{ "schema": "varexis-public-evidence-record/0.3", "generated_at_utc": "2026-10-29T21:43:00.943093Z", "record_id": "VXI-EXT-ICE06-WISE-QUOTE-RATE-EXPIRY-DISTINCTION-01-v1", "record_kind": "external_reference", "title": "Wise quote rate expiry distinction", "system": "Wise", "evidence_family": "vendor_evidence_review", "index_status": "PUBLIC_SAFE_SOURCE_REVIEW", "evidence_state": "PRIMARY_DOCUMENTATION_REVIEW_ONLY", "canonical_question": "Does an unexpired Wise quote guarantee the originally approved rate remains locked?", "near_questions": [ "Wise rate expiry versus quote expiry", "fixed floating Wise quote approved rate", "funding deadline guaranteed exchange rate", "quote valid rate lock expired" ], "supported_claims": [ { "claim": "Wise exposes rateType, rateExpirationTime and expirationTime as separate fields: rate expiry concerns the locked rate, while expirationTime concerns the whole quote. The guide also binds the rate promise after transfer creation to funding before its deadline. Quote validity alone is not evidence that approved conversion terms still apply.", "reliance": "DOCUMENTED_CAPABILITY_ONLY" } ], "not_demonstrated_claims": [ "Refuse unchanged-rate claims without the applicable lock and funding evidence; a replacement quote requires comparison with approved terms.", "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 exposes rateType, rateExpirationTime and expirationTime as separate fields: rate expiry concerns the locked rate, while expirationTime concerns the whole quote. The guide also binds the rate promise after transfer creation to funding before its deadline. Quote validity alone is not evidence that approved conversion terms still apply.", "related_record_ids": [], "source_review": { "source_type": "official_external_documentation", "source_title": "Wise: Authenticated quotes", "source_url": "https://docs.wise.com/guides/product/send-money/quotes/authenticated-quote", "checked_on": "2026-10-29", "candidate_record_id": "VXI-EXT-ICE06-WISE-QUOTE-RATE-EXPIRY-DISTINCTION-01-v1", "candidate_record_sha256": "f48dac26fa153c48d64e1bd23597abaae8528f7ac3d5aa947055cc279cd86ec7", "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 exposes rateType, rateExpirationTime and expirationTime as separate fields: rate expiry concerns the locked rate, while expirationTime concerns the whole quote. The guide also binds the rate promise after transfer creation to funding before its deadline. Quote validity alone is not evidence that approved conversion terms still apply.", "required_buyer_context": "quote ID and status; fixed or floating rate type; both expiry times; funding time; approved source and target amounts. 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 an unexpired Wise quote guarantee the originally approved rate remains locked?", "documented_statement": { "status": "documented", "statement": "Wise exposes rateType, rateExpirationTime and expirationTime as separate fields: rate expiry concerns the locked rate, while expirationTime concerns the whole quote. The guide also binds the rate promise after transfer creation to funding before its deadline. Quote validity alone is not evidence that approved conversion terms still apply.", "source_ids": [ "wise-quotes" ] }, "review_inference": { "status": "review_inference", "statement": "An agent resumes an approved currency transfer after a delay. The transfer may use terms different from the original approval. Adds FX quote-versus-rate validity and funding deadlines, distinct from editable order amounts. This is an operational review inference, not an observed deployment outcome.", "source_ids": [ "wise-quotes" ] }, "buyer_evidence_required": [ "quote ID and status", "fixed or floating rate type", "both expiry times", "funding time", "approved source and target amounts" ], "review_condition": { "status": "varexis_review_policy", "statement": "Refuse unchanged-rate claims without the applicable lock and funding evidence; a replacement quote requires comparison with approved terms." }, "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-quotes", "url": "https://docs.wise.com/guides/product/send-money/quotes/authenticated-quote", "final_url": "https://docs.wise.com/guides/product/send-money/quotes/authenticated-quote", "captured_at_utc": "2026-10-29T19:22:33.712368+00:00", "status": 200, "content_type": "text/html; charset=UTF-8", "bytes": 1178423, "sha256": "4e2d46c127328b9fe230b2b714681409b823177ce905ddf6aa223cdc3301d2ee", "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 2026-10-29T19:22:33.712368+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: Authenticated quotes", "checked_on": "2026-10-29", "capture_status": 200, "claim_review_completed": true, "hash_basis": "SHA-256 of captured HTTP response body bytes", "reviewed_sections": [ "rateExpirationTime" ] } ], "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 resumes an approved currency transfer after a delay. The transfer may use terms different from the original approval.", "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": "rateExpirationTime" }, "buyer_relevance": "An agent resumes an approved currency transfer after a delay. The transfer may use terms different from the original approval.", "refusal_conditions": [ "Refuse unchanged-rate claims without the applicable lock and funding evidence; a replacement quote requires comparison with approved terms.", "Do not infer deployment conformance, authority or successful outcomes from source documentation." ], "decision_context": { "operator": "Payment and procurement reconciliation operator", "scenario": "An agent resumes an approved currency transfer after a delay.", "consequence": "The transfer may use terms different from the original approval.", "confidence": "Primary documentation assertion supported; deployment applicability unverified" }, "novelty_review": { "candidate_id": "ICE06-DEA3799C5B64", "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 FX quote-versus-rate validity and funding deadlines, distinct from editable order amounts.", "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-RATE-EXPIRY-DISTINCTION-01-v1" }, "record_url": "/varexis-index/records/wise-quote-rate-expiry-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": "An agent resumes an approved currency transfer after a delay. The transfer may use terms different from the original approval.", "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-rate-expiry-distinction", "machine_readable_record": "/varexis-index/records/wise-quote-rate-expiry-distinction.json" }