{ "version": 1, "layers": [ "communication-networks", "entities", "instruments", "support-entities", "laws-and-rules" ], "rails": [ "lbtr", "sgpi", "pai", "ddc", "scc", "cards", "atm", "sipa", "bus", "oversight" ], "nodes": [ { "id": "edge:bus", "kind": "edge", "labName": "Message bus", "layer": "communication-networks", "status": "live", "fidelity": "stateful", "system": true, "rail": "bus", "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Every message between two actors travels it, signed and time-stamped, and every one of them is in the trace.", "manual": "quick-start", "row": 0, "col": 0, "x": 28, "y": 54, "w": 196, "h": 62, "steps": 0, "scenarios": [] }, { "id": "edge:gateway", "kind": "edge", "labName": "Gateway", "layer": "communication-networks", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "REST and OpenAPI, webhooks, the machine lane and the run store. A team key reaches exactly one world.", "manual": "authentication", "lane": "/v1", "row": 0, "col": 1, "x": 238, "y": 54, "w": 196, "h": 62, "steps": 0, "scenarios": [] }, { "id": "edge:public-simulation", "kind": "edge", "labName": "Public simulation", "layer": "communication-networks", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "The lane at /simulate/, which anybody may drive with no key and no sign-in, against a shared world reset daily.", "manual": "try-it-live", "lane": "/v1/public", "row": 0, "col": 2, "x": 448, "y": 54, "w": 196, "h": 62, "steps": 0, "scenarios": [] }, { "id": "terminal:TERM-LAB-0001", "kind": "terminal", "labName": "Cajero del Lab - vestibulo", "layer": "communication-networks", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "ATM on the Lab floor, operated by banco-norte, on the machine lane.", "manual": "machine-lane", "lane": "/v1/atm", "row": 0, "col": 3, "x": 658, "y": 54, "w": 196, "h": 62, "steps": 0, "scenarios": [] }, { "id": "terminal:TERM-LAB-0002", "kind": "terminal", "labName": "Cajero Inteligente del Lab", "layer": "communication-networks", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "ITM on the Lab floor, operated by banco-del-sur, on the machine lane.", "manual": "machine-lane", "lane": "/v1/atm", "row": 0, "col": 4, "x": 868, "y": 54, "w": 196, "h": 62, "steps": 0, "scenarios": [] }, { "id": "terminal:TERM-LAB-0003", "kind": "terminal", "labName": "Cajero de la Cooperativa del Lab", "layer": "communication-networks", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "ATM on the Lab floor, operated by coop-del-lab, on the machine lane.", "manual": "machine-lane", "lane": "/v1/atm", "row": 0, "col": 5, "x": 1078, "y": 54, "w": 196, "h": 62, "steps": 0, "scenarios": [] }, { "id": "terminal:TERM-LAB-0004", "kind": "terminal", "labName": "Cajero del Lab - sin efectivo", "layer": "communication-networks", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "ATM on the Lab floor, operated by banco-norte, on the machine lane.", "manual": "machine-lane", "lane": "/v1/atm", "row": 0, "col": 6, "x": 1288, "y": 54, "w": 196, "h": 62, "steps": 0, "scenarios": [] }, { "id": "machine:atleos-01", "kind": "machine", "labName": "atleos-01", "layer": "communication-networks", "status": "planned", "plannedBecause": "Declared in nodes/floor/ and not yet joined to the ecosystem. It goes live when its own profile says `connected: true`.", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "NCR Atleos SelfServ 62 - NDC Enterprise on Windows 11; NDC Enterprise version and XFS version PENDING on the Lab floor, speaking NDC to the host and standing for TERM-LAB-0001.", "manual": "machine-lane", "lane": "/v1/atm", "row": 0, "col": 7, "x": 1498, "y": 54, "w": 196, "h": 62, "steps": 0, "scenarios": [] }, { "id": "acquirer", "kind": "actor", "actorKind": "acquirer", "role": "acquirer", "labName": "Adquirente del Lab", "layer": "entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated acquirer (empresa de adquirencia): merchant affiliation with its contract and category code, POS and e-commerce authorization routed to the scheme that carries the BIN, capture, refund, the chargeback lifecycle, clearing per cycle settled net in the LBTR (Art. 79), and each acceptor paid its proceeds less the merchant discount", "manual": "endpoints", "lane": "/v1/cards", "row": 0, "col": 0, "x": 28, "y": 190, "w": 196, "h": 62, "steps": 69, "scenarios": [ "card-chargeback", "card-clearing-settlement", "card-ecommerce-3ds", "card-pos-purchase", "card-refund", "card-testing-attack", "card-tokenized-wallet", "chaos-card-cycle" ] }, { "id": "banco-del-sur", "kind": "actor", "actorKind": "bank", "role": "bank", "labName": "Banco del Sur del Lab", "layer": "entities", "status": "live", "fidelity": "stateful", "system": false, "personality": "permissive-digital", "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated bank (EIF): accounts in DOP, USD and EUR, electronic payment accounts under the Art. 78 numeral II cap, LBTR and SGPI participation, currency conversion, cards and the ATM host, ten-year records. Stateful, or behavioural with a behaviour profile", "manual": "endpoints", "lane": "/v1/payments", "row": 0, "col": 1, "x": 238, "y": 190, "w": 196, "h": 62, "steps": 123, "scenarios": [ "accelerated-billing-cycles", "bureau-disagreement", "card-chargeback", "card-clearing-settlement", "card-ecommerce-3ds", "card-pos-purchase", "card-refund", "card-testing-attack", "card-tokenized-wallet", "chaos-card-cycle", "cheque-business-chequebook", "insurance-embedded-on-a-transfer", "insurance-quote-bind-claim", "mobile-top-up-and-bill", "payroll-employer-file", "remittance-float-funding", "tax-payment" ] }, { "id": "banco-norte", "kind": "actor", "actorKind": "bank", "role": "bank", "labName": "Banco Norte del Lab", "layer": "entities", "status": "live", "fidelity": "stateful", "system": false, "personality": "strict-legacy", "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated bank (EIF): accounts in DOP, USD and EUR, electronic payment accounts under the Art. 78 numeral II cap, LBTR and SGPI participation, currency conversion, cards and the ATM host, ten-year records. Stateful, or behavioural with a behaviour profile", "manual": "endpoints", "lane": "/v1/payments", "row": 0, "col": 2, "x": 448, "y": 190, "w": 196, "h": 62, "steps": 439, "scenarios": [ "accelerated-billing-cycles", "account-takeover", "adversarial-detection", "atm-cardholder-withdrawal", "atm-cardless-withdrawal", "card-chargeback", "card-clearing-settlement", "card-ecommerce-3ds", "card-pos-purchase", "card-refund", "card-testing-attack", "card-tokenized-wallet", "chaos-card-cycle", "chaos-cheque-settlement", "chaos-sgpi-burst", "charge-to-beneficiary-must-fail", "cheque-business-chequebook", "cheque-cycle-after-sgpi", "cheque-deposit-and-clear", "compliance-cash-report", "compliance-suspicious-report", "direct-credit-with-return", "gateway-ecommerce-purchase", "initiation-against-an-epa", "initiation-with-consent", "insurance-embedded-on-a-transfer", "insurance-quote-bind-claim", "internal-transfer", "lbtr-foreign-currency", "lbtr-high-value", "mobile-top-up-and-bill", "onboarding-account-opening", "pagos-al-instante", "pagos-al-instante-dollars", "payroll-employer-file", "qr-purchase", "sgpi-instant-alias", "sgpi-under-sla-profiles", "sipa-regional-transfer", "social-engineering", "supervisor-inspection", "synthetic-identity", "tax-payment", "wallet-topup-and-p2p" ] }, { "id": "coop-del-lab", "kind": "actor", "actorKind": "bank", "role": "bank", "labName": "Cooperativa del Lab", "layer": "entities", "status": "live", "fidelity": "stateful", "system": false, "personality": "cooperative", "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated bank (EIF): accounts in DOP, USD and EUR, electronic payment accounts under the Art. 78 numeral II cap, LBTR and SGPI participation, currency conversion, cards and the ATM host, ten-year records. Stateful, or behavioural with a behaviour profile", "manual": "endpoints", "lane": "/v1/payments", "row": 0, "col": 3, "x": 658, "y": 190, "w": 196, "h": 62, "steps": 0, "scenarios": [] }, { "id": "epe-lab", "kind": "actor", "actorKind": "epe", "role": "epe", "labName": "EPE del Lab", "layer": "entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated electronic-payment entity: electronic payment accounts, agentes de pago electronico, remittance and subsidy inflows", "manual": "endpoints", "lane": "/v1/institutions", "row": 0, "col": 4, "x": 868, "y": 190, "w": 196, "h": 62, "steps": 26, "scenarios": [ "atm-cardless-withdrawal", "chaos-remittance-payout", "initiation-against-an-epa", "mobile-top-up-and-bill", "onboarding-account-opening", "remittance-float-funding", "remittance-inbound-payout", "wallet-topup-and-p2p" ] }, { "id": "casa-de-cambio", "kind": "actor", "actorKind": "exchange-agent", "role": "exchange-agent", "labName": "Agente