{
  "@context": [
    "https://schemas.meta-aiml.org/v3.0.0/context.jsonld"
  ],
  "@id": "https://data.meta-aiml.org/v3.0.0/examples/online_banking/horizon-trust-digital-bank",
  "$id": "https://data.meta-aiml.org/v3.0.0/examples/online_banking/horizon-trust-digital-bank",
  "@type": "OnlineBanking",
  "schemaVersion": "3.0.0",
  "aimlVersion": "3.0.0",
  "title": "Example Filled Online Banking Entity Example (Horizon Trust Digital Bank)",
  "ontologicalMode": "FinancialEntity",
  "interactionArchetype": [
    "DirectService"
  ],
  "domain": "Finance",
  "businessModel": [
    "InterestSpread",
    "Transactional",
    "Subscription"
  ],
  "deliveryFormat": [
    "WebApp",
    "MobileApp",
    "API"
  ],
  "name": {
    "en": "Horizon Trust Digital Bank",
    "es": "Horizon Trust Digital Bank",
    "fr": "Horizon Trust Digital Bank"
  },
  "description": {
    "en": "Horizon Trust Digital Bank is a fictional regulated online banking service delivering account operations, card management, domestic and international transfers, and compliance-controlled money movement workflows.",
    "es": "Horizon Trust Digital Bank es un banco digital ficticio y regulado que ofrece operacion de cuentas, gestion de tarjetas y transferencias bajo controles de cumplimiento financiero.",
    "fr": "Horizon Trust Digital Bank est une banque numerique fictive et regulee proposant gestion de compte, cartes et virements avec controle de conformite."
  },
  "shortDescription": {
    "en": "Regulated digital banking platform with direct customer financial service delivery.",
    "es": "Plataforma de banca digital regulada con servicio financiero directo al cliente.",
    "fr": "Plateforme bancaire numerique reglementee avec service financier direct au client."
  },
  "url": "https://horizontrust-bank.example",
  "foundingDate": "2016-01-25",
  "createdDate": "2026-02-20T18:44:00Z",
  "lastModified": "2026-02-20T18:44:00Z",
  "examples": [
    {
      "scenario": "Weekend transfer volume surge",
      "note": "AI should map user intents to direct-service financial flows with risk checks, transaction monitoring, and account-level controls."
    },
    {
      "scenario": "Regulatory audit preparation window",
      "note": "AI should prioritize compliance and auditability metadata while avoiding any credential-like data in outputs."
    }
  ],
  "regulatoryInfo": {
    "licenses": [
      "US-NB-HTDB-2026-001",
      "EU-EMI-HTDB-2026-014"
    ],
    "jurisdictions": [
      "US",
      "EU"
    ],
    "complianceFrameworks": [
      "KYC",
      "AML_CFT",
      "PCI_DSS",
      "SOX",
      "GDPR"
    ]
  },
  "properties": {
    "bankingSegment": "hybrid",
    "supportsInstantPayments": true,
    "supportsInternationalTransfers": true,
    "supportsCardManagement": true,
    "riskControlTier": "critical",
    "contactPoints": [
      {
        "contactType": "customer_service",
        "telephone": "+1-212-555-0186",
        "email": "support@horizontrust-bank.example",
        "url": "https://horizontrust-bank.example/support",
        "areaServed": "US, EU",
        "availableLanguages": [
          "en",
          "es",
          "fr"
        ]
      },
      {
        "contactType": "technical",
        "telephone": "+1-212-555-0127",
        "email": "security@horizontrust-bank.example",
        "url": "https://horizontrust-bank.example/security-center",
        "areaServed": "US, EU",
        "availableLanguages": [
          "en"
        ]
      }
    ],
    "socialProfiles": [
      {
        "platform": "linkedin",
        "url": "https://www.linkedin.com/company/horizon-trust-bank",
        "username": "horizon-trust-bank"
      },
      {
        "platform": "twitter",
        "url": "https://twitter.com/horizontrustbank",
        "username": "horizontrustbank"
      }
    ],
    "identifiers": [
      {
        "type": "url",
        "value": "https://horizontrust-bank.example"
      },
      {
        "type": "custom",
        "value": "OBNK-HTB-001"
      }
    ]
  },
  "capabilities": {
    "interaction": {
      "features": [
        "messaging",
        "notifications"
      ],
      "interactionMethods": [
        "online_form",
        "chat",
        "phone_call"
      ],
      "availableActions": [
        "check_balance",
        "initiate_transfer",
        "manage_card",
        "contact_support"
      ],
      "hasMessaging": true,
      "hasComments": false,
      "hasRating": false,
      "hasReviews": false,
      "hasSocialGraph": false,
      "hasFeed": false,
