:src.bcb-in-746-2026-limites"
    }
   ],
   "items_omitted": 0
  },
  {
   "commit": "387572878d7af8c7615048bfd312050b43061151",
   "date": "2026-09-24",
   "at": "2026-09-24T07:28:06-04:00",
   "merge": true,
   "subject": "Merge branch 'worktree-agent-af25fbabce1c7db26'",
   "rails": [
    "pix"
   ],
   "files_changed": 11,
   "files_reformatted": 0,
   "counts": {
    "added": 6,
    "other": 10
   },
   "items": [
    {
     "kind": "added",
     "uid": "pix:codeset.pain012-authorisation-rejection-reasons-from-2026",
     "rail": "pix",
     "name": "Pix Automatico authorisation rejection reasons (pain.012), catalog 5.13.1",
     "file": "corpus/pix/core/codeset.pain012-authorisation-rejection-reasons-from-2026.json",
     "detail": "CodeSet, draft"
    },
    {
     "kind": "added",
     "uid": "pix:codeset.pain014-instruction-errors-from-2026",
     "rail": "pix",
     "name": "Pix Automatico instruction errors (pain.014), catalog 5.13.1",
     "file": "corpus/pix/core/codeset.pain014-instruction-errors-from-2026.json",
     "detail": "CodeSet, draft"
    },
    {
     "kind": "added",
     "uid": "pix:rule.consumer-law-the-limit-panel-must-be-where-the-customer-from-2026",
     "rail": "pix",
     "name": "The limit panel must be where the customer already is, from 2026-10-01",
     "file": "corpus/pix/core/rule.consumer-law-the-limit-panel-must-be-where-the-customer-from-2026.json",
     "detail": "Rule, draft"
    },
    {
     "kind": "added",
     "uid": "pix:rule.limits-contactless-and-initiation-without-redirection-from-2026",
     "rail": "pix",
     "name": "Contactless and initiation without redirection, from 2026-10-01",
     "file": "corpus/pix/core/rule.limits-contactless-and-initiation-without-redirection-from-2026.json",
     "detail": "Rule, draft"
    },
    {
     "kind": "added",
     "uid": "pix:rule.limits-the-user-can-drive-the-limit-in-both-directions-from-2026",
     "rail": "pix",
     "name": "The user can drive the limit in both directions, from 2026-10-01",
     "file": "corpus/pix/core/rule.limits-the-user-can-drive-the-limit-in-both-directions-from-2026.json",
     "detail": "Rule, draft"
    },
    {
     "kind": "added",
     "uid": "pix:src.bcb-in-746-2026-limites",
     "rail": "pix",
     "name": "Instrucao Normativa BCB n. 746/2026, amending the Pix value limits",
     "file": "corpus/pix/core/src.bcb-in-746-2026-limites.json",
     "detail": "RuleSource, draft"
    },
    {
     "kind": "other",
     "uid": "pix:codeset.pain012-authorisation-rejection-reasons",
     "rail": "pix",
     "name": "Pix Automatico authorisation rejection reasons (pain.012)",
     "file": "corpus/pix/core/codeset.pain012-authorisation-rejection-reasons.json",
     "field": "currency.effective_note",
     "from": "Drafted 2026-09-22 by the Pix Automatico and Cobranca drafting session from the documents named in basis, each opened and read that day. Values are the domai...",
     "to": "Drafted 2026-09-22 by the Pix Automatico and Cobranca drafting session from the documents named in basis, each opened and read that day. Values are the domai..."
    },
    {
     "kind": "other",
     "uid": "pix:codeset.pain012-authorisation-rejection-reasons",
     "rail": "pix",
     "name": "Pix Automatico authorisation rejection reasons (pain.012)",
     "file": "corpus/pix/core/codeset.pain012-authorisation-rejection-reasons.json",
     "field": "currency.effective_to",
     "to": "2026-10-25"
    },
    {
     "kind": "other",
     "uid": "pix:codeset.pain014-instruction-errors",
     "rail": "pix",
     "name": "Pix Automatico instruction errors (pain.014)",
     "file": "corpus/pix/core/codeset.pain014-instruction-errors.json",
     "field": "currency.effective_note",
     "from": "Drafted 2026-09-22 by the Pix Automatico and Cobranca drafting session from the documents named in basis, each opened and read that day. Values are the domai...",
     "to": "Drafted 2026-09-22 by the Pix Automatico and Cobranca drafting session from the documents named in basis, each opened and read that day. Values are the domai..."
