---
type: "AIHallucinationFinding"
title: "An advisor to a South African financial institution needs to know which central banks are actively…"
citation_id: "RLB-H-INT-BIS-CPMI-API-HARMONISATION-CROSS-BORDER-2024-Q007