{ "schema": "varexis-public-evidence-record/0.3", "generated_at_utc": "2026-10-29T21:43:00.943093Z", "record_id": "VXI-EXT-ICE06-WISE-FUNDING-INITIATION-VERSUS-RECEIPT-01-v1", "record_kind": "external_reference", "title": "Wise funding initiation versus receipt", "system": "Wise", "evidence_family": "vendor_evidence_review", "index_status": "PUBLIC_SAFE_SOURCE_REVIEW", "evidence_state": "PRIMARY_DOCUMENTATION_REVIEW_ONLY", "canonical_question": "Does a Wise transfer in incoming_payment_initiated establish received funding?", "near_questions": [ "Wise incoming payment initiated funds not received", "Wise processing state funding evidence", "transfer creation versus pay in received", "submitted Wise transfer not funded" ], "supported_claims": [ { "claim": "Wise describes incoming_payment_initiated as funding started but not yet received. The processing state indicates Wise has received funds and is performing its processing activities; it does not itself establish payout. Transfer submission, funding receipt and recipient outcome require distinct evidence.", "reliance": "DOCUMENTED_CAPABILITY_ONLY" } ], "not_demonstrated_claims": [ "Refuse funded or recipient-paid claims based on a submitted or initiated transfer; do not interpret processing as completed payout.", "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 describes incoming_payment_initiated as funding started but not yet received. The processing state indicates Wise has received funds and is performing its processing activities; it does not itself establish payout. Transfer submission, funding receipt and recipient outcome require distinct 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-FUNDING-INITIATION-VERSUS-RECEIPT-01-v1", "candidate_record_sha256": "79473576842fc76360e8378cf256ec001e3b94ec6b9d9e9cf4c2685084ee0d8d", "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 describes incoming_payment_initiated as funding started but not yet received. The processing state indicates Wise has received funds and is performing its processing activities; it does not itself establish payout. Transfer submission, funding receipt and recipient outcome require distinct evidence.", "required_buyer_context": "transfer ID; funding method and reference; state transitions; received-funds and payout evidence. 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 Wise transfer in incoming_payment_initiated establish received funding?", "documented_statement": { "status": "documented", "statement": "Wise describes incoming_payment_initiated as funding started but not yet received. The processing state indicates Wise has received funds and is performing its processing activities; it does not itself establish payout. Transfer submission, funding receipt and recipient outcome require distinct evidence.", "source_ids": [ "wise-states" ] }, "review_inference": { "status": "review_inference", "statement": "An agent reports a purchase funded immediately after initiating its transfer. Fulfilment may proceed before the required funding has arrived. Separates Wise pay-in receipt from transfer creation, unlike card authorisation/capture. This is an operational review inference, not an observed deployment outcome.", "source_ids": [ "wise-states" ] }, "buyer_evidence_required": [ "transfer ID", "funding method and reference", "state transitions", "received-funds and payout evidence" ], "review_condition": { "status": "varexis_review_policy", "statement": "Refuse funded or recipient-paid claims based on a submitted or initiated transfer; do not interpret processing as completed payout." }, "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": "An agent reports a purchase funded immediately after initiating its transfer. Fulfilment may proceed before the required funding has arrived.", "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": "incoming_payment_initiated" }, "buyer_relevance": "An agent reports a purchase funded immediately after initiating its transfer. Fulfilment may proceed before the required funding has arrived.", "refusal_conditions": [ "Refuse funded or recipient-paid claims based on a submitted or initiated transfer; do not interpret processing as completed payout.", "Do not infer deployment conformance, authority or successful outcomes from source documentation." ], "decision_context": { "operator": "Payment and procurement reconciliation operator", "scenario": "An agent reports a purchase funded immediately after initiating its transfer.", "consequence": "Fulfilment may proceed before the required funding has arrived.", "confidence": "Primary documentation assertion supported; deployment applicability unverified" }, "novelty_review": { "candidate_id": "ICE06-A4F696EBBA11", "disposition": "EXTENSION", "nearest_record_id": "VXI-EXT-PROCUREMENT-PAYPAL-AUTHORIZATION-REAUTHORIZATION-CAPTURE-EVIDENCE-01-v1", "nearest_record_url": "/varexis-index/records/paypal-authorization-reauthorization-capture-evidence.json", "nearest_record_sha256": "7f04ac3a5f3043f7c19021474fc2e6e4b5ece2cdd913dc7435faa30639e1f06d", "material_distinction": "Separates Wise pay-in receipt from transfer creation, unlike card authorisation/capture.", "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-FUNDING-INITIATION-VERSUS-RECEIPT-01-v1" }, "record_url": "/varexis-index/records/wise-funding-initiation-versus-receipt.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": "An agent reports a purchase funded immediately after initiating its transfer. Fulfilment may proceed before the required funding has arrived.", "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-funding-initiation-versus-receipt", "machine_readable_record": "/varexis-index/records/wise-funding-initiation-versus-receipt.json" }