Search arXiv⌕ Search
Home/Archive/arXiv

arXiv · 2604.08833

A Universal Quotient of Banking APIs

Christopher Doyle
View original source ↗Read source document ↗Export metadata ↓

Abstract

Four axioms of immutable ledger, linear consent, payment irreversibility, and bounded credit manifest themselves as institutional facts codified by banking practice for the transfer of monetary value. These axioms certify the independence of 14 empirically observed and jurisdictionally invariant dimensions. Morphisms of the ambient category do not admit sections that would reconstruct one dimension from another, and every morphism admits epi-mono factorisation through the universal quotient Q_public. This factorisation is forced by definite causal order under classical realisation and echoes the factorisation theorem of Gogioso et al. Gaussian elimination across 4,590 endpoints from BIAN, CDR, and OBIE confirms rank 14 and witnesses the jurisdictional invariance of the quotient object. The axioms similarly constrain the monoidal structure. The information dominance preorder is a thin category; all five Szlachanyi conditions follow, establishing that Q_public carries left skew monoidal structure.

Explore related subjects

math.CT

Keep this discovery

Explore connections, maps & timelines

BibTeXRIS

Christopher Doyle. 2026-04-10. A Universal Quotient of Banking APIs. https://arxiv.org/abs/2604.08833

Cite the original work for its findings. Save a collection to share your selection of sources.

KEEP EXPLORING

Related papers

arXiv2026

Commutation of Smyth and Hoare Power Constructions in Well-filtered Dcpos

Prior work [11] established a commutativity result for the Hoare power construction and a modified version of the Smyth power construction consisting of strongly compact sets, which is defined for Us-admitting dcpos, where Us-admissability is well-filteredness with compact sets replaced by strongly compact sets. In this paper, we consider the Hoare power construction H and the Smyth power construction Q on the category WF of well-filtered dcpos with Scott-continuous maps. Actually, the functors H and Q can be extended to monads. We prove that H and Q commute, that is, HQ(L) is isomorphic to QH(L) for a well-filtered dcpo L, if and only if L satisfies a property similar to consonance that we call (KC) and the Scott topology coincides with the upper Vietoris topology on Q(L). We also investigate the Eilenberg-Moore category of the monad composed by H and Q under a distributive law on WF and characterize it to be a subcategory of the category Frm, which is composed of all frames and all frame homomorphisms.

math.CT↗
arXiv2026

Formal weakly enriched category theory

A formal category theory is constructed (in the form of a proarrow equipment), encoding weak coherent enrichment over a monoidal model category $\mV$. We describe how basic categorical concepts formulated via the equipment translate back to enriched categories. We characterize Dwyer-Kan equivalences of enriched categories as $2$-categorical equivalences. Specializing to either the Kan-Quillen model structure on simplicial sets, or the Quillen-Serre model structure on topological spaces, we prove that the resulting formal category theory is equivalent to the one associated with the $\infty$-cosmos of quasicategories, thereby extending the formal approach to $(\infty,1)$-categories in the sense of Riehl-Verity to encompass both simplicial and topological categories. A notion of classifying object, formulated internally to the equipment of $\mV$-categories, leads to enriched versions of Quillen's Theorem A.

math.CT↗