{ "schema": "varexis-public-evidence-record/0.3", "generated_at_utc": "2026-10-29T21:43:00.943093Z", "record_id": "VXI-EXT-ICE06-WISE-CANCELLED-REFUNDED-STATE-DISTINCTION-01-v1", "record_kind": "external_reference", "title": "Wise cancelled refunded state distinction", "system": "Wise", "evidence_family": "vendor_evidence_review", "index_status": "PUBLIC_SAFE_SOURCE_REVIEW", "evidence_state": "PRIMARY_DOCUMENTATION_REVIEW_ONLY", "canonical_question": "Does Wise cancelled identify the same financial outcome as funds_refunded?", "near_questions": [ "Wise cancelled versus funds refunded", "unfunded transfer cancellation financial evidence", "Wise funded cancellation refund state", "transfer cancellation ledger reconciliation" ], "supported_claims": [ { "claim": "Wise distinguishes funds_refunded from cancelled. The status table describes cancelled as final for an unfunded transfer, but the same documentation also shows a funded returned-payment flow passing through processing and cancelled before funds_refunded, and permits rollback transitions. A cancelled label alone therefore establishes neither absence of funding nor completion of a refund. Reconcile the state timeline, funding and provider refund evidence.", "reliance": "DOCUMENTED_CAPABILITY_ONLY" } ], "not_demonstrated_claims": [ "Do not infer that cancelled means never funded or already refunded. Reconcile transfer history and refund evidence; a provider status is not independent proof of receipt at the sender bank.", "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 distinguishes funds_refunded from cancelled. The status table describes cancelled as final for an unfunded transfer, but the same documentation also shows a funded returned-payment flow passing through processing and cancelled before funds_refunded, and permits rollback transitions. A cancelled label alone therefore establishes neither absence of funding nor completion of a refund. Reconcile the state timeline, funding and provider refund evidence.", "related_record_ids": [], "source_review": { "source_type": "official_external_documentation", "source_title": "Wise: Transfer statuses", "source_url": "https://docs.wise.com/guides/product/send-money/tracking/transfer-statuses", "checked_on": "2026-10-29", "candidate_record_id": "VXI-EXT-ICE06-WISE-CANCELLED-REFUNDED-STATE-DISTINCTION-01-v1", "candidate_record_sha256": "bae749637940056a47f1399b41667389dd636fe9fbe687d73b4eca1640c19df3", "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 distinguishes funds_refunded from cancelled. The status table describes cancelled as final for an unfunded transfer, but the same documentation also shows a funded returned-payment flow passing through processing and cancelled before funds_refunded, and permits rollback transitions. A cancelled label alone therefore establishes neither absence of funding nor completion of a refund. Reconcile the state timeline, funding and provider refund evidence.", "required_buyer_context": "transfer API state; funding history; cancellation outcome; refund reference where applicable. 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 Wise cancelled identify the same financial outcome as funds_refunded?", "documented_statement": { "status": "documented", "statement": "Wise distinguishes funds_refunded from cancelled. The status table describes cancelled as final for an unfunded transfer, but the same documentation also shows a funded returned-payment flow passing through processing and cancelled before funds_refunded, and permits rollback transitions. A cancelled label alone therefore establishes neither absence of funding nor completion of a refund. Reconcile the state timeline, funding and provider refund evidence.", "source_ids": [ "wise-states" ] }, "review_inference": { "status": "review_inference", "statement": "A recovery system normalises all abandoned transfers to cancelled. Its ledger can omit a funding-and-refund cycle. Adds Wise's distinct cancellation/refund states, not retry identity. This is an operational review inference, not an observed deployment outcome.", "source_ids": [ "wise-states" ] }, "buyer_evidence_required": [ "transfer API state", "funding history", "cancellation outcome", "refund reference where applicable" ], "review_condition": { "status": "varexis_review_policy", "statement": "Do not infer that cancelled means never funded or already refunded. Reconcile transfer history and refund evidence; a provider status is not independent proof of receipt at the sender bank." }, "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-states", "url": "https://docs.wise.com/guides/product/send-money/tracking/transfer-statuses", "final_url": "https://docs.wise.com/guides/product/send-money/tracking/transfer-statuses", "captured_at_utc": "2026-10-29T19:03:37.358104+00:00", "status": 200, "content_type": "text/html; charset=UTF-8", "bytes": 1156222, "sha256": "70de41f570071c64249751880742a2ae11d39cc6fd57d57e5377f8ff168d57f2", "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 2026-10-29T19:03:37.358104+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 statuses", "checked_on": "2026-10-29", "capture_status": 200, "claim_review_completed": true, "hash_basis": "SHA-256 of captured HTTP response body bytes", "reviewed_sections": [ "Transfer status flow", "incoming_payment_initiated", "funds_refunded" ] } ], "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": "A recovery system normalises all abandoned transfers to cancelled. Its ledger can omit a funding-and-refund cycle.", "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": "funds_refunded" }, "buyer_relevance": "A recovery system normalises all abandoned transfers to cancelled. Its ledger can omit a funding-and-refund cycle.", "refusal_conditions": [ "Do not infer that cancelled means never funded or already refunded. Reconcile transfer history and refund evidence; a provider status is not independent proof of receipt at the sender bank.", "Do not infer deployment conformance, authority or successful outcomes from source documentation." ], "decision_context": { "operator": "Payment and procurement reconciliation operator", "scenario": "A recovery system normalises all abandoned transfers to cancelled.", "consequence": "Its ledger can omit a funding-and-refund cycle.", "confidence": "Primary documentation assertion supported; deployment applicability unverified" }, "novelty_review": { "candidate_id": "ICE06-97047A5FAF02", "disposition": "EXTENSION", "nearest_record_id": "VXI-EXT-PROCUREMENT-PAYPAL-REQUEST-ID-LATEST-STATUS-RECOVERY-01-v1", "nearest_record_url": "/varexis-index/records/paypal-request-id-latest-status-recovery.json", "nearest_record_sha256": "1fdb24c04285df821a32b26229c73be1368a265f74fd850f36ca2dd7b7a8d0e9", "material_distinction": "Adds Wise's distinct cancellation/refund states, not retry identity.", "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-CANCELLED-REFUNDED-STATE-DISTINCTION-01-v1" }, "record_url": "/varexis-index/records/wise-cancelled-refunded-state-distinction.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": "A recovery system normalises all abandoned transfers to cancelled. Its ledger can omit a funding-and-refund cycle.", "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-cancelled-refunded-state-distinction", "machine_readable_record": "/varexis-index/records/wise-cancelled-refunded-state-distinction.json" }