The ordering institution must collect payer information and the payee's full name, verify the payer information, and pass on payer information, the payee's name and tracing information, with variations: domestic transfers through BECS, BPAY or DEFT need only tracing information passed on; batch messages carry payer information and, for each transfer, the payee's name and tracing information; merchant payments and refunds pass on the card number only; ATM cash withdrawals require the payer's name and the card number; and transfers to a self-hosted virtual asset wallet require collecting and verifying payer information and the payee's name without passing it on.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.