    },
    {
     "kind": "other",
     "uid": "pix:codeset.pain014-instruction-errors",
     "rail": "pix",
     "name": "Pix Automatico instruction errors (pain.014)",
     "file": "corpus/pix/core/codeset.pain014-instruction-errors.json",
     "field": "currency.effective_to",
     "to": "2026-10-25"
    },
    {
     "kind": "other",
     "uid": "pix:rule.consumer-law-the-limit-panel-must-be-where-the-customer",
     "rail": "pix",
     "name": "The limit panel must be where the customer already is",
     "file": "corpus/pix/core/rule.consumer-law-the-limit-panel-must-be-where-the-customer.json",
     "field": "currency.effective_note",
     "from": "Split out of pix:consumer-law by the 2026-09 Orca Core migration; no rule change identified. effective_since is the fact's.",
     "to": "Split out of pix:consumer-law by the 2026-09 Orca Core migration; no rule change identified. effective_since is the fact's. Stops applying 2026-10-01, when I..."
    },
    {
     "kind": "other",
     "uid": "pix:rule.consumer-law-the-limit-panel-must-be-where-the-customer",
     "rail": "pix",
     "name": "The limit panel must be where the customer already is",
     "file": "corpus/pix/core/rule.consumer-law-the-limit-panel-must-be-where-the-customer.json",
     "field": "currency.effective_to",
     "to": "2026-10-01"
    },
    {
     "kind": "other",
     "uid": "pix:rule.limits-contactless-and-initiation-without-redirection",
     "rail": "pix",
     "name": "Contactless and initiation without redirection",
     "file": "corpus/pix/core/rule.limits-contactless-and-initiation-without-redirection.json",
     "field": "currency.effective_note",
     "from": "Split out of pix:limits by the 2026-09 Orca Core migration; no rule change identified. The line itself dates this from 2025-12-01.",
     "to": "Split out of pix:limits by the 2026-09 Orca Core migration; no rule change identified. The line itself dates this from 2025-12-01. Stops applying 2026-10-01,..."
    },
    {
     "kind": "other",
     "uid": "pix:rule.limits-contactless-and-initiation-without-redirection",
     "rail": "pix",
     "name": "Contactless and initiation without redirection",
     "file": "corpus/pix/core/rule.limits-contactless-and-initiation-without-redirection.json",
     "field": "currency.effective_to",
     "to": "2026-10-01"
    },
    {
     "kind": "other",
     "uid": "pix:rule.limits-the-user-can-drive-the-limit-in-both-directions",
     "rail": "pix",
     "name": "The user can drive the limit in both directions",
     "file": "corpus/pix/core/rule.limits-the-user-can-drive-the-limit-in-both-directions.json",
     "field": "currency.effective_note",
     "from": "Split out of pix:limits by the 2026-09 Orca Core migration; no rule change identified. effective_since is the fact's.",
     "to": "Split out of pix:limits by the 2026-09 Orca Core migration; no rule change identified. effective_since is the fact's. Stops applying 2026-10-01, when IN BCB ..."
