{
  "schema": "varexis-public-evidence-record/0.3",
  "generated_at_utc": "2026-10-29T21:43:00.943093Z",
  "record_id": "VXI-EXT-ICE06-WISE-INBOUND-RETURN-ORIGINATOR-RECEIPT-01-v1",
  "record_kind": "external_reference",
  "title": "Wise inbound return originator 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 inbound-payment return marked REFUNDED prove the originator received it?",
  "near_questions": [
    "Wise inbound return refunded en route",
    "Wise return original transfer balance statement",
    "returned inbound payment originator receipt",
    "Wise return cancelled balance debit"
  ],
  "supported_claims": [
    {
      "claim": "For the documented inbound return flow, CANCELLED means the balance was debited and return processing starts; REFUNDED means the return was processed and is en route to the originator. Wise also describes reconciliation using the original inbound transfer ID in the balance statement. A processed return is not independent evidence of originator-bank receipt.",
      "reliance": "DOCUMENTED_CAPABILITY_ONLY"
    }
  ],
  "not_demonstrated_claims": [
    "Do not confuse this inbound-return contract with ordinary outgoing-transfer states or assert originator receipt from REFUNDED alone.",
    "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": "For the documented inbound return flow, CANCELLED means the balance was debited and return processing starts; REFUNDED means the return was processed and is en route to the originator. Wise also describes reconciliation using the original inbound transfer ID in the balance statement. A processed return is not independent evidence of originator-bank receipt.",
  "related_record_ids": [],
  "source_review": {
    "source_type": "official_external_documentation",
    "source_title": "Wise: Initiate an inbound-payment return",
    "source_url": "https://docs.wise.com/guides/product/receive-money/initiate-a-return",
    "checked_on": "2026-10-29",
    "candidate_record_id": "VXI-EXT-ICE06-WISE-INBOUND-RETURN-ORIGINATOR-RECEIPT-01-v1",
    "candidate_record_sha256": "82c639931a430526479d23a24c6e02c18c67b2d1fc47630e895f122dcfb302f5",
    "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": "For the documented inbound return flow, CANCELLED means the balance was debited and return processing starts; REFUNDED means the return was processed and is en route to the originator. Wise also describes reconciliation using the original inbound transfer ID in the balance statement. A processed return is not independent evidence of originator-bank receipt.",
    "required_buyer_context": "original inbound payment or transfer ID; return-state events; balance-statement debit; originator receipt if required. 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 inbound-payment return marked REFUNDED prove the originator received it?",
    "documented_statement": {
      "status": "documented",
      "statement": "For the documented inbound return flow, CANCELLED means the balance was debited and return processing starts; REFUNDED means the return was processed and is en route to the originator. Wise also describes reconciliation using the original inbound transfer ID in the balance statement. A processed return is not independent evidence of originator-bank receipt.",
      "source_ids": [
        "wise-returns"
      ]
    },
    "review_inference": {
      "status": "review_inference",
      "statement": "An operator closes a mistaken incoming payment after initiating its return. Return processing can be mistaken for completed receipt by the sender. Adds a specifically documented inbound-return state and original-ID reconciliation contract. This is an operational review inference, not an observed deployment outcome.",
      "source_ids": [
        "wise-returns"
      ]
    },
    "buyer_evidence_required": [
      "original inbound payment or transfer ID",
      "return-state events",
      "balance-statement debit",
      "originator receipt if required"
    ],
    "review_condition": {
      "status": "varexis_review_policy",
      "statement": "Do not confuse this inbound-return contract with ordinary outgoing-transfer states or assert originator receipt from REFUNDED alone."
    },
    "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-returns",
        "url": "https://docs.wise.com/guides/product/receive-money/initiate-a-return",
        "final_url": "https://docs.wise.com/guides/product/receive-money/initiate-a-return",
        "captured_at_utc": "2026-10-29T19:03:37.342325+00:00",
        "status": 200,
        "content_type": "text/html; charset=UTF-8",
        "bytes": 1078432,
        "sha256": "6ab091cd8f98feaaeaa0fe3ba7eb473689862af1f6f3c3b4f0c658269aabe399",
        "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 2026-10-29T19:03:37.342325+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: Initiate an inbound-payment return",
        "checked_on": "2026-10-29",
        "capture_status": 200,
        "claim_review_completed": true,
        "hash_basis": "SHA-256 of captured HTTP response body bytes",
        "reviewed_sections": [
          "Monitor the return status"
        ]
      }
    ],
    "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 operator closes a mistaken incoming payment after initiating its return. Return processing can be mistaken for completed receipt by the sender.",
      "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": "Monitor the return status"
    },
    "buyer_relevance": "An operator closes a mistaken incoming payment after initiating its return. Return processing can be mistaken for completed receipt by the sender.",
    "refusal_conditions": [
      "Do not confuse this inbound-return contract with ordinary outgoing-transfer states or assert originator receipt from REFUNDED alone.",
      "Do not infer deployment conformance, authority or successful outcomes from source documentation."
    ],
    "decision_context": {
      "operator": "Payment and procurement reconciliation operator",
      "scenario": "An operator closes a mistaken incoming payment after initiating its return.",
      "consequence": "Return processing can be mistaken for completed receipt by the sender.",
      "confidence": "Primary documentation assertion supported; deployment applicability unverified"
    },
    "novelty_review": {
      "candidate_id": "ICE06-CD7DD184F9FA",
      "disposition": "EXTENSION",
      "nearest_record_id": "VXI-EXT-PROCUREMENT-ADYEN-REVERSAL-ELIGIBILITY-AND-LATER-OUTCOMES-01-v1",
      "nearest_record_url": "/varexis-index/records/adyen-reversal-eligibility-and-later-outcomes.json",
      "nearest_record_sha256": "6d62fb55d263ef5c43e6b6fa3fa18a77166b314eb0a88c5cc9ffbf4ca88d50a3",
      "material_distinction": "Adds a specifically documented inbound-return state and original-ID reconciliation contract.",
      "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-INBOUND-RETURN-ORIGINATOR-RECEIPT-01-v1"
      },
      "record_url": "/varexis-index/records/wise-inbound-return-originator-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 operator closes a mistaken incoming payment after initiating its return. Return processing can be mistaken for completed receipt by the sender.",
    "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-inbound-return-originator-receipt",
  "machine_readable_record": "/varexis-index/records/wise-inbound-return-originator-receipt.json"
}