{ "schema": "varexis-index-free-publication-preview/1", "catalogue_version": "ice-06-tranche-62-v1", "route_id": "agentic_reviewed_wise_quote_recipient_context_binding", "record_id": "VXI-EXT-ICE06-WISE-QUOTE-RECIPIENT-CONTEXT-BINDING-01-v1", "question": "Does a valid Wise quote alone authorise a transfer to a changed recipient?", "answer": "Wise documents quote.targetaccount.mismatching when quote and target recipient do not match, and requires the quote and recipient to belong to the same profile and transfer context. A missing target account must also be resolved before accepting the quote. These API checks do not verify the buyer's approval of a bank-detail change.", "records": [ { "record_id": "VXI-EXT-ICE06-WISE-QUOTE-RECIPIENT-CONTEXT-BINDING-01-v1", "url": "/varexis-index/records/wise-quote-recipient-context-binding.json", "content_sha256": "c41724596a31555ff7c70432fb25daaf5211fb32e1a3981b3f15b708e862d504", "evidence": { "schema": "varexis-public-evidence-record/0.3", "generated_at_utc": "2026-10-29T21:43:00.943093Z", "record_id": "VXI-EXT-ICE06-WISE-QUOTE-RECIPIENT-CONTEXT-BINDING-01-v1", "record_kind": "external_reference", "title": "Wise quote recipient context binding", "system": "Wise", "evidence_family": "vendor_evidence_review", "index_status": "PUBLIC_SAFE_SOURCE_REVIEW", "evidence_state": "PRIMARY_DOCUMENTATION_REVIEW_ONLY", "canonical_question": "Does a valid Wise quote alone authorise a transfer to a changed recipient?", "near_questions": [ "Wise quote target account mismatching", "quote recipient profile transfer binding", "changed bank details Wise approval evidence", "valid quote not payee authorisation" ], "supported_claims": [ { "claim": "Wise documents quote.targetaccount.mismatching when quote and target recipient do not match, and requires the quote and recipient to belong to the same profile and transfer context. A missing target account must also be resolved before accepting the quote. These API checks do not verify the buyer's approval of a bank-detail change.", "reliance": "DOCUMENTED_CAPABILITY_ONLY" } ], "not_demonstrated_claims": [ "Do not infer payee-change approval or bank-account ownership from API acceptance; bind final recipient details to the original authority.", "Buyer implementation, live runtime enforcement, settled payment, verified deletion or certification are not established.", "No expanded capabilities or licences for existing INDEX executables." ], "public_summary": "Wise documents quote.targetaccount.mismatching when quote and target recipient do not match, and requires the quote and recipient to belong to the same profile and transfer context. A missing target account must also be resolved before accepting the quote. These API checks do not verify the buyer's approval of a bank-detail change.", "related_record_ids": [], "source_review": { "source_type": "official_external_documentation", "source_title": "Wise: Transfer error handling", "source_url": "https://docs.wise.com/guides/developer/errors/transfers", "checked_on": "2026-10-29", "candidate_record_id": "VXI-EXT-ICE06-WISE-QUOTE-RECIPIENT-CONTEXT-BINDING-01-v1", "candidate_record_sha256": "a9d492621139176b40c5ece94f7f1df660643eca67a41da1229175a0218913dc", "method": "Primary documentation reviewed for the published bounded statement.", "deployment_tested_by_varexis": false, "revalidation": "The delivered snapshot preserves the review date shown. Recheck current primary documentation and deployment context before relying on present applicability; payment does not trigger fresh research." }, "answer_policy": { "classification": "DOCUMENTED_WITH_DEPLOYMENT_BOUNDARY", "bounded_answer": "Wise documents quote.targetaccount.mismatching when quote and target recipient do not match, and requires the quote and recipient to belong to the same profile and transfer context. A missing target account must also be resolved before accepting the quote. These API checks do not verify the buyer's approval of a bank-detail change.", "required_buyer_context": "quote and recipient IDs; owning profile; final target account; approved payee details; transfer requirements. Buyer deployment not inspected.", "missing_evidence": "A broader claim needs evidence matching the intended use. Payment does not upgrade the evidence state." }, "private_boundary": "Raw logs, thresholds, private paths, source code, protected mechanisms and reconstruction-level details are excluded from public and paid