de Cambio del Lab", "layer": "entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated exchange agent (Agente de Cambio del Lab): the `agente de cambio` proper - a DIRECT participant with current accounts in pesos, dollars and euros at the simulated Central Bank. States a two-sided rate around a fictitious round mid, deals cash at a counter against a person of the synthetic population (identified and screened above a Lab threshold) and interbank against another direct participant with both legs settled gross in the LBTR, records every conversion (Arts. 41-42) and reports every operation to the simulated Central Bank on a Lab schema - no real foreign-exchange form is public (assumption A-43)", "manual": "endpoints", "lane": "/v1/exchange", "row": 0, "col": 5, "x": 1078, "y": 190, "w": 196, "h": 62, "steps": 9, "scenarios": [ "exchange-agent-fx" ] }, { "id": "gateway-provider", "kind": "actor", "actorKind": "gateway-provider", "role": "gateway-provider", "labName": "Pasarela del Lab", "layer": "entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated payment-gateway provider: merchant affiliation against a confirmed settlement account, checkouts with a merchant-presented QR, routing to the acquirer lane for cards and to a payment-initiation provider for account-to-account orders, merchant webhooks. Never receives the funds (Art. 4 eee)", "manual": "endpoints", "lane": "/v1/checkout", "row": 0, "col": 6, "x": 1288, "y": 190, "w": 196, "h": 62, "steps": 13, "scenarios": [ "gateway-ecommerce-purchase", "qr-purchase" ] }, { "id": "initiation", "kind": "actor", "actorKind": "initiation-provider", "role": "initiation-provider", "labName": "Iniciador del Lab", "layer": "entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated payment-initiation provider: consent requested from and verified by the account-servicing institution, orders initiated on the holder account over an existing rail, never holding the funds (Art. 4 mm, 38-40)", "manual": "endpoints", "lane": "/v1/initiation", "row": 0, "col": 7, "x": 1498, "y": 190, "w": 196, "h": 62, "steps": 12, "scenarios": [ "gateway-ecommerce-purchase", "initiation-against-an-epa", "initiation-with-consent" ] }, { "id": "corredor", "kind": "actor", "actorKind": "insurance-broker", "role": "insurance-broker", "labName": "Corredor Digital del Lab", "layer": "entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated digital insurance broker (Corredor Digital del Lab): quotes compared across the insurers it represents, business placed with one of them, and the premium never passing through it. Holds no funds (Lab control)", "manual": "endpoints", "lane": "/v1/insurance", "row": 1, "col": 0, "x": 28, "y": 266, "w": 196, "h": 62, "steps": 3, "scenarios": [ "insurance-quote-bind-claim" ] }, { "id": "aseguradora", "kind": "actor", "actorKind": "insurer", "role": "insurer", "labName": "Aseguradora del Lab", "layer": "entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated insurer (Aseguradora del Lab): a product shelf, quote and bind, premium collected by direct debit through the DD/DC administrator or by card through the acquiring lane, claims with documents and an assessment against what the product asks for, payout into the account of the insured over the SGPI, and embedded cover offered on a loan disbursement or a transfer. Holds no book of its own - an insurer is an INDIRECT participant. Everything about the insurance half is a Lab control (assumption A-40)", "manual": "endpoints", "lane": "/v1/insurance", "row": 1, "col": 1, "x": 238, "y": 266, "w": 196, "h": 62, "steps": 17, "scenarios": [ "insurance-embedded-on-a-transfer", "insurance-quote-bind-claim" ] }, { "id": "remesadora", "kind": "actor", "actorKind": "remittance-agent", "role": "remittance-agent", "labName": "Remesadora del Lab", "layer": "entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated remittance-and-exchange agent (Remesadora del Lab): inbound remittances from a foreign operator, both parties screened before payout, the foreign currency bought against pesos at a stated Lab rate and booked as an FX purchase, and the beneficiary paid in pesos into an electronic payment account (Art. 20 numeral I), at one of the agent's own counters, or at a machine", "manual": "endpoints", "lane": "/v1/remittances", "row": 1, "col": 2, "x": 448, "y": 266, "w": 196, "h": 62, "steps": 29, "scenarios": [ "chaos-remittance-payout", "remittance-float-funding", "remittance-inbound-payout" ] }, { "id": "sub-acquirer", "kind": "actor", "actorKind": "sub-acquirer", "role": "sub-acquirer", "labName": "Subadquirente del Lab", "layer": "entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated empresa de subadquirencia: sub-merchants onboarded under the acquirer's contract, authorizations forwarded under the sub-acquirer's own merchant identifier, and the funds of their transactions held temporarily and remitted to the affiliated merchant (Art. 4 z)", "manual": "endpoints", "lane": "/v1/sub-acquirers", "row": 1, "col": 3, "x": 658, "y": 266, "w": 196, "h": 62, "steps": 0, "scenarios": [] }, { "id": "wallet", "kind": "actor", "actorKind": "wallet-provider", "role": "wallet-provider", "labName": "Billetera del Lab", "layer": "entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated digital-wallet provider: wallets over accounts, electronic payment accounts and tokenized cards; top-up, wallet-to-wallet and wallet-to-account over the SGPI, Pagos al Instante, LBTR and DD/DC rails; presents and reads the Lab QR profile. Holds no funds of its own", "manual": "endpoints", "lane": "/v1/wallets", "row": 1, "col": 4, "x": 868, "y": 266, "w": 196, "h": 62, "steps": 21, "scenarios": [ "gateway-ecommerce-purchase", "qr-purchase", "wallet-topup-and-p2p" ] }, { "id": "atm-network", "kind": "actor", "actorKind": "atm-network-administrator", "role": "atm-network-administrator", "labName": "Red de Cajeros del Lab", "layer": "instruments", "status": "live", "fidelity": "stateful", "system": true, "rail": "atm", "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated ATM-network administrator and ATM host: terminals, cardholder and cardless withdrawals, deposits with recognition, remittance payout, net settlement of the cycle in the LBTR", "manual": "endpoints", "lane": "/v1/atm", "row": 0, "col": 0, "x": 28, "y": 402, "w": 196, "h": 62, "steps": 20, "scenarios": [ "adversarial-detection", "atm-cardholder-withdrawal", "atm-cardless-withdrawal" ] }, { "id": "card-processor-a", "kind": "actor", "actorKind": "card-processor", "role": "card-processor", "labName": "Red Azul del Lab", "layer": "instruments", "status": "live", "fidelity": "stateful", "system": true, "rail": "cards", "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated card-scheme processor: its own BIN table in the Lab synthetic IIN range, authorization routed to the issuer that owns the BIN, network tokens with a payment account reference, 3-D Secure outcomes, EMV and contactless entry modes, clearing cycles settled net in the LBTR (Art. 79), and disputes on the Lab reason codes", "manual": "endpoints", "lane": "/v1/schemes", "row": 0, "col": 1, "x": 238, "y": 402, "w": 196, "h": 62, "steps": 8, "scenarios": [ "card-chargeback", "card-ecommerce-3ds", "card-testing-attack", "card-tokenized-wallet" ] }, { "id": "card-processor-b", "kind": "actor", "actorKind": "card-processor", "role": "card-processor", "labName": "Red Roja del Lab", "layer": "instruments", "status": "live", "fidelity": "stateful", "system": true, "rail": "cards", "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated card-scheme processor: its own BIN table in the Lab synthetic IIN range, authorization routed to the issuer that owns the BIN, network tokens with a payment account reference, 3-D Secure outcomes, EMV and contactless entry modes, clearing cycles settled net in the LBTR (Art. 79), and disputes on the Lab reason codes", "manual": "endpoints", "lane": "/v1/schemes", "row": 0, "col": 2, "x": 448, "y": 402, "w": 196, "h": 62, "steps": 0, "scenarios": [] }, { "id": "ddc-administrator", "kind": "actor", "actorKind": "ddc-administrator", "role": "ddc-administrator", "labName": "Administrador DD/DC del Lab", "layer": "instruments", "status": "live", "fidelity": "stateful", "system": true, "rail": "ddc", "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated direct-debit / direct-credit administrator: batch cycles, returns with reason codes, net settlement in the LBTR", "manual": "endpoints", "lane": "/v1/transfers", "row": 