# Read the account without losing the source

Understand identity, Originals, ownership, Reserve, Settlement, Notes and receipts as distinct parts of one system.

Canonical: https://docs.bankeiz.com/concepts/
Reviewed: 2026-10-25; coordinated packages 129.0.0; ruleset 127.0.0.

## Start with the Original

An Original is the complete supported source carrying its proof, payload and required history. A thumbnail, copied title or transport envelope does not replace it. When a supported original is admitted, the interface may project it into an asset, a Note, a receipt or a Vault holding. Preserve the original bytes and unknown namespaces so later inspection does not depend on a single screen.

## Identity and authority

Receiz ID establishes identity continuity. PBI and the supported recovery materials preserve their specific account/device proofs. Account access, read consent, ownership and permission for a particular financial operation remain distinct. Recognizing a username or opening a public profile does not grant private access or spending authority.

**Questions to ask of a record**

| Question | Evidence to inspect |
| --- | --- |
| Who is involved? | The admitted identity, participant and recipient bindings. |
| What is owned? | The current supported ownership source and exact rights. |
| What funds it? | The admitted Reserve/Settlement composition or asset backing. |
| What changed? | The exact predecessor, operation and accepted successor. |
| What can I do next? | The actual current authority and supported execution route. |

## Value and its presentation

Reserve retains admitted funded denomination and backing. Settlement retains exact Phi and its supported deterministic dollar presentation. A combined account total makes the supported components usable together; the original financial result retains their composition. Valuation, offered sale terms, available liquidity and realized proceeds answer different questions. A chart does not authorize a payment or guarantee a sale.

## Notes and receipts

A Note carries its admitted funding and transfer/claim rules. Reserve, Settlement and combined Notes preserve their actual units and sources. A receipt records an accepted event. Retaining a received Note offline is different from confirming account credit; importing a receipt retains evidence and does not execute the event again.

**A financial request becomes a recorded result**

1. Prepared: Retain the exact intended action.
2. Approved: Bind the actual operation.
3. Submitted: The result can be known or unknown.
4. Confirmed: Reopen the accepted source and keep its receipt.

## Read time and history precisely

Local calendar time makes a record readable to a person. Native causal admission carries Kai/KKS coordinates and their required KaiSigil proof. Server arrival order, a changed chart or a display timestamp cannot establish a missing predecessor, prove exclusive consumption or replace original execution evidence. Older genuine proof remains historical evidence at its recorded coordinate; a new current state must have its own admitted source.

- [Receipts and history](https://docs.bankeiz.com/records/)
- [Valuation and liquidity](https://docs.bankeiz.com/market-value/)

## Implementation sources

- [Identity, ownership and account proofs](https://github.com/kojibai/reality-grade-banking/blob/6c5d582/docs/native-assets-and-account-proofs-v129.md)
- [Current source and value rules](https://github.com/kojibai/reality-grade-banking/blob/6c5d582/docs/current-function-boundaries.md)
- [Holding and recovery contract](https://github.com/kojibai/reality-grade-banking/blob/6c5d582/institution/holding-and-recovery.md)

## Related documentation

- [Reserve, Settlement and funding composition](https://docs.bankeiz.com/reserve-settlement/)
- [Ownership, rights and physical custody](https://docs.bankeiz.com/ownership/)
- [Inspect receipts, ownership and source history](https://docs.bankeiz.com/records/)
- [Terms and units](https://docs.bankeiz.com/glossary/)