FinancialEntity

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "@context": [
    "https://schemas.meta-aiml.org/v3.0.0/context.jsonld"
  ],
  "@id": "https://schemas.meta-aiml.org/v3.0.0/ontology/financial_entity.json",
  "@type": [
    "Thing",
    "OntologySchema",
    "FinancialEntity"
  ],
  "schemaVersion": "3.0.0",
  "aimlVersion": "3.0.0",
  "title": "FinancialEntity Ontology",
  "description": "Base ontological schema for regulated financial systems. CRITICAL: (1) Manages money or regulated financial assets; (2) Must be licensed/regulated; (3) Limited to DirectService or ProtocolSystem archetypes ONLY; (4) Requires compliance framework.",
  "type": "object",
  "properties": {
    "ontologicalMode": {
      "type": "string",
      "const": "FinancialEntity",
      "description": "Entity that manages money, financial instruments, or regulated financial assets. Fundamentally different from ProductEntity (which sells goods) or DigitalEntity (which may not handle real money)."
    },
    "ontologicalInvariants": {
      "type": "object",
      "description": "Structural guarantees ALWAYS true for FinancialEntity",
      "properties": {
        "handlesRealMoneyOrAssets": {
          "type": "string",
          "const": "mandatory",
          "description": "Must process actual financial assets/money, not theoretical value."
        },
        "requiresRegulation": {
          "type": "string",
          "const": "mandatory",
          "description": "MUST operate under government/regulatory authority. Not optional. This is ontologically defining."
        },
        "requiresLicensing": {
          "type": "string",
          "const": "mandatory",
          "description": "Cannot legally exist without explicit license. License is structural prerequisite."
        },
        "requiresAuditability": {
          "type": "string",
          "const": "mandatory",
          "description": "Every transaction must be auditable to regulatory authority. Non-negotiable."
        },
        "archetypeConstrained": {
          "type": "string",
          "const": "yes",
          "description": "FinancialEntity MUST use DirectService or ProtocolSystem ONLY. MediatedExchange and BroadcastPublisher permitted only if FinancialEntity is ALSO paired with other ontological mode that permits them."
        }
      },
      "required": [
        "handlesRealMoneyOrAssets",
        "requiresRegulation",
        "requiresLicensing",
        "requiresAuditability",
        "archetypeConstrained"
      ]
    },
    "structuralRequirements": {
      "type": "object",
      "description": "Hard structural requirements for FinancialEntity",
      "properties": {
        "regulatoryFramework": {
          "type": "object",
          "description": "MANDATORY regulatory structure",
          "properties": {
            "primaryJurisdictions": {
              "type": "array",
              "description": "Jurisdictions where FinancialEntity operates",
              "items": {
                "type": "string"
              },
              "minItems": 1,
              "examples": [
                "US",
                "EU",
                "UK",
                "APAC"
              ]
            },
            "licenses": {
              "type": "array",
              "description": "Active financial licenses (MANDATORY)",
              "items": {
                "type": "object",
                "properties": {
                  "licenseType": {
                    "type": "string",
                    "enum": [
                      "bank",
                      "credit_union",
                      "broker_dealer",
                      "investment_advisor",
                      "moneylender",
                      "payment_processor",
                      "crypto_exchange",
                      "insurance"
                    ],
                    "description": "Type of financial license"
                  },
                  "issuingAuthority": {
                    "type": "string",
                    "description": "Regulatory body issuing license"
                  },
                  "licenseNumber": {
                    "type": "string"
                  },
                  "effectiveDate": {
                    "type": "string",
                    "format": "date"
                  },
                  "expirationDate": {
                    "type": "string",
                    "format": "date"
                  }
                },
                "required": [
                  "licenseType",
                  "issuingAuthority",
                  "licenseNumber"
                ]
              },
              "minItems": 1
            },
            "complianceFrameworks": {
              "type": "array",
              "description": "Regulatory frameworks entity must adhere to (informational—actual compliance is in capabilities/modules)",
              "items": {
                "type": "string",
                "enum": [
                  "AML_CFT",
                  "KYC",
                  "PCI_DSS",
                  "GDPR",
                  "CCPA",
                  "HIPAA",
                  "SOX",
                  "Basel",
                  "MiFID"
                ]
              },
              "minItems": 1
            }
          },
          "required": [
            "primaryJurisdictions",
            "licenses",
            "complianceFrameworks"
          ]
        },
        "assetManagement": {
          "type": "object",
          "description": "How financial assets are managed (structural, not operational)",
          "properties": {
            "assetTypes": {
              "type": "array",
              "description": "Kinds of financial assets handled",
              "items": {
                "type": "string",
                "enum": [
                  "fiat_currency",
                  "cryptocurrency",
                  "securities",
                  "derivatives",
                  "commodities",
                  "loans",
                  "insurance_products",
                  "real_estate"
                ]
              },
              "minItems": 1