0, "col": 3, "x": 658, "y": 402, "w": 196, "h": 62, "steps": 5, "scenarios": [ "direct-credit-with-return", "payroll-employer-file" ] }, { "id": "cheque-clearing", "kind": "actor", "actorKind": "scc-administrator", "role": "scc-administrator", "labName": "Cámara de Cheques del Lab", "layer": "instruments", "status": "live", "fidelity": "stateful", "system": true, "rail": "scc", "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated cheque clearing system (Cámara de Cheques del Lab): cheques issued to the Título IX structure, digitized and truncated at deposit, images exchanged between participants, clearing cycles with returns and reason codes, and the net result settled in the LBTR at the rank IN-36-005 numeral 21 gives it", "manual": "endpoints", "lane": "/v1/cheques", "row": 0, "col": 4, "x": 868, "y": 402, "w": 196, "h": 62, "steps": 28, "scenarios": [ "chaos-cheque-settlement", "cheque-business-chequebook", "cheque-cycle-after-sgpi", "cheque-deposit-and-clear" ] }, { "id": "sipa", "kind": "actor", "actorKind": "sipa-counterpart", "role": "sipa-counterpart", "labName": "SIPA del Lab", "layer": "instruments", "status": "live", "fidelity": "stateful", "system": true, "rail": "sipa", "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated SIPA counterpart (SIPA del Lab): outgoing regional transfers in United States dollars to Costa Rica, El Salvador, Guatemala, Honduras and Nicaragua, inside the weekday 07:00-17:00 Dominican-time window and at the US$5 the originating client bears, settled into its dollar current account at the simulated Central Bank through the LBTR", "manual": "endpoints", "lane": "/v1/sipa", "row": 0, "col": 5, "x": 1078, "y": 402, "w": 196, "h": 62, "steps": 9, "scenarios": [ "sipa-regional-transfer" ] }, { "id": "credit-bureau", "kind": "actor", "actorKind": "credit-bureau", "role": "credit-bureau", "labName": "Buró de Crédito del Lab", "layer": "support-entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated credit bureau: score and file thickness for onboarding and credit decisions. TWO INSTANCES stand in a Lab world and they are meant to disagree - a `personality` gives each its own coverage and its own scorecard, the incumbent holding a file on everybody and reading the population's own number, the challenger holding one on three quarters and reading recent behaviour rather than depth of file. A bureau with no file answers `covered: false` and NO SCORE, never a low one (assumption A-52)", "manual": "endpoints", "lane": "/v1/bureaus", "row": 0, "col": 0, "x": 28, "y": 538, "w": 196, "h": 62, "steps": 3, "scenarios": [ "bureau-disagreement" ] }, { "id": "credit-bureau-b", "kind": "actor", "actorKind": "credit-bureau", "role": "credit-bureau", "labName": "Buró Alternativo del Lab", "layer": "support-entities", "status": "live", "fidelity": "stateful", "system": false, "personality": "challenger-alternative", "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated credit bureau: score and file thickness for onboarding and credit decisions. TWO INSTANCES stand in a Lab world and they are meant to disagree - a `personality` gives each its own coverage and its own scorecard, the incumbent holding a file on everybody and reading the population's own number, the challenger holding one on three quarters and reading recent behaviour rather than depth of file. A bureau with no file answers `covered: false` and NO SCORE, never a low one (assumption A-52)", "manual": "endpoints", "lane": "/v1/bureaus", "row": 0, "col": 1, "x": 238, "y": 538, "w": 196, "h": 62, "steps": 3, "scenarios": [ "bureau-disagreement" ] }, { "id": "identity", "kind": "actor", "actorKind": "identity", "role": "identity", "labName": "Registro e Identidad del Lab", "layer": "support-entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated identity support entity: registry lookups, document and liveness verification with configurable confidence", "manual": "endpoints", "lane": "/v1/directory", "row": 0, "col": 2, "x": 448, "y": 538, "w": 196, "h": 62, "steps": 0, "scenarios": [] }, { "id": "seguridad-social", "kind": "actor", "actorKind": "social-security", "role": "social-security", "labName": "Tesorería de Seguridad Social del Lab", "layer": "support-entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated social-security treasury (Tesorería de Seguridad Social del Lab): employer registration, a payroll contribution file assessed at two deliberately round Lab rates, collection over the DD/DC administrator's own direct-debit or direct-credit cycle settling net in the LBTR (Art. 79), and a period reconciled LINE BY LINE against what was assessed rather than total against total (A-51)", "manual": "endpoints", "lane": "/v1/social-security", "row": 0, "col": 3, "x": 658, "y": 538, "w": 196, "h": 62, "steps": 13, "scenarios": [ "payroll-employer-file" ] }, { "id": "hacienda", "kind": "actor", "actorKind": "tax-authority", "role": "tax-authority", "labName": "Hacienda del Lab", "layer": "support-entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated tax authority (Hacienda del Lab): a collecting counterparty that COMPUTES NO TAX. Obligations stated before they are paid, a bulk employer payroll-tax file whose declared total is checked against the sum of its lines and never believed, payment by direct credit or - above the high-value threshold of IN-36-005 numeral 69, which the simulated Central Bank enforces and this actor never carries - in the LBTR, and a receipt for every payment. No rate, bracket or deadline exists anywhere in it (A-50)", "manual": "endpoints", "lane": "/v1/tax", "row": 0, "col": 4, "x": 868, "y": 538, "w": 196, "h": 62, "steps": 17, "scenarios": [ "payroll-employer-file", "tax-payment" ] }, { "id": "telco", "kind": "actor", "actorKind": "telco", "role": "telco", "labName": "Telco del Lab", "layer": "support-entities", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated mobile operator (Telco del Lab): a BILLER, not a participant. A subscriber roll that confirms who holds a number and answers nothing else - no balance, no consumption, no account, because the mapping from an identifier to an account is the SGPI alias directory's alone; prepaid top-ups and postpaid bills presented before they are paid, collected out of an electronic payment account (Art. 20 names both `top-up` and `bill payment` among its permitted operations) or by a direct-credit file whose cycle settles net in the LBTR (Art. 79). The plans, the prices and the ceiling are Lab figures (A-49)", "manual": "endpoints", "lane": "/v1/telco", "row": 0, "col": 5, "x": 1078, "y": 538, "w": 196, "h": 62, "steps": 36, "scenarios": [ "accelerated-billing-cycles", "account-takeover", "mobile-top-up-and-bill", "synthetic-identity" ] }, { "id": "central-bank", "kind": "actor", "actorKind": "central-bank", "role": "central-bank", "labName": "Banco Central del Lab", "layer": "laws-and-rules", "status": "live", "fidelity": "stateful", "system": true, "rail": "lbtr", "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated Central Bank: current accounts of direct participants, LBTR, SGPI, Pagos al Instante, net settlement, account standard", "manual": "endpoints", "lane": "/v1/lbtr", "row": 0, "col": 0, "x": 28, "y": 674, "w": 196, "h": 62, "steps": 11, "scenarios": [ "card-clearing-settlement", "chaos-cheque-settlement", "chaos-sgpi-burst", "cheque-cycle-after-sgpi", "exchange-agent-fx", "lbtr-foreign-currency", "lbtr-high-value" ] }, { "id": "cumplimiento", "kind": "actor", "actorKind": "compliance", "role": "monitoring", "labName": "CEMI Cumplimiento del Lab", "layer": "laws-and-rules", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated compliance participant: sanctions and PEP screening against the Lab lists, a pluggable monitoring-participant interface (the built-in monitoring unit is the first implementation), case management, and filing to the simulated UAF", "manual": "endpoints", "lane": "/v1/compliance", "row": 0, "col": 1, "x": 238, "y": 674, "w": 196, "h": 62, "steps": 24, "scenarios": [ "compliance-cash-report", "compliance-suspicious-report", "social-engineering" ] }, { "id": "monitoring", "kind": "actor", "actorKind": "monitoring", "role": "monitoring", "labName": "Unidad de Monitoreo del Lab", "layer": "laws-and-rules", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated transaction-monitoring unit: consumes the institutions' movement records and the networks' machine transactions (Arts. 43-44), raises alerts on Lab patterns, and scores itself against the Lab's own ground truth", "manual": "endpoints", "lane": "/v1/compliance", "row": 0, "col": 2, "x": 448, "y": 674, "w": 196, "h": 62, "steps": 