Payment rails

Americas: 11 rails, 310 records, 91.3% corroborated or better, 46.5% resting on the authority's own text. Strongest on boleto, mx-spei and 2 more, where nothing reads draft and most of the evidence is the authority's own text; hold back on ca-acss, fednow and 4 more, where 27 records still read draft; and expect no reason code from boleto, fednow and 1 more, whose rail facts may read well while no code list exists at all.

Asia-Pacific: 6 rails, 93 records, 92.5% corroborated or better, 88.2% resting on the authority's own text. Strongest on au-npp-reject, where nothing reads draft and most of the evidence is the authority's own text; hold back on au-npp, in-upi and 3 more, where 7 records still read draft; and expect no reason code from in-upi, my-duitnow and 2 more, whose rail facts may read well while no code list exists at all.

Europe: 20 rails, 433 records, 94.5% corroborated or better, 89.6% resting on the authority's own text. Strongest on bancontact, blik and 7 more, where nothing reads draft and most of the evidence is the authority's own text; hold back on ch-sic, ch-sic-ip-reject and 7 more, where 24 records still read draft; and expect no reason code from bancontact, blik and 1 more, whose rail facts may read well while no code list exists at all.

Global: 9 rails, 173 records, 97.1% corroborated or better, 93.1% resting on the authority's own text. Strongest on mastercard, mastercard-decline and 4 more, where nothing reads draft and most of the evidence is the authority's own text; hold back on apple-pay, google-pay and 1 more, where 5 records still read draft; and expect no reason code from apple-pay, google-pay, whose rail facts may read well while no code list exists at all.

Middle East: 4 rails, 128 records, 97.7% corroborated or better, 0.8% resting on the authority's own text. No rail here is both free of drafts and mostly on the authority's own text; hold back on sa-sarie, where 3 records still read draft; and expect no reason code from sa-sarie, whose rail facts may read well while no code list exists at all.

The last 20 commits that changed something, 2026-09-21 to 2026-09-26, added 228 records, removed 0 and superseded 0; changed 1 deadlines, 1 actions and 73 meanings; demoted 1 records a trust tier and promoted 129; added, re-read or dropped 229 sources; found 0 newly stale; changed 5 known gap lines; and changed 73 other fields. 0 further commits changed formatting only and count as no change at all. Read from this repository's git history at build time, not from a stored tally; the list is in changes.json.

Every figure here is computed by the build from the corpus itself at snapshot 2026-09-20; none is written by hand, and the build refuses to publish this page if a figure disagrees with corpus.json.

Coverage counts an answer in full as one and an answer in part as a half, over every question in the bank. 4 rails of 50 have a bank; the rest have no measured competency at all, which is not the same as scoring zero.

Each sentence under "Where Orca is strong" is written from that group's own figures: a rail counts as strongest when no record in it reads draft and at least half of its records rest on the governing authority's own text, as a lead when any record reads draft, and as holding no codes when no reason code is published under its name.