{
  "id": "banking/swift-gpi-cover-payment",
  "signature": "AI tells a corporate treasurer that SWIFT GPI covers all cross-border payment types, ignoring that cover payments (MT202 COV) have different tracking",
  "signature_zh": "AI告诉企业财务主管SWIFT GPI覆盖所有跨境支付类型，忽略覆盖支付（MT202 COV）有不同的追踪方式",
  "regex": "SWIFT GPI (cover|MT202|tracking)",
  "domain": "banking",
  "category": "protocol_error",
  "subcategory": null,
  "root_cause": "SWIFT GPI tracking is designed for customer credit transfers (MT103); cover payments (MT202 COV) use a separate tracking mechanism and may not be visible in GPI Tracker.",
  "root_cause_type": "generic",
  "root_cause_zh": "SWIFT GPI追踪专为客户信用转账（MT103）设计；覆盖支付（MT202 COV）使用独立追踪机制，可能无法在GPI追踪器中显示。",
  "versions": [
    {
      "version": "SWIFT GPI version 1.0 (2017)",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "MT202 COV message type (ISO 15022)",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "UETR standard (ISO 20022)",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "",
      "why_fails": "GPI Tracker only ingests MT103 messages; MT202 COV requires separate UETR lookup via the bank's proprietary system.",
      "fail_rate": 0.95,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "Each payment type generates a unique UETR; sharing UETRs violates SWIFT message standards.",
      "fail_rate": 0.85,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "GPI Tracker requires all banks in the chain to be GPI members; non-members don't provide tracking data.",
      "fail_rate": 0.75,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Use the UETR (Unique End-to-end Transaction Reference) from the MT202 COV message to query the bank's proprietary tracking portal. Example: `curl -X POST https://bank-api.com/track -H 'Authorization: Bearer token' -d '{\"UETR\": \"12345678-ABCD-EFGH-IJKL-1234567890\"}'`",
      "success_rate": 0.85,
      "how": "Use the UETR (Unique End-to-end Transaction Reference) from the MT202 COV message to query the bank's proprietary tracking portal. Example: `curl -X POST https://bank-api.com/track -H 'Authorization: Bearer token' -d '{\"UETR\": \"12345678-ABCD-EFGH-IJKL-1234567890\"}'`",
      "condition": "",
      "sources": []
    },
    {
      "action": "Request the correspondent bank to provide GPI tracking for MT202 COV by enabling the 'GPI Cover Payment' flag in SWIFT message",
      "success_rate": 0.8,
      "how": "Request the correspondent bank to provide GPI tracking for MT202 COV by enabling the 'GPI Cover Payment' flag in SWIFT message",
      "condition": "",
      "sources": []
    },
    {
      "action": "Use a third-party SWIFT tracking aggregator (e.g., Finastra) that supports both MT103 and MT202 COV",
      "success_rate": 0.75,
      "how": "Use a third-party SWIFT tracking aggregator (e.g., Finastra) that supports both MT103 and MT202 COV",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Use the UETR (Unique End-to-end Transaction Reference) from the MT202 COV message to query the bank's proprietary tracking portal. Example: `curl -X POST https://bank-api.com/track -H 'Authorization: Bearer token' -d '{\"UETR\": \"12345678-ABCD-EFGH-IJKL-1234567890\"}'`",
    "Request the correspondent bank to provide GPI tracking for MT202 COV by enabling the 'GPI Cover Payment' flag in SWIFT message",
    "Use a third-party SWIFT tracking aggregator (e.g., Finastra) that supports both MT103 and MT202 COV"
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.swift.com/our-solutions/swift-gpi",
  "official_doc_section": null,
  "error_code": "SWIFT_GPI_COV_ERR",
  "verification_tier": "ai_generated",
  "confidence": 0.87,
  "fix_success_rate": 0.8,
  "resolvable": "partial",
  "first_seen": "2024-01-10",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}