14, "scenarios": [ "account-takeover", "adversarial-detection", "card-testing-attack", "synthetic-identity" ] }, { "id": "supervisor", "kind": "actor", "actorKind": "supervisor", "role": "supervisor", "labName": "Superintendencia del Lab", "layer": "laws-and-rules", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated supervisor (banking, insurance or securities): regulatory-report intake per participant type on a published Lab schedule, and inspection data requests answered out of the participant's own records (Art. 42)", "manual": "endpoints", "lane": "/v1/supervisors", "row": 0, "col": 3, "x": 658, "y": 674, "w": 196, "h": 62, "steps": 6, "scenarios": [ "supervisor-inspection" ] }, { "id": "supervisor-seguros", "kind": "actor", "actorKind": "supervisor", "role": "supervisor", "labName": "Supervisor de Seguros del Lab", "layer": "laws-and-rules", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated supervisor (banking, insurance or securities): regulatory-report intake per participant type on a published Lab schedule, and inspection data requests answered out of the participant's own records (Art. 42)", "manual": "endpoints", "lane": "/v1/supervisors", "row": 0, "col": 4, "x": 868, "y": 674, "w": 196, "h": 62, "steps": 1, "scenarios": [ "supervisor-inspection" ] }, { "id": "supervisor-valores", "kind": "actor", "actorKind": "supervisor", "role": "supervisor", "labName": "Supervisor de Valores del Lab", "layer": "laws-and-rules", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated supervisor (banking, insurance or securities): regulatory-report intake per participant type on a published Lab schedule, and inspection data requests answered out of the participant's own records (Art. 42)", "manual": "endpoints", "lane": "/v1/supervisors", "row": 0, "col": 5, "x": 1078, "y": 674, "w": 196, "h": 62, "steps": 1, "scenarios": [ "supervisor-inspection" ] }, { "id": "vigilancia", "kind": "actor", "actorKind": "vigilancia", "role": "supervisor", "labName": "Vigilancia del Banco Central del Lab", "layer": "laws-and-rules", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "The Central Bank's vigilancia function (Arts. 45-50) as an observer feed of system-level metrics per run - a separate actor from the administrator, which is what Art. 48 requires", "manual": "endpoints", "lane": "/v1/supervisors", "row": 0, "col": 6, "x": 1288, "y": 674, "w": 196, "h": 62, "steps": 3, "scenarios": [ "supervisor-inspection" ] }, { "id": "uaf", "kind": "actor", "actorKind": "uaf", "role": "uaf", "labName": "UAF del Lab", "layer": "laws-and-rules", "status": "live", "fidelity": "stateful", "system": false, "notice": "Simulated. Carries a Lab name, is not the entity it is modelled after, and is not an ambiente de prueba under Art. 83.", "note": "Simulated financial-intelligence unit: intake of suspicious- and cash-transaction reports on a Lab schema, acknowledgements with receipts, case references and feedback codes, and the Art. 41 record of accepted and refused submissions alike", "manual": "endpoints", "lane": "/v1/uaf", "row": 0, "col": 7, "x": 1498, "y": 674, "w": 196, "h": 62, "steps": 13, "scenarios": [ "compliance-cash-report", "compliance-suspicious-report", "social-engineering" ] }, { "id": "seat:bcrd", "kind": "seat", "labName": "Banco Central de la República Dominicana", "layer": "laws-and-rules", "status": "planned", "plannedBecause": "A supervisory seat offered and not yet taken. It goes live when `seatAccepted: true` is set on its team in teams.yaml. A seat is not an agreement.", "fidelity": "stub", "system": false, "notice": "A seat offered to a real institution, read-only and not yet taken. It is not an agreement: none exists.", "note": "A read-only supervisory seat: every world's traces, run reports and rule verdicts, and the vigilancia views. It operates nothing and starts no run.", "manual": "authentication", "row": 1, "col": 0, "x": 28, "y": 750, "w": 196, "h": 62, "steps": 0, "scenarios": [] }, { "id": "seat:sib", "kind": "seat", "labName": "Superintendencia de Bancos", "layer": "laws-and-rules", "status": "planned", "plannedBecause": "A supervisory seat offered and not yet taken. It goes live when `seatAccepted: true` is set on its team in teams.yaml. A seat is not an agreement.", "fidelity": "stub", "system": false, "notice": "A seat offered to a real institution, read-only and not yet taken. It is not an agreement: none exists.", "note": "A read-only supervisory seat: every world's traces, run reports and rule verdicts, and the vigilancia views. It operates nothing and starts no run.", "manual": "authentication", "row": 1, "col": 1, "x": 238, "y": 750, "w": 196, "h": 62, "steps": 0, "scenarios": [] } ], "edges": [ { "id": "acquirer→banco-del-sur·bus", "from": "acquirer", "to": "banco-del-sur", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "card-clearing-settlement" ], "count": 1 }, { "id": "acquirer→banco-norte·bus", "from": "acquirer", "to": "banco-norte", "rail": "bus", "declared": true, "status": "live", "scenarios": [ "card-chargeback", "card-clearing-settlement", "card-ecommerce-3ds", "card-refund", "card-testing-attack", "card-tokenized-wallet", "chaos-card-cycle" ], "count": 7 }, { "id": "acquirer→card-processor-a·cards", "from": "acquirer", "to": "card-processor-a", "rail": "cards", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "acquirer→card-processor-b·cards", "from": "acquirer", "to": "card-processor-b", "rail": "cards", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "aseguradora→acquirer·bus", "from": "aseguradora", "to": "acquirer", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "aseguradora→banco-del-sur·bus", "from": "aseguradora", "to": "banco-del-sur", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "insurance-embedded-on-a-transfer", "insurance-quote-bind-claim" ], "count": 6 }, { "id": "aseguradora→banco-norte·bus", "from": "aseguradora", "to": "banco-norte", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "insurance-embedded-on-a-transfer", "insurance-quote-bind-claim" ], "count": 2 }, { "id": "aseguradora→ddc-administrator·ddc", "from": "aseguradora", "to": "ddc-administrator", "rail": "ddc", "declared": true, "status": "awaiting-the-bank", "scenarios": [], "count": 0 }, { "id": "aseguradora→supervisor-seguros·bus", "from": "aseguradora", "to": "supervisor-seguros", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "atm-network→banco-del-sur·atm", "from": "atm-network", "to": "banco-del-sur", "rail": "atm", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "atm-network→banco-norte·atm", "from": "atm-network", "to": "banco-norte", "rail": "atm", "declared": true, "status": "live", "scenarios": [ "adversarial-detection", "atm-cardholder-withdrawal" ], "count": 13 }, { "id": "atm-network→coop-del-lab·atm", "from": "atm-network", "to": "coop-del-lab", "rail": "atm", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "atm-network→epe-lab·atm", "from": "atm-network", "to": "epe-lab", "rail": "atm", "declared": false, "status": "live", "scenarios": [ "atm-cardless-withdrawal" ], "count": 1 }, { "id": "banco-del-sur→central-bank·sgpi", "from": "banco-del-sur", "to": "central-bank", "rail": "sgpi", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "tax-payment" ], "count": 1 }, { "id": "banco-del-sur→credit-bureau-b·bus", "from": "banco-del-sur", "to": "credit-bureau-b", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "banco-del-sur→credit-bureau·bus", "from": "banco-del-sur", "to": "credit-bureau", "rail": "bus", "declared": true, "status": "live", "scenarios": [ "bureau-disagreement" ], "count": 3 }, { "id": "banco-norte→central-bank·lbtr", "from": "banco-norte", "to": "central-bank", "rail": "lbtr", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "lbtr-foreign-currency", "lbtr-high-value" ], "count": 4 }, { "id": "banco-norte→central-bank·pai", "from": "banco-norte", "to": "central-bank", "rail": "pai", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "pagos-al-instante", "pagos-al-instante-dollars" ], "count": 7 }, { "id": "banco-norte→central-bank·sgpi", "from": "banco-norte", "to": "central-bank", "rail": "sgpi", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "chaos-sgpi-burst", "cheque-cycle-after-sgpi" ], "count": 9 }, { "id": "banco-norte→credit-bureau-b·bus", "from": "banco-norte", "to": "credit-bureau-b", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "banco-norte→credit-bureau·bus", "from": "banco-norte", "to": "credit-bureau", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "card-processor-a→banco-norte·cards", "from": "card-processor-a", "to": "banco-norte", "rail": "cards", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "card-processor-a→coop-del-lab·cards", "from": "card-processor-a", "to": "coop-del-lab", "rail": "cards", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "card-processor-b→banco-del-sur·cards", "from": "card-processor-b", "to": "banco-del-sur", "rail": "cards", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "casa-de-cambio→banco-norte·bus", "from": "casa-de-cambio", "to": "banco-norte", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "exchange-agent-fx" ], "count": 1 }, { "id": "casa-de-cambio→central-bank·lbtr", "from": "casa-de-cambio", "to": "central-bank", "rail": "lbtr", "declared": true, "status": "awaiting-the-bank", "scenarios": [], "count": 0 }, { "id": "casa-de-cambio→cumplimiento·bus", "from": "casa-de-cambio", "to": "cumplimiento", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "central-bank→banco-del-sur·lbtr", "from": "central-bank", "to": "banco-del-sur", "rail": "lbtr", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "tax-payment" ], "count": 1 }, { "id": "central-bank→banco-norte·lbtr", "from": "central-bank", "to": "banco-norte", "rail": "lbtr", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "cheque-cycle-after-sgpi", "lbtr-foreign-currency", "lbtr-high-value" ], "count": 6 }, { "id": "central-bank→banco-norte·pai", "from": "central-bank", "to": "banco-norte", "rail": "pai", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "pagos-al-instante", "pagos-al-instante-dollars" ], "count": 7 }, { "id": "central-bank→banco-norte·sgpi", "from": "central-bank", "to": "banco-norte", "rail": "sgpi", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "chaos-sgpi-burst", "cheque-cycle-after-sgpi", "initiation-against-an-epa", "initiation-with-consent", "tax-payment" ], "count": 18 }, { "id": "central-bank→initiation·sgpi", "from": "central-bank", "to": "initiation", "rail": "sgpi", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "gateway-ecommerce-purchase" ], "count": 2 }, { "id": "cheque-clearing→banco-del-sur·scc", "from": "cheque-clearing", "to": "banco-del-sur", "rail": "scc", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "cheque-business-chequebook" ], "count": 2 }, { "id": "cheque-clearing→banco-norte·scc", "from": "cheque-clearing", "to": "banco-norte", "rail": "scc", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "chaos-cheque-settlement", "cheque-business-chequebook", "cheque-cycle-after-sgpi", "cheque-deposit-and-clear" ], "count": 10 }, { "id": "cheque-clearing→central-bank·lbtr", "from": "cheque-clearing", "to": "central-bank", "rail": "lbtr", "declared": true, "status": "awaiting-the-bank", "scenarios": [], "count": 0 }, { "id": "coop-del-lab→credit-bureau-b·bus", "from": "coop-del-lab", "to": "credit-bureau-b", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "coop-del-lab→credit-bureau·bus", "from": "coop-del-lab", "to": "credit-bureau", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "corredor→aseguradora·bus", "from": "corredor", "to": "aseguradora", "rail": "bus", "declared": true, "status": "live", "scenarios": [ "insurance-quote-bind-claim" ], "count": 1 }, { "id": "corredor→banco-del-sur·bus", "from": "corredor", "to": "banco-del-sur", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "insurance-quote-bind-claim" ], "count": 2 }, { "id": "corredor→supervisor-seguros·bus", "from": "corredor", "to": "supervisor-seguros", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "cumplimiento→atm-network·atm", "from": "cumplimiento", "to": "atm-network", "rail": "atm", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "cumplimiento→banco-del-sur·bus", "from": "cumplimiento", "to": "banco-del-sur", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "cumplimiento→banco-norte·bus", "from": "cumplimiento", "to": "banco-norte", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "cumplimiento→coop-del-lab·bus", "from": "cumplimiento", "to": "coop-del-lab", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "cumplimiento→epe-lab·bus", "from": "cumplimiento", "to": "epe-lab", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "cumplimiento→monitoring·bus", "from": "cumplimiento", "to": "monitoring", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "cumplimiento→uaf·bus", "from": "cumplimiento", "to": "uaf", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "ddc-administrator→banco-del-sur·ddc", "from": "ddc-administrator", "to": "banco-del-sur", "rail": "ddc", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "payroll-employer-file" ], "count": 2 }, { "id": "ddc-administrator→banco-norte·ddc", "from": "ddc-administrator", "to": "banco-norte", "rail": "ddc", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "direct-credit-with-return", "payroll-employer-file" ], "count": 6 }, { "id": "edge:gateway→edge:bus·bus", "from": "edge:gateway", "to": "edge:bus", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "edge:public-simulation→edge:gateway·bus", "from": "edge:public-simulation", "to": "edge:gateway", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "gateway-provider→acquirer·bus", "from": "gateway-provider", "to": "acquirer", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "gateway-provider→banco-norte·bus", "from": "gateway-provider", "to": "banco-norte", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "gateway-ecommerce-purchase", "qr-purchase" ], "count": 4 }, { "id": "gateway-provider→card-processor-a·cards", "from": "gateway-provider", "to": "card-processor-a", "rail": "cards", "declared": false, "status": "live", "scenarios": [ "gateway-ecommerce-purchase" ], "count": 1 }, { "id": "gateway-provider→central-bank·sgpi", "from": "gateway-provider", "to": "central-bank", "rail": "sgpi", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "gateway-ecommerce-purchase" ], "count": 2 }, { "id": "gateway-provider→credit-bureau·bus", "from": "gateway-provider", "to": "credit-bureau", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "gateway-ecommerce-purchase" ], "count": 1 }, { "id": "gateway-provider→initiation·bus", "from": "gateway-provider", "to": "initiation", "rail": "bus", "declared": true, "status": "live", "scenarios": [ "gateway-ecommerce-purchase" ], "count": 1 }, { "id": "gateway-provider→wallet·bus", "from": "gateway-provider", "to": "wallet", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "qr-purchase" ], "count": 2 }, { "id": "hacienda→banco-del-sur·bus", "from": "hacienda", "to": "banco-del-sur", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "payroll-employer-file", "tax-payment" ], "count": 5 }, { "id": "hacienda→banco-norte·bus", "from": "hacienda", "to": "banco-norte", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "payroll-employer-file", "tax-payment" ], "count": 2 }, { "id": "hacienda→central-bank·lbtr", "from": "hacienda", "to": "central-bank", "rail": "lbtr", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "tax-payment" ], "count": 1 }, { "id": "hacienda→ddc-administrator·ddc", "from": "hacienda", "to": "ddc-administrator", "rail": "ddc", "declared": true, "status": "awaiting-the-bank", "scenarios": [], "count": 0 }, { "id": "initiation→banco-norte·bus", "from": "initiation", "to": "banco-norte", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "gateway-ecommerce-purchase", "initiation-against-an-epa", "initiation-with-consent" ], "count": 5 }, { "id": "initiation→central-bank·sgpi", "from": "initiation", "to": "central-bank", "rail": "sgpi", "declared": false, "status": "awaiting-the-bank", "scenarios": [ "initiation-against-an-epa", "initiation-with-consent" ], "count": 8 }, { "id": "initiation→epe-lab·bus", "from": "initiation", "to": "epe-lab", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "initiation-against-an-epa" ], "count": 1 }, { "id": "machine:atleos-01→edge:gateway·atm", "from": "machine:atleos-01", "to": "edge:gateway", "rail": "atm", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "machine:atleos-01→terminal:TERM-LAB-0001·atm", "from": "machine:atleos-01", "to": "terminal:TERM-LAB-0001", "rail": "atm", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "remesadora→atm-network·atm", "from": "remesadora", "to": "atm-network", "rail": "atm", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "remesadora→banco-del-sur·bus", "from": "remesadora", "to": "banco-del-sur", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "remittance-float-funding" ], "count": 2 }, { "id": "remesadora→cumplimiento·bus", "from": "remesadora", "to": "cumplimiento", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "remesadora→epe-lab·bus", "from": "remesadora", "to": "epe-lab", "rail": "bus", "declared": true, "status": "live", "scenarios": [ "chaos-remittance-payout", "remittance-float-funding", "remittance-inbound-payout" ], "count": 6 }, { "id": "seat:bcrd→cumplimiento·oversight", "from": "seat:bcrd", "to": "cumplimiento", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seat:bcrd→monitoring·oversight", "from": "seat:bcrd", "to": "monitoring", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seat:bcrd→supervisor-seguros·oversight", "from": "seat:bcrd", "to": "supervisor-seguros", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seat:bcrd→supervisor-valores·oversight", "from": "seat:bcrd", "to": "supervisor-valores", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seat:bcrd→supervisor·oversight", "from": "seat:bcrd", "to": "supervisor", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seat:bcrd→uaf·oversight", "from": "seat:bcrd", "to": "uaf", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seat:bcrd→vigilancia·oversight", "from": "seat:bcrd", "to": "vigilancia", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seat:sib→cumplimiento·oversight", "from": "seat:sib", "to": "cumplimiento", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seat:sib→monitoring·oversight", "from": "seat:sib", "to": "monitoring", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seat:sib→supervisor-seguros·oversight", "from": "seat:sib", "to": "supervisor-seguros", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seat:sib→supervisor-valores·oversight", "from": "seat:sib", "to": "supervisor-valores", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seat:sib→supervisor·oversight", "from": "seat:sib", "to": "supervisor", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seat:sib→uaf·oversight", "from": "seat:sib", "to": "uaf", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seat:sib→vigilancia·oversight", "from": "seat:sib", "to": "vigilancia", "rail": "oversight", "declared": true, "status": "planned", "scenarios": [], "count": 0 }, { "id": "seguridad-social→banco-del-sur·bus", "from": "seguridad-social", "to": "banco-del-sur", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "payroll-employer-file" ], "count": 2 }, { "id": "seguridad-social→banco-norte·bus", "from": "seguridad-social", "to": "banco-norte", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "payroll-employer-file" ], "count": 2 }, { "id": "seguridad-social→ddc-administrator·ddc", "from": "seguridad-social", "to": "ddc-administrator", "rail": "ddc", "declared": true, "status": "awaiting-the-bank", "scenarios": [], "count": 0 }, { "id": "sipa→banco-norte·sipa", "from": "sipa", "to": "banco-norte", "rail": "sipa", "declared": false, "status": "live", "scenarios": [ "sipa-regional-transfer" ], "count": 3 }, { "id": "sipa→central-bank·lbtr", "from": "sipa", "to": "central-bank", "rail": "lbtr", "declared": true, "status": "awaiting-the-bank", "scenarios": [], "count": 0 }, { "id": "sub-acquirer→acquirer·bus", "from": "sub-acquirer", "to": "acquirer", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "sub-acquirer→banco-norte·bus", "from": "sub-acquirer", "to": "banco-norte", "rail": "bus", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "supervisor-seguros→banco-norte·bus", "from": "supervisor-seguros", "to": "banco-norte", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "supervisor-inspection" ], "count": 1 }, { "id": "supervisor→banco-norte·bus", "from": "supervisor", "to": "banco-norte", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "supervisor-inspection" ], "count": 4 }, { "id": "supervisor→identity·bus", "from": "supervisor", "to": "identity", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "supervisor-inspection" ], "count": 1 }, { "id": "telco→banco-del-sur·bus", "from": "telco", "to": "banco-del-sur", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "accelerated-billing-cycles", "mobile-top-up-and-bill" ], "count": 7 }, { "id": "telco→banco-norte·bus", "from": "telco", "to": "banco-norte", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "accelerated-billing-cycles", "mobile-top-up-and-bill" ], "count": 2 }, { "id": "telco→ddc-administrator·ddc", "from": "telco", "to": "ddc-administrator", "rail": "ddc", "declared": true, "status": "awaiting-the-bank", "scenarios": [], "count": 0 }, { "id": "telco→epe-lab·bus", "from": "telco", "to": "epe-lab", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "mobile-top-up-and-bill" ], "count": 6 }, { "id": "terminal:TERM-LAB-0001→atm-network·atm", "from": "terminal:TERM-LAB-0001", "to": "atm-network", "rail": "atm", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "terminal:TERM-LAB-0001→edge:gateway·atm", "from": "terminal:TERM-LAB-0001", "to": "edge:gateway", "rail": "atm", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "terminal:TERM-LAB-0002→atm-network·atm", "from": "terminal:TERM-LAB-0002", "to": "atm-network", "rail": "atm", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "terminal:TERM-LAB-0002→edge:gateway·atm", "from": "terminal:TERM-LAB-0002", "to": "edge:gateway", "rail": "atm", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "terminal:TERM-LAB-0003→atm-network·atm", "from": "terminal:TERM-LAB-0003", "to": "atm-network", "rail": "atm", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "terminal:TERM-LAB-0003→edge:gateway·atm", "from": "terminal:TERM-LAB-0003", "to": "edge:gateway", "rail": "atm", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "terminal:TERM-LAB-0004→atm-network·atm", "from": "terminal:TERM-LAB-0004", "to": "atm-network", "rail": "atm", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "terminal:TERM-LAB-0004→edge:gateway·atm", "from": "terminal:TERM-LAB-0004", "to": "edge:gateway", "rail": "atm", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "uaf→cumplimiento·bus", "from": "uaf", "to": "cumplimiento", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "compliance-suspicious-report" ], "count": 2 }, { "id": "vigilancia→atm-network·atm", "from": "vigilancia", "to": "atm-network", "rail": "atm", "declared": true, "status": "live", "scenarios": [], "count": 0 }, { "id": "vigilancia→central-bank·lbtr", "from": "vigilancia", "to": "central-bank", "rail": "lbtr", "declared": true, "status": "awaiting-the-bank", "scenarios": [], "count": 0 }, { "id": "vigilancia→ddc-administrator·ddc", "from": "vigilancia", "to": "ddc-administrator", "rail": "ddc", "declared": true, "status": "awaiting-the-bank", "scenarios": [], "count": 0 }, { "id": "wallet→banco-norte·bus", "from": "wallet", "to": "banco-norte", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "gateway-ecommerce-purchase", "qr-purchase", "wallet-topup-and-p2p" ], "count": 3 }, { "id": "wallet→card-processor-a·cards", "from": "wallet", "to": "card-processor-a", "rail": "cards", "declared": true, "status": "live", "scenarios": [ "gateway-ecommerce-purchase" ], "count": 1 }, { "id": "wallet→ddc-administrator·ddc", "from": "wallet", "to": "ddc-administrator", "rail": "ddc", "declared": true, "status": "awaiting-the-bank", "scenarios": [], "count": 0 }, { "id": "wallet→epe-lab·bus", "from": "wallet", "to": "epe-lab", "rail": "bus", "declared": false, "status": "live", "scenarios": [ "wallet-topup-and-p2p" ], "count": 1 } ], "scenarios": [ { "id": "accelerated-billing-cycles", "title": "Three billing periods in about a second - the clock's accelerated mode, finally exercised", "process": "8 Business processes, and the clock. Three months of a postpaid line at the simulated operator - each period presented, paid over a direct-credit file whose cycle settles net in the LBTR, and separated from the next by a month of simulated time - run under the clock's `accelerated` mode, where a run consumes real time at one part in ten million of the time it simulates." }, { "id": "account-takeover", "title": "A device enrolled at midnight, a line that changed hands thirty hours before, and an account emptied by morning", "process": "6.14 Fraud and adversarial - account takeover: a credential and device change followed by drains to a beneficiary the account had never paid, corroborated by the mobile operator's own answer about when the number changed hands" }, { "id": "adversarial-detection", "title": "A mule ring, a card-testing run, and a monitoring unit that is scored on both", "process": "6.14 Fraud and adversarial - mule networks and card testing in the synthetic population, with a run that scores the detection" }, { "id": "atm-cardholder-withdrawal", "title": "Cardholder withdrawal and deposit at a machine of another institution", "process": "6.3 Cards / 6.4 ATM-ITM - withdrawal at a machine through the simulated network administrator, deposit with recognition, and