    },
    {
     "kind": "other",
     "uid": "pix:rule.limits-the-user-can-drive-the-limit-in-both-directions",
     "rail": "pix",
     "name": "The user can drive the limit in both directions",
     "file": "corpus/pix/core/rule.limits-the-user-can-drive-the-limit-in-both-directions.json",
     "field": "currency.effective_to",
     "to": "2026-10-01"
    }
   ],
   "items_omitted": 0
  },
  {
   "commit": "b4bc9a14df776f361524ce3c129bb0723868b5ea",
   "date": "2026-09-24",
   "at": "2026-09-24T05:37:04-04:00",
   "merge": true,
   "subject": "Merge branch 'worktree-agent-a9461c0602fc2f142'",
   "rails": [
    "sepa-sct-inst"
   ],
   "files_changed": 4,
   "files_reformatted": 0,
   "counts": {
    "meaning": 12,
    "promoted": 1,
    "sources": 20,
    "gap": 3,
    "other": 10
   },
   "items": [
    {
     "kind": "meaning",
     "uid": "sepa-sct-inst:consumer-law",
     "rail": "sepa-sct-inst",
     "name": "What consumer law applies, and what does it give a consumer that the rules do not?",
     "file": "corpus/sepa-sct-inst/profile/consumer-law.json",
     "field": "applies_to",
     "from": "a consumer payer or payee on a SEPA Instant Credit Transfer whose account is held in an EEA Member State, with the national transposition of the Payment Serv...",
     "to": "a consumer payer or payee on a SEPA Instant Credit Transfer whose account is held in an EEA Member State, with the national transposition of the Payment Serv..."
    },
    {
     "kind": "meaning",
     "uid": "sepa-sct-inst:consumer-law",
     "rail": "sepa-sct-inst",
     "name": "What consumer law applies, and what does it give a consumer that the rules do not?",
     "file": "corpus/sepa-sct-inst/profile/consumer-law.json",
     "field": "details",
     "from": "[{\"label\":\"Which instruments the rulebook names\",\"value\":\"Participation is conditional on complying with the SEPA Regulation, the Regulation on information a...",
     "to": "[{\"label\":\"Which instruments the rulebook names\",\"value\":\"Participation is conditional on complying with the SEPA Regulation, the Regulation on information a..."
    },
    {
     "kind": "meaning",
     "uid": "sepa-sct-inst:consumer-law",
     "rail": "sepa-sct-inst",
     "name": "What consumer law applies, and what does it give a consumer that the rules do not?",
     "file": "corpus/sepa-sct-inst/profile/consumer-law.json",
     "field": "exceptions",
     "from": "[\"Business customers can opt out of the payee check for bulk submissions, and can opt back in whenever they like. Their bank has to explain the liability con...",
     "to": "[\"Business customers sending payment orders as a package may switch the payee check off, and back on at any time; consumers have no such option. When a busin..."
    },
    {
     "kind": "meaning",
     "uid": "sepa-sct-inst:consumer-law",
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     "from": "[\"The ISO message identifiers for this scheme are in the two Implementation Guidelines and not in the rulebook. This record does not assert them. [Unverified...",
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     "from": "adherence to the EPC SEPA Instant Credit Transfer scheme and the roles of the parties to a transaction made under it",
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     "field": "currency.corroboration",
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    },
    {
     "kind": "sources",
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     "rail": "au-npp",
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     "file": "corpus/au-npp/core/state.mandate-suspended.json",
     "change": "added",
     "field": "currency.corroboration",
     "to": "class from its RuleSource: au-npp:src.npp-regulations-v21"
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    {
     "kind": "sources",
     "uid": "au-npp:state.mandate-suspended",
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     "file": "corpus/au-npp/core/state.mandate-suspended.json",
     "change": "added",
     "field": "currency.corroboration",
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     "kind": "promoted",
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    {
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     "to": "class from its RuleSource: blik:src.blik-recurring-payments-introduction"
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    {
     "kind": "sources",
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     "rail": "blik",
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     "file": "corpus/blik/core/state.recurring-payment-active.json",
     "change": "added",
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     "to": "class from its RuleSource: blik:src.blik-recurring-payments-model-a"
    },
    {
     "kind": "sources",
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     "file": "corpus/blik/core/state.recurring-payment-active.json",
     "change": "added",
     "field": "currency.corroboration",
     "to": "class from its RuleSource: blik:src.blik-faq"
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   "counts": {
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     "detail": "LifecycleState, draft"
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     "kind": "added",
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     "rail": "blik",
     "name": "BLIK recurring payment: active",