delivery.", "decision_profile": { "schema": "varexis-vendor-evidence-review/1", "review_status": "documentation_review_only", "checked_on": "2026-10-29", "claim_to_check": "Does a valid Wise quote alone authorise a transfer to a changed recipient?", "documented_statement": { "status": "documented", "statement": "Wise documents quote.targetaccount.mismatching when quote and target recipient do not match, and requires the quote and recipient to belong to the same profile and transfer context. A missing target account must also be resolved before accepting the quote. These API checks do not verify the buyer's approval of a bank-detail change.", "source_ids": [ "wise-errors" ] }, "review_inference": { "status": "review_inference", "statement": "Supplier bank details change between quote preparation and transfer creation. A technically accepted transfer may still target an unapproved payee. Adds provider quote/recipient-context consistency while explicitly leaving business approval unproved. This is an operational review inference, not an observed deployment outcome.", "source_ids": [ "wise-errors" ] }, "buyer_evidence_required": [ "quote and recipient IDs", "owning profile", "final target account", "approved payee details", "transfer requirements" ], "review_condition": { "status": "varexis_review_policy", "statement": "Do not infer payee-change approval or bank-account ownership from API acceptance; bind final recipient details to the original authority." }, "unknowns": "The buyer implementation, effective authority, source-data completeness and actual business outcomes were not inspected.", "unknown_finding": { "status": "unknown", "statement": "No buyer deployment or transaction was observed." }, "evidence_sources": [ { "source_id": "wise-errors", "url": "https://docs.wise.com/guides/developer/errors/transfers", "final_url": "https://docs.wise.com/guides/developer/errors/transfers", "captured_at_utc": "2026-10-29T19:22:33.781078+00:00", "status": 200, "content_type": "text/html; charset=UTF-8", "bytes": 1352001, "sha256": "409e804e4f081341e3b20580c606c7945df5b04f74571b722bb6623ae553634a", "publisher": "Wise", "version_context": "Rolling official documentation; applicability is limited to the exact captured response and its stated service, API and feature constraints. Recheck present support before current reliance. Source captured 2026-10-29T19:22:33.781078+00:00.", "rights_review": "Public original factual paraphrase and attributed source metadata only. Captured documentation bodies, code examples, images and vendor marks remain private. No vendor software licence, certification or buyer deployment assurance is granted.", "capture_integrity_verified": true, "source_assertion_reviewed": true, "title": "Wise: Transfer error handling", "checked_on": "2026-10-29", "capture_status": 200, "claim_review_completed": true, "hash_basis": "SHA-256 of captured HTTP response body bytes", "reviewed_sections": [ "customerTransactionId", "quote.targetaccount.mismatching", "validation.failure.originator.externalId.not.allowed" ] } ], "observed_deployment": false, "commercial_reliance_boundary": "Documentation supports only the stated boundary. Existing licensed checkers analyse supported supplied declarations locally; they do not inspect provider accounts, verify live behaviour, enforce decisions or certify compliance.", "paid_value": { "decision_context": "Supplier bank details change between quote preparation and transfer creation. A technically accepted transfer may still target an unapproved payee.", "free": "Complete source review, questions, provenance and limitations; free to read and save locally.", "single_request": "Unavailable for this publication-only record; historical saved retrieval is unchanged.", "evidence_receipt": "Unavailable for this publication-only record; no paid retrieval entitlement is added.", "excluded": [ "Fresh source research", "Native provider integration or schema support", "Live inspection or runtime enforcement", "Payment settlement or verified deletion", "Certification or expanded licences" ], "integrity": "Hashes identify content versions; they do not prove factual truth or provide a signature." }, "revalidation": { "trigger": "Recheck current primary documentation and the applicable API, service, account and configuration before reliance. No ongoing monitoring is included.", "specific_watch": "quote.targetaccount.mismatching" }, "buyer_relevance": "Supplier bank details change between quote preparation