settlement of the network's net result in the LBTR (Art. 79)" }, { "id": "atm-cardless-withdrawal", "title": "Cardless withdrawal started on the phone and finished at the machine", "process": "6.4 ATM-ITM phygital - cardless withdrawal started on the phone and finished on the machine, and a remittance paid out in cash at the machine" }, { "id": "bureau-disagreement", "title": "Two bureaus, one applicant, two different answers - and a decision that has to say so", "process": "8 Business processes - the second credit bureau of Phase 3. A lender consults both bureaus for one credit decision; the incumbent scores the applicant out of the depth of her file and the challenger out of her recent behaviour, they disagree by more than the margin the institution states, and the decision records both answers and the discrepancy between them." }, { "id": "card-chargeback", "title": "A chargeback, and the representment that answers it", "process": "6.3 Cards - the chargeback lifecycle from the cardholder's dispute to the case decided, with each stage cleared in a cycle" }, { "id": "card-clearing-settlement", "title": "A day of card business, cleared and settled net in the LBTR, and reconciled", "process": "6.3 Cards - a full clearing and settlement cycle across two schemes and two acceptors, ending in the LBTR (Art. 79) with the cross-actor reconciliation" }, { "id": "card-ecommerce-3ds", "title": "A remote purchase, with the authentication that passes and the one that does not", "process": "6.3 Cards - e-commerce authorization with 3-D Secure, the outcome carried to the issuer, and the issuer deciding on it" }, { "id": "card-pos-purchase", "title": "A card purchase at a shop counter, off-us and on-us", "process": "6.3 Cards - POS authorization routed to the scheme that carries the BIN, capture, clearing and settlement of the net result in the LBTR (Art. 79), and the acceptor paid its proceeds" }, { "id": "card-refund", "title": "A refund, which is not a reversal", "process": "6.3 Cards - a refund on a settled purchase, cleared in the next cycle and reaching the cardholder whole" }, { "id": "card-testing-attack", "title": "A card tested to destruction at two in the morning, and the unit that notices", "process": "6.14 Fraud and adversarial - a card-testing run through an e-commerce acceptor, detected by the monitoring unit out of the refusals, and scored against the Lab's ground truth" }, { "id": "card-tokenized-wallet", "title": "A prepaid card in a wallet, paid with a network token", "process": "6.3 Cards - a card tokenized into a wallet, a remote purchase made with the token, and the Art. 78 numeral II ceiling the prepaid card is held to" }, { "id": "chaos-card-cycle", "title": "An incident during a card cycle", "process": "6.13 Incident and resilience - an issuer stops answering, a message is corrupted, an acknowledgement is late; 6.3 Cards" }, { "id": "chaos-cheque-settlement", "title": "An incident during cheque settlement", "process": "6.13 Incident and resilience - an administrator goes down mid-cycle, the LBTR queue stalls, a reconciliation breaks; 6.7 Cheques" }, { "id": "chaos-remittance-payout", "title": "An incident on the remittance lane", "process": "6.13 Incident and resilience - a service answers late and a rate feed goes stale; 6.10 Remittances and regional - an inbound remittance screened, bought against pesos and credited in pesos at the rate of the origin." }, { "id": "chaos-sgpi-burst", "title": "An incident during a burst of instant payments", "process": "6.13 Incident and resilience - the LBTR queue stalls, a message is corrupted, an acknowledgement is late; 6.2 Electronic funds transfers - SGPI" }, { "id": "charge-to-beneficiary-must-fail", "title": "A bank that charges the beneficiary must fail", "process": "6.2 Electronic funds transfers - variant: beneficiary charged (must fail, Art. 81)" }, { "id": "cheque-business-chequebook", "title": "A business chequebook, two collecting participants, one cycle", "process": "6.7 Cheques - a chequebook drawn on a business account, deposited at two different participants, cleared in one cycle and settled net in the LBTR" }, { "id": "cheque-cycle-after-sgpi", "title": "A cheque clearing cycle settling behind the results of the SGPI", "process": "6.7 Cheques - net settlement of the cycle; 6.2 Electronic funds transfers - SGPI" }, { "id": "cheque-deposit-and-clear", "title": "A cheque deposited, truncated, cleared and settled net", "process": "6.7 Cheques - issuance to the structure, digitization and truncation, image exchange in the simulated SCC, net settlement, return" }, { "id": "compliance-cash-report", "title": "A cash-transaction report, and a threshold that is the Lab's and says so", "process": "6.11 Compliance and records - cash-transaction reports to the simulated UAF over the Art. 41-42 record" }, { "id": "compliance-suspicious-report", "title": "Screening, a case, a report to the simulated UAF, and an acknowledgement that comes back", "process": "6.11 Compliance and records - sanctions and PEP screening, transaction monitoring, case management, suspicious-transaction reports to the simulated UAF, and the Art. 41-42 record" }, { "id": "direct-credit-with-return", "title": "Payroll by direct credit, with one item returned", "process": "6.2 Electronic funds transfers - direct credit through the simulated administrator with returns; 6.12 Business - payroll" }, { "id": "exchange-agent-fx", "title": "An exchange agent - a bank buys dollars in the LBTR, and two people change notes at the counter", "process": "6.10 Remittances and regional, the exchange half - the `agente de cambio` proper: a direct participant with current accounts in pesos, dollars and euros at the simulated Central Bank, stating a two-sided rate, selling dollars to a bank with both legs settled gross in the LBTR (Art. 56), and changing notes at its counter with the client identified and screened above a Lab threshold and not below it." }, { "id": "gateway-ecommerce-purchase", "title": "A gateway that routes and reports, and never once holds the money", "process": "6.3 Cards and 6.5 QR and initiation - a payment-gateway provider (Art. 4 eee) facilitating the processing of an e-commerce purchase for an affiliated merchant: the card lane to the acquirer with a tokenized card taken from a wallet, and the account-to-account lane to a payment-initiation provider under a consent the payer's own bank granted." }, { "id": "initiation-against-an-epa", "title": "Payment initiation against an electronic payment account", "process": "6.5 QR and initiation - a payment-initiation provider obtaining verifiable consent from an ELECTRONIC-PAYMENT ENTITY and initiating an order on an electronic payment account without ever holding the funds (Art. 4 mm; Art. 20; Arts. 38-40)." }, { "id": "initiation-with-consent", "title": "An initiator that never touches the money, and a consent only the bank can settle", "process": "6.5 QR and initiation - a payment-initiation provider obtaining verifiable consent through the account-servicing institution's own secure interface and initiating an order on the holder's account without ever holding the funds (Art. 4 mm; Arts. 38-40)." }, { "id": "insurance-embedded-on-a-transfer", "title": "Cover offered on a transfer - priced on the movement, accepted explicitly, or not bound at all", "process": "6.9 Insurance - embedded insurance hooks: cover offered on a transfer, priced in basis points of that movement's own amount under a stated ceiling, bound only on an explicit acceptance, and its premium collected by direct debit while the host transfer runs over the simulated SGPI." }, { "id": "insurance-quote-bind-claim", "title": "A policy sold through a broker - quoted, bound, the premium taken by direct debit, and a claim paid", "process": "6.9 Insurance - a quote compared across the insurers a digital broker represents, a policy bound with the premium collected by direct debit through the DD/DC administrator, a claim opened with documents and assessed against what the product asks for, and the payout made into the account of the insured over the simulated SGPI." }, { "id": "internal-transfer", "title": "Internal transfer between two accounts at one bank", "process": "6.2 Electronic funds transfers - internal" }, { "id": "lbtr-foreign-currency", "title": "High-value settlement in dollars and in euros", "process": "6.2 Electronic funds transfers - high-value through the LBTR in foreign currency (Art. 56: national and foreign currency)" }, { "id": "lbtr-high-value", "title": "High-value transfer through the LBTR, with a queue and a revocation", "process": "6.2 Electronic