     "file": "corpus/blik/core/state.recurring-payment-active.json",
     "detail": "LifecycleState, draft"
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    {
     "kind": "added",
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     "rail": "blik",
     "name": "BLIK recurring payment: deleted by the user",
     "file": "corpus/blik/core/state.recurring-payment-deleted-by-user.json",
     "detail": "LifecycleState, draft"
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    {
     "kind": "added",
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     "rail": "blik",
     "name": "BLIK recurring payment: past its expiry date",
     "file": "corpus/blik/core/state.recurring-payment-expired.json",
     "detail": "LifecycleState, draft"
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     "file": "corpus/in-upi/core/state.e-mandate-registered.json",
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     "rail": "in-upi",
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     "file": "corpus/in-upi/core/state.e-mandate-withdrawn.json",
     "detail": "LifecycleState, draft"
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     "file": "corpus/pix/core/codeset.pain011-cancellation-reasons.json",
     "detail": "CodeSet, draft"
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    {
     "kind": "added",
     "uid": "pix:codeset.pain012-authorisation-rejection-reasons",
     "rail": "pix",
     "name": "Pix Automatico authorisation rejection reasons (pain.012)",
     "file": "corpus/pix/core/codeset.pain012-authorisation-rejection-reasons.json",
     "detail": "CodeSet, draft"
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     "rail": "pix",
     "name": "Pix Automatico instruction errors (pain.014)",
     "file": "corpus/pix/core/codeset.pain014-instruction-errors.json",
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    {
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     "file": "corpus/pix/core/exc.bloqueio-cautelar.json",
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    {
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     "rail": "pix",
     "name": "Devolucao (return)",
     "file": "corpus/pix/core/exc.devolucao.json",
     "detail": "Exception, corroborated"
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     "file": "corpus/pix/core/exc.med.json",
     "detail": "Exception, corroborated"
    },
    {
     "kind": "added",
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     "name": "Notificacao de infracao (infraction notice)",
     "file": "corpus/pix/core/exc.notificacao-de-infracao.json",
     "detail": "Exception, corroborated"
    },
    {
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     "rail": "pix",
     "name": "Pix Automatico authorisation",
     "file": "corpus/pix/core/mandate.pix-automatico-authorisation.json",
     "detail": "Mandate, draft"
    },
    {
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     "uid": "pix:role.bcb",
     "rail": "pix",
     "name": "Banco Central do Brasil",
     "file": "corpus/pix/core/role.bcb.json",
     "detail": "Role, corroborated"
    },
    {
     "kind": "added",
     "uid": "pix:role.direct-participant",
     "rail": "pix",
     "name": "Direct participant in the SPI",
     "file": "corpus/pix/core/role.direct-participant.json",
     "detail": "Role, corroborated"
    },
    {
     "kind": "added",
     "uid": "pix:role.indirect-participant",
     "rail": "pix",
     "name": "Indirect participant in the SPI",
     "file": "corpus/pix/core/role.indirect-participant.json",
     "detail": "Role, corroborated"
    },
    {
     "kind": "added",
     "uid": "pix:role.payer",
     "rail": "pix",
     "name": "Usuario pagador",
     "file": "corpus/pix/core/role.payer.json",
     "detail": "Role, corroborated"
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   ],
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  {
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   "date": "2026-09-21",
   "at": "2026-09-21T10:22:02-04:00",
   "merge": false,
   "subject": "corroborate: 11 of the 12 au-npp rail facts, leave liability draft",
   "rails": [
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   "counts": {
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    "sources": 19
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     "uid": "au-npp:consumer-law",
     "rail": "au-npp",
     "name": "What consumer law sits above the NPP?",
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     "name": "Where does somebody decide something on the NPP?",
     "file": "corpus/au-npp/profile/decision-points.json",
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     "name": "When is an NPP payment final, and can it be undone?",
     "file": "corpus/au-npp/profile/finality.json",
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     "rail": "au-npp",
     "name": "When is the NPP open?",
     "file": "corpus/au-npp/profile/hours.json",
     "field": "currency.status",
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     "name": "Is there a limit on an NPP payment?",
     "file": "corpus/au-npp/profile/limits.json",
     "field": "currency.status",
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     "file": "corpus/au-npp/profile/messages.json",
     "field": "currency.status",
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    {
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     "rail": "au-npp",