            },
            "custodyModel": {
              "type": "string",
              "enum": [
                "self_custodied",
                "third_party_custodied",
                "distributed",
                "hybrid"
              ],
              "description": "Where financial assets physically/legally reside"
            }
          },
          "required": [
            "assetTypes",
            "custodyModel"
          ]
        }
      },
      "required": [
        "regulatoryFramework",
        "assetManagement"
      ]
    },
    "allowedInteractionArchetypes": {
      "type": "array",
      "const": [
        "DirectService",
        "ProtocolSystem"
      ]
    },
    "deliveryFormat": {
      "type": "array",
      "description": "How FinancialEntity is delivered (must be digital—financial services are digital-first)",
      "items": {
        "type": "string"
      },
      "minItems": 1,
      "uniqueItems": true,
      "examples": [
        "WebApp",
        "MobileApp",
        "API",
        "VoiceInterface",
        "PhysicalCounter"
      ]
    },
    "semanticAnnotations": {
      "type": "object",
      "description": "Semantic tags to help ML understand financial nature",
      "properties": {
        "riskProfile": {
          "type": "string",
          "enum": [
            "high_risk",
            "medium_risk",
            "low_risk"
          ],
          "description": "Inherent financial risk category"
        },
        "customerBase": {
          "type": "string",
          "enum": [
            "retail",
            "institutional",
            "both"
          ],
          "description": "Who entity serves financially"
        },
        "leverageUsed": {
          "type": "boolean",
          "description": "Whether entity uses leverage in operations"
        }
      }
    },
    "ontologyNotes": {
      "type": "object",
      "description": "Architectural notes for implementers",
      "properties": {
        "whyNoSecurityFlags": {
          "type": "string",
          "const": "ONTOLOGY describes WHAT it is (regulated financial system). BEHAVIOR (encryption, MFA, audits) belongs in capabilities/modules, not ontology.",
          "description": "Explains design philosophy"
        },
        "whyArchetypeConstrained": {
          "type": "string",
          "const": "DirectService (bank) and ProtocolSystem (DeFi) are pure financial archetypes. MediatedExchange (marketplace) mixes commerce+financial. BroadcastPublisher (news) is incompatible with financial regulation philosophy.",
          "description": "Why only 2 archetypes allow FinancialEntity"
        },
        "v2Richness": {
          "type": "string",
          "const": "Preserved through: detailed license enumeration, jurisdiction mapping, compliance frameworks, asset types, custody models.",
          "description": "Information density preserved"
        }
      }
    },
    "examples": {
      "type": "array",
      "description": "Concrete FinancialEntity examples",
      "items": {
        "type": "string"
      },
      "examples": [
        "Bank (DirectService, handles deposits/loans)",
        "Insurance company (DirectService, manages risk/premiums)",
        "Brokerage (DirectService, manages securities)",
        "DeFi protocol (ProtocolSystem, algorithmic trading)",
        "Cryptocurrency exchange (DirectService, crypto custody)",
        "Payment processor (DirectService, transaction routing)",
        "Blockchain validator (ProtocolSystem, financial security)"
      ]
    },
    "domain": {
      "type": "string",
      "const": "Finance"
    },
    "interactionArchetype": {
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "DirectService",
          "ProtocolSystem"
        ]
      },
      "minItems": 1,
      "maxItems": 1
    },
    "regulatoryInfo": {
      "type": "object",
      "properties": {
        "licenses": {
          "type": "array",
          "minItems": 1,
          "items": {
            "type": "string"
          }
        },
        "jurisdictions": {
          "type": "array",
          "minItems": 1,
          "items": {
            "type": "string"
          }
        }
      },
      "required": [
        "licenses",
        "jurisdictions"
      ]
    }
  },
  "required": [
    "ontologicalMode",
    "domain",
    "deliveryFormat",
    "interactionArchetype",
    "regulatoryInfo"
  ],
  "validationMetadata": {
    "schemaVersion": "3.0.0",
    "phase": "phase_1",
    "status": "draft",
    "lastValidated": "2026-02-19",
    "validator": "META-AIML QA"
  },
  "$id": "https://schemas.meta-aiml.org/v3.0.0/ontology/financial_entity.json",
  "allOf": [
    {
      "if": {
        "properties": {
          "interactionArchetype": {
            "contains": {
              "const": "NetworkGraph"
            }
          }
        }
      },
      "then": false
    },
    {
      "if": {
        "properties": {
          "interactionArchetype": {
            "contains": {
              "const": "MediatedExchange"
            }
          }
        }
      },
      "then": false
    }
  ],
  "semanticAnnotations": {
    "classificationRationale": "FinancialEntity ontology schema aligned with META-AIML v3 structural completeness rules.",
    "disambiguationNotes": "Ontology and archetype constraints are encoded for machine-verifiable validation."
  },
  "governanceMetadata": {
    "schemaVersion": "3.0.0",
    "stabilityLevel": "draft",
    "sdkValidationRules": [
      "RULE-ON-FIN-001: ontologicalMode MUST equal FinancialEntity",
      "RULE-ON-FIN-002: domain MUST equal Finance",
      "RULE-ON-FIN-003: regulatoryInfo.licenses and regulatoryInfo.jurisdictions MUST be present",
      "RULE-ON-FIN-004: interactionArchetype MUST NOT include NetworkGraph or MediatedExchange"
    ]
  },
  "examples": [
    {
      "scenario": "FinancialEntity ontology reference usage #1",
      "note": "Demonstrates canonical structure and required constraints."
    },
    {
      "scenario": "FinancialEntity ontology reference usage #2",
      "note": "Demonstrates compliant alternative while preserving ontology/archetype semantics."
    }
  ]
}