{"library":[{"id":1,"trap_code":"A1","trap_class":"A","pattern_description":"Field :49 CONFIRMATION INSTRUCTIONS = WITHOUT (no confirming bank)","detection_rule":"{\"type\": \"regex\", \"field\": \"49\", \"pattern\": \"WITHOUT\"}","severity":"CRITICAL","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":2,"trap_code":"A2","trap_class":"A","pattern_description":"Demand conditional on prior confirmation from issuing bank","detection_rule":"{\"type\": \"text_substring\", \"pattern\": \"demand only upon receipt of a confirmation from the issuing bank\", \"case_insensitive\": true}","severity":"CRITICAL","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":3,"trap_code":"A3","trap_class":"A","pattern_description":"Applicant has fully discharged obligations as precondition for draw","detection_rule":"{\"type\": \"text_substring\", \"pattern\": \"applicant has fully discharged\", \"case_insensitive\": true}","severity":"CRITICAL","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":4,"trap_code":"A4","trap_class":"A","pattern_description":"UCP 600 used for Standby (should be ISP98)","detection_rule":"{\"type\": \"field_mismatch\", \"field\": \"40C\", \"expected\": \"ISP98\", \"found\": \"UCP\"}","severity":"HIGH","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":5,"trap_code":"A5","trap_class":"A","pattern_description":"Advising bank role described transmission-only (no confirmation language)","detection_rule":"{\"type\": \"text_absent\", \"pattern\": \"full and irrevocable confirmation\", \"case_insensitive\": true}","severity":"HIGH","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":6,"trap_code":"A6","trap_class":"A","pattern_description":"Validity language missing \"released in writing by the beneficiary\"","detection_rule":"{\"type\": \"text_absent\", \"pattern\": \"expressly released in writing by the beneficiary\", \"case_insensitive\": true}","severity":"MEDIUM","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":7,"trap_code":"B1","trap_class":"B","pattern_description":"Upfront performance fee before instrument confirmation","detection_rule":"{\"type\": \"fee_pattern\", \"pattern\": \"performance fee\", \"before_confirmation\": true}","severity":"CRITICAL","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":8,"trap_code":"B2","trap_class":"B","pattern_description":"Activation fee required before draw","detection_rule":"{\"type\": \"fee_pattern\", \"pattern\": \"activation fee\", \"before_confirmation\": true}","severity":"CRITICAL","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":9,"trap_code":"B3","trap_class":"B","pattern_description":"Insurance fee demanded by counterparty (not BDET STIL)","detection_rule":"{\"type\": \"fee_pattern\", \"pattern\": \"insurance fee\", \"to_counterparty\": true}","severity":"HIGH","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":10,"trap_code":"B4","trap_class":"B","pattern_description":"Compliance fee paid to counterparty","detection_rule":"{\"type\": \"fee_pattern\", \"pattern\": \"compliance fee\", \"flow_direction\": \"outbound\"}","severity":"HIGH","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":11,"trap_code":"B5","trap_class":"B","pattern_description":"Upfront monetization fee","detection_rule":"{\"type\": \"fee_pattern\", \"pattern\": \"monetization fee\", \"before_confirmation\": true}","severity":"HIGH","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":12,"trap_code":"B6","trap_class":"B","pattern_description":"Broker fee greater than 2% of face value","detection_rule":"{\"type\": \"fee_pattern\", \"pattern\": \"broker fee\", \"threshold_pct\": 2.0}","severity":"MEDIUM","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":13,"trap_code":"B7","trap_class":"B","pattern_description":"Combined upfront fees exceed 5% of face value","detection_rule":"{\"type\": \"aggregate_fee\", \"threshold_pct\": 5.0}","severity":"HIGH","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":14,"trap_code":"B8","trap_class":"B","pattern_description":"10-business-day pay-or-die clause","detection_rule":"{\"type\": \"text_substring\", \"pattern\": \"within ten (10) business days\", \"case_insensitive\": true}","severity":"HIGH","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":15,"trap_code":"C1","trap_class":"C","pattern_description":"Drawing window less than 5 days before expiry","detection_rule":"{\"type\": \"date_math\", \"field\": \"demand_window\", \"threshold_days\": 5}","severity":"MEDIUM","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":16,"trap_code":"C2","trap_class":"C","pattern_description":"Required documents for draw not specified","detection_rule":"{\"type\": \"text_absent\", \"pattern\": \"complying demand\", \"case_insensitive\": true}","severity":"HIGH","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":17,"trap_code":"C3","trap_class":"C","pattern_description":"Subjective determination by issuer for compliance","detection_rule":"{\"type\": \"text_substring\", \"pattern\": \"acceptable to the issuing bank\", \"case_insensitive\": true}","severity":"HIGH","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":18,"trap_code":"C4","trap_class":"C","pattern_description":"Confirmation channel restricted to single bank","detection_rule":"{\"type\": \"channel_redundancy\", \"min_channels\": 2}","severity":"MEDIUM","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":19,"trap_code":"D1","trap_class":"D","pattern_description":"Issuing bank not verified in Labuan FSA or equivalent registry","detection_rule":"{\"type\": \"registry_lookup\", \"target\": \"labuan_fsa\", \"timeout_days\": 7}","severity":"CRITICAL","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":20,"trap_code":"D2","trap_class":"D","pattern_description":"Issuing bank license not verifiable via FSA portal","detection_rule":"{\"type\": \"external_url\", \"target\": \"fsa_portal\"}","severity":"HIGH","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":21,"trap_code":"D3","trap_class":"D","pattern_description":"Advising bank has no RMA relationship with BDET","detection_rule":"{\"type\": \"rma_check\", \"target\": \"advising_bank\"}","severity":"HIGH","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":22,"trap_code":"D4","trap_class":"D","pattern_description":"Counterparty on OFAC/EU/UN/UK/Interpol watch list","detection_rule":"{\"type\": \"sanctions_screen\", \"sources\": [\"OFAC\", \"EU\", \"UN\", \"UK\", \"Interpol\", \"WorldCheck\"]}","severity":"CRITICAL","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null},{"id":23,"trap_code":"D5","trap_class":"D","pattern_description":"Counterparty PEP false-declared but verified TRUE","detection_rule":"{\"type\": \"pep_cross_check\"}","severity":"HIGH","active":1,"added_at":"2026-05-19T00:17:08.000Z","retired_at":null,"on_chain_attestation":null}]}