     "name": "Who takes part in the NPP?",
     "file": "corpus/au-npp/profile/participants.json",
     "field": "currency.status",
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     "name": "Can an NPP payment be recalled?",
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     "field": "currency.status",
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     "rail": "au-npp",
     "name": "Can a customer get an NPP payment refunded?",
     "file": "corpus/au-npp/profile/refund.json",
     "field": "currency.status",
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     "field": "currency.status",
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     "name": "How and when does an NPP payment settle?",
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     "change": "added",
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     "file": "corpus/au-npp/profile/consumer-law.json",
     "change": "added",
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     "rail": "au-npp",
     "name": "What consumer law sits above the NPP?",
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     "field": "currency.corroboration",
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     "change": "added",
     "field": "currency.corroboration",
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     "file": "corpus/au-npp/core/exc.mistaken-payment-return-request.json",
     "field": "currency.status",
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     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:exc.payment-initiation-rejection",
     "rail": "au-npp",
     "name": "Payment initiation rejection",
     "file": "corpus/au-npp/core/exc.payment-initiation-rejection.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:exc.settlement-rejection",
     "rail": "au-npp",
     "name": "Settlement rejection, which voids a cleared payment",
     "file": "corpus/au-npp/core/exc.settlement-rejection.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:exc.spf-scam-complaint",
     "rail": "au-npp",
     "name": "Scams Prevention Framework complaint",
     "file": "corpus/au-npp/core/exc.spf-scam-complaint.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:exc.unauthorised-transaction-claim",
     "rail": "au-npp",
     "name": "ePayments Code unauthorised transaction claim",
     "file": "corpus/au-npp/core/exc.unauthorised-transaction-claim.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:exc.unsolicited-return",
     "rail": "au-npp",
     "name": "Unsolicited return",
     "file": "corpus/au-npp/core/exc.unsolicited-return.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:mandate.authorised-payment-mandate",
     "rail": "au-npp",
     "name": "Authorised Payment Mandate (a PayTo agreement)",
     "file": "corpus/au-npp/core/mandate.authorised-payment-mandate.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:mandate.migrated-ddr-mandate",
     "rail": "au-npp",
     "name": "Migrated DDR Mandate",
     "file": "corpus/au-npp/core/mandate.migrated-ddr-mandate.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:state.applied-to-the-payee-account",
     "rail": "au-npp",
     "name": "Applied to the payee's account",
     "file": "corpus/au-npp/core/state.applied-to-the-payee-account.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:state.cleared",
     "rail": "au-npp",
     "name": "Cleared",
     "file": "corpus/au-npp/core/state.cleared.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:state.rejected-at-clearing",
     "rail": "au-npp",
     "name": "Rejected by the payee participant",
     "file": "corpus/au-npp/core/state.rejected-at-clearing.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:state.returned",
     "rail": "au-npp",
     "name": "Returned",
     "file": "corpus/au-npp/core/state.returned.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:state.settled",
     "rail": "au-npp",
     "name": "Settled in the Fast Settlement Service",
     "file": "corpus/au-npp/core/state.settled.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:state.submitted-to-the-gateway",
     "rail": "au-npp",
     "name": "Submitted to the payer participant's gateway",
     "file": "corpus/au-npp/core/state.submitted-to-the-gateway.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:state.voided-by-settlement-rejection",
     "rail": "au-npp",
     "name": "Void, because the settlement service rejected it",
     "file": "corpus/au-npp/core/state.voided-by-settlement-rejection.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:txn.bsct",
     "rail": "au-npp",
     "name": "Basic Single Credit Transfer (BSCT)",
     "file": "corpus/au-npp/core/txn.bsct.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:txn.ifti-payment",
     "rail": "au-npp",
     "name": "IFTI Payment",
     "file": "corpus/au-npp/core/txn.ifti-payment.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:txn.mandate-payment",
     "rail": "au-npp",
     "name": "Mandate Payment (PayTo)",
     "file": "corpus/au-npp/core/txn.mandate-payment.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    },
    {
     "kind": "promoted",
     "uid": "au-npp:txn.non-value-message",
     "rail": "au-npp",
     "name": "Non-Value Message",
     "file": "corpus/au-npp/core/txn.non-value-message.json",
     "field": "currency.status",
     "from": "draft",
     "to": "corroborated"
    }
   ],
   "items_omitted": 35
  }
 ]
}