and transfer creation. A technically accepted transfer may still target an unapproved payee.", "refusal_conditions": [ "Do not infer payee-change approval or bank-account ownership from API acceptance; bind final recipient details to the original authority.", "Do not infer deployment conformance, authority or successful outcomes from source documentation." ], "decision_context": { "operator": "Payment and procurement reconciliation operator", "scenario": "Supplier bank details change between quote preparation and transfer creation.", "consequence": "A technically accepted transfer may still target an unapproved payee.", "confidence": "Primary documentation assertion supported; deployment applicability unverified" }, "novelty_review": { "candidate_id": "ICE06-83C7CF53E41A", "disposition": "EXTENSION", "nearest_record_id": "VXI-EXT-PROCUREMENT-PAYPAL-ORDER-AMENDMENT-AFTER-PAYER-APPROVAL-01-v1", "nearest_record_url": "/varexis-index/records/paypal-order-amendment-after-payer-approval.json", "nearest_record_sha256": "826dc161152ebab51d37936f413d708a6502d3cab305b9ad53f43cbba54f4a30", "material_distinction": "Adds provider quote/recipient-context consistency while explicitly leaving business approval unproved.", "independent_challenge": "PASS" }, "optional_selection": { "guide_id": "autonomous-payment-transaction-integrity", "guide_url": "/index-guides/autonomous-payment-transaction-integrity", "guide_manifest": "/varexis-index/decision-guides.json", "checker": { "product_id": "agent-transaction-integrity", "price_gbp_excluding_vat": 149, "purchase_url": "/index-access?route=agentic_pack_transaction_integrity_v1", "licence_scope": "Existing separate internal-use licence; subscriptions do not include the executable.", "benefit": "Optional local analysis of supported supplied declarations only; no native provider integration or verification is added." }, "boundary": "Optional adjacent workflow only. This review does not extend a checker input schema or implement native provider validation. Preserve the six canonical guides unchanged." }, "exact_access": { "endpoint": "/mcp/catalogue", "tool": "get_publication_record", "arguments": { "record_id": "VXI-EXT-ICE06-WISE-QUOTE-RECIPIENT-CONTEXT-BINDING-01-v1" }, "record_url": "/varexis-index/records/wise-quote-recipient-context-binding.json", "original_mcp_search": false, "paid_saved_retrieval": false } }, "niche": { "niche_id": "ice06-payments", "label": "Agent Payments, Authority & Transaction Evidence", "classification_id": "payments", "classification_label": "Agent Payments, Authority & Transaction Evidence", "topic_id": "payments", "buyer_intent": "Supplier bank details change between quote preparation and transfer creation. A technically accepted transfer may still target an unapproved payee.", "comparison_role": "supplementary_discovery" }, "paid_access_note": "The full published answer and boundaries are free. Paid access saves the selected route and source versions, with an unsigned receipt when purchased. Preview coverage before paying. Fresh research, bespoke assessment and protected evidence are excluded.", "service_route": { "request_guide": "/varexis-index/request.html", "request_workflow": "/varexis-index/request-workflow.json", "service_id": "single_request", "service_routes_url": "/varexis-index/service-routes.json", "payment_required": true, "availability_endpoint": "/api/index/capabilities", "operational_status": "AUTOMATIC_SERVICE_CAPABILITIES_GATED", "checkout_url": "/index-access" }, "authority_boundary": "VAREXIS-INDEX informs evidence reliance. It does not provide advice, certification, deployment authority, security assurance, production approval, or guarantee.", "human_page": "/varexis-index/catalog.html#wise-quote-recipient-context-binding", "machine_readable_record": "/varexis-index/records/wise-quote-recipient-context-binding.json" } } ], "access": { "mode": "exact_http_only", "payment_required": false, "purchase_url": null, "mcp_preview_available": false, "paid_saved_retrieval_available": false, "natural_language_search_qualified": false }, "boundary": "Catalogue additions are available free through the exact HTTP JSON links below. Enhanced natural-language discovery is not yet qualified for these records. They are outside MCP search, MCP preview and paid saved retrieval. No search qualification, executable capability or entitlement is added.", "content_sha256": "db3ad3fcf387a0e8c3bccb47f6acc6f8689dd39c2f41a20bffb4c6b9f610170f" }