      "hasNotifications": true,
      "hasMatching": false,
      "realTimeCommunication": true,
      "moderationEnabled": true,
      "privacyControls": [
        "private"
      ]
    },
    "financial": {
      "features": [
        "payments",
        "invoicing",
        "refunds",
        "wallet",
        "billing",
        "subscriptionManagement",
        "currencyExchange"
      ],
      "paymentMethods": [
        "bank_transfer",
        "credit_card",
        "debit_card",
        "digital_wallet"
      ],
      "acceptsCreditCards": true,
      "currencies": [
        "USD",
        "EUR",
        "GBP"
      ],
      "priceRange": "service_tiered",
      "commissionModel": "flat_fee",
      "commissionRate": 0.5,
      "supportsSubscriptions": true,
      "supportsInvoicing": true,
      "refundPolicy": "partial_refund"
    },
    "content": {
      "features": [
        "publishing",
        "search",
        "categories",
        "archives"
      ],
      "contentTypes": [
        "policy",
        "faq",
        "security_notice",
        "service_update"
      ],
      "contentFormats": [
        "text",
        "html",
        "pdf"
      ],
      "contentAccess": [
        "public",
        "member"
      ],
      "editorialControl": true,
      "userGeneratedContent": false,
      "mediaHosting": false,
      "searchPossible": true,
      "hasCategorization": true,
      "hasTagging": false,
      "archiveAccess": true,
      "rssFeeds": false
    },
    "commerce": {
      "features": [
        "checkout",
        "pricing"
      ],
      "hasProductCatalog": false,
      "catalogSize": 0,
      "supportsCart": false,
      "supportsCheckout": true,
      "hasOrderTracking": false,
      "recommendationEngine": false,
      "vendorManagement": false,
      "searchCapability": false,
      "filteringOptions": []
    }
  },
  "modules": {
    "authentication": {
      "mfaRequired": true,
      "biometricLoginSupported": true,
      "deviceRiskScoringEnabled": true
    },
    "transactionSecurity": {
      "anomalyDetectionEnabled": true,
      "limitsEngineEnabled": true,
      "beneficiaryVerificationEnabled": true
    },
    "compliance": {
      "sanctionsScreeningEnabled": true,
      "transactionMonitoringEnabled": true,
      "auditTrailRetentionYears": 10
    }
  },
  "structuralMetadata": {
    "topology": "binary",
    "roles": [
      "user",
      "platform"
    ],
    "valueSource": "platform_provided",
    "transactionFlow": "direct",
    "networkEffects": "none",
    "criticalityClass": "regulated_financial_service"
  },
  "targetAudience": [
    "retail_customers",
    "small_businesses",
    "high_frequency_transactors"
  ],
  "siteCapabilities": {
    "supportedDevices": [
      "desktop",
      "mobile",
      "tablet"
    ],
    "languages": [
      "en",
      "es",
      "fr"
    ],
    "accessibilityFeatures": [
      "keyboard_navigation",
      "screen_reader_labels",
      "high_contrast_mode",
      "text_scaling"
    ]
  },
  "validationMetadata": {
    "schemaVersion": "3.0.0",
    "phase": "example_instance",
    "status": "reference",
    "lastValidated": "2026-02-20T18:44:00Z",
    "validator": "META-AIML SDK v3"
  },
  "semanticAnnotations": {
    "classificationRationale": "OnlineBanking is modeled as FinancialEntity plus DirectService because the institution directly serves customers under regulated financial controls.",
    "disambiguationNotes": "This is not a marketplace or broker model. No credential data is embedded. Contract describes architecture and operational controls only.",
    "intendedUse": "Canonical filled reference for financial institutions publishing static schema metadata in website headers."
  },
  "governanceMetadata": {
    "entityVersion": "3.0.0",
    "introducedIn": "META-AIML v3.0.0",
    "stabilityLevel": "reference",
    "sdkValidationRules": [
      "RULE-OBGF-001: @type MUST equal \"OnlineBanking\"",
      "RULE-OBGF-002: ontologicalMode MUST equal \"FinancialEntity\"",
      "RULE-OBGF-003: domain MUST equal \"Finance\"",
      "RULE-OBGF-004: interactionArchetype MUST contain exactly one value: \"DirectService\"",
      "RULE-OBGF-005: regulatoryInfo MUST provide licenses, jurisdictions, and compliance frameworks",
      "RULE-OBGF-006: capabilities MUST include interaction and financial groups",
      "RULE-OBGF-007: modules.authentication and modules.transactionSecurity MUST be present",
      "RULE-OBGF-008: structuralMetadata constants MUST align with DirectService archetype"
    ]
  }
}