funds transfers - high value through the LBTR with the four-minute third-party credit and irrevocability once settled" }, { "id": "mobile-top-up-and-bill", "title": "A prepaid top-up and a postpaid bill - the two operations Art. 20 names and nothing had exercised", "process": "8 Business processes - a mobile operator as a BILLER. A prepaid top-up paid out of an electronic payment account and a postpaid bill presented, then paid by a direct-credit file whose cycle settles net in the LBTR. The operator confirms who holds a number and answers nothing else." }, { "id": "onboarding-account-opening", "title": "Onboarding and account opening at two banks with different appetites", "process": "6.1 Onboarding and account opening - identity, bureau, risk scoring, account or e-payment account creation (Art. 19), first funding" }, { "id": "pagos-al-instante-dollars", "title": "A dollar transfer through Pagos al Instante, converted by the originating bank", "process": "6.2 Electronic funds transfers - Pagos al Instante BCRD in dollars: no correspondent, and conversion by the originating institution when the beneficiary account is in another currency" }, { "id": "pagos-al-instante", "title": "Pagos al Instante BCRD - eight minutes, and the window that closes at four", "process": "6.2 Electronic funds transfers - Pagos al Instante BCRD with the eight-minute credit, the 07:00-23:00 window, and the deferral to 08:00 on the next business day" }, { "id": "payroll-employer-file", "title": "A payroll, end to end - salaries credited, contributions collected, tax withheld and paid", "process": "8 Business processes - one employer's month. A direct-credit file credits the employees' accounts with their net pay, the social-security treasury assesses and collects the two contributions the same payroll produced, and the tax authority is handed a bulk withholding file and is paid on it. Four systems, one period, one set of numbers that has to agree at the end." }, { "id": "qr-purchase", "title": "The merchant shows a QR, the wallet reads it, and the money goes where the payload said", "process": "6.5 QR and initiation - a merchant-presented QR code carrying the data needed to initiate a payment order (Art. 78 numeral IV), presented by a payment-gateway provider for its merchant, read by a digital-wallet provider, settled over the simulated SGPI between the two institutions, and reported back to the gateway." }, { "id": "remittance-float-funding", "title": "Where the pesos come from - a remittance agent funds its payout float, and pays out of it", "process": "6.10 Remittances and regional - the agent's own peso payout float: funded out of an account it holds at a Lab bank, through that bank's own door, settling participant to participant in the LBTR; and then a remittance from abroad screened, bought against pesos and paid to the beneficiary out of the float that funding created." }, { "id": "remittance-inbound-payout", "title": "A remittance from abroad - screened, exchanged, and paid in pesos three different ways", "process": "6.10 Remittances and regional - an inbound remittance in dollars from a foreign operator, screened on both parties, bought against pesos at the agent's own stated rate and recorded as a purchase of foreign currency, and credited to an electronic payment account in Dominican pesos (Art. 20 numeral I), taken in cash at a machine, or paid at one of the agent's own counters." }, { "id": "sgpi-instant-alias", "title": "SGPI instant payment addressed by alias", "process": "6.2 Electronic funds transfers - SGPI with the ten-second credit, alias resolution and 24/7/365" }, { "id": "sgpi-under-sla-profiles", "title": "The same SGPI payment, run under three systems' published rules", "process": "6.2 Electronic funds transfers - the SGPI instant payment, judged under an SLA profile instead of the Dominican catalogue" }, { "id": "sipa-regional-transfer", "title": "A regional transfer to Guatemala in dollars - inside the window, and outside it", "process": "6.10 Remittances and regional - an outgoing SIPA transfer in United States dollars, inside the weekday 07:00-17:00 Dominican-time window and at the US$5 the originating client bears, settled into the counterpart's dollar current account at the simulated Central Bank through the LBTR." }, { "id": "social-engineering", "title": "Six payments the holder made herself, to an account that had never been credited by anybody", "process": "6.14 Fraud and adversarial - social engineering: a victim talked into authorizing instalments to a fresh beneficiary, the mule cash-out that follows, and the report filed with the simulated UAF" }, { "id": "supervisor-inspection", "title": "Three supervisors, an inspection answered from the participant's own books, and the vigilancia looking on", "process": "6.11 Compliance and records - regulatory reports to the simulated supervisor and the ten-year record with full access (Art. 41-42, 44); plan section 3.6 vigilancia (Arts. 45-51)" }, { "id": "synthetic-identity", "title": "An identity assembled from fragments that each pass, and only disagree when they are put side by side", "process": "6.14 Fraud and adversarial - synthetic identity: an identity built out of real-looking fragments that no single door refuses, found by cross-checking the registry, the bureaus and the mobile operator against each other" }, { "id": "tax-payment", "title": "A tax payment - small by direct credit, large in the LBTR because the instructivo says so", "process": "8 Business processes - a taxpayer's obligations at the simulated tax authority. A periodic declaration paid by a direct-credit file whose cycle settles net in the LBTR, and an annual settlement above the high-value threshold that must settle in the LBTR itself (IN-36-005 numeral 69) - with a receipt for each and nothing discharged on an instruction." }, { "id": "wallet-topup-and-p2p", "title": "A wallet that holds nothing - top-up at a colmado, and a payment between two wallets", "process": "6.5 QR and initiation, and 6.6 agents and cash - a digital-wallet provider (Art. 4 ggg; plan section 3.3) linking an account and an electronic payment account, funding the electronic payment account at an agente de pago electronico (Arts. 26-27), and moving value between two wallets over the simulated SGPI - without ever holding a balance itself." } ], "aliases": { "banco-cobrador": "banco-norte", "banco-litoral": "banco-norte", "credit-bureau-c": "credit-bureau", "epe": "epe-lab", "red-azul": "card-processor-a" }, "provisional": [ { "rail": "ddc", "assumptions": [ "A-01", "A-04" ], "rules": [ "DDC.CYCLE_ON_BUSINESS_DAY", "DDC.RETURN_CARRIES_REASON_CODE" ], "questions": [ "A-01 - Dominican local time is UTC-4 with no daylight saving, and the holiday list is configuration", "A-04 - The direct debit / direct credit return reason codes are a Lab convention" ] }, { "rail": "lbtr", "assumptions": [ "A-11" ], "rules": [ "LBTR.THIRD_PARTY_CREDIT" ], "questions": [ "A-11 - Where the Art. 57 four-minute clock starts" ] }, { "rail": "pai", "assumptions": [ "A-01", "A-10" ], "rules": [ "PAI.CLAIM_RESPONSE_OPERATIONAL", "PAI.DEFERRED_TO_NEXT_BUSINESS_DAY", "PAI.FEE_REVERSED_ON_MISSED_DEADLINE", "PAI.FINAL_CREDIT" ], "questions": [ "A-01 - Dominican local time is UTC-4 with no daylight saving, and the holiday list is configuration", "A-10 - Where the Pagos al Instante eight-minute clock starts, and what happens outside the window" ] }, { "rail": "scc", "assumptions": [ "A-01" ], "rules": [ "SCC.CYCLE_ON_BUSINESS_DAY" ], "questions": [ "A-01 - Dominican local time is UTC-4 with no daylight saving, and the holiday list is configuration" ] }, { "rail": "sgpi", "assumptions": [ "A-09", "A-13" ], "rules": [ "SGPI.FINAL_CREDIT", "SGPI.MANDATORY_PARTICIPATION" ], "questions": [ "A-09 - Where the SGPI ten-second clock starts and stops", "A-13 - Which roles are mandatory SGPI participants" ] } ], "size": { "width": 1722, "height": 846 }, "bands": [ { "layer": "communication-networks", "y": 20, "height": 110, "count": 8 }, { "layer": "entities", "y": 156, "height": 186, "count": 13 }, { "layer": "instruments", "y": 368, "height": 110, "count": 6 }, { "layer": "support-entities", "y": 504, "height": 110, "count": 6 }, { "layer": "laws-and-rules", "y": 640, "height": 186, "count": 10 } ], "counts": { "nodes": 43, "actors": 33, "systems": 8, "edges": 115, "scenarios": 49, "byLayer": { "communication-networks": 8, "entities": 13, "instruments": 6, "support-entities": 6, "laws-and-rules": 10 }, "byStatus": { "live": 40, "planned": 3, "awaiting-the-bank": 0 }, "edgesByStatus": { "live": 73, "planned": 16, "awaiting-the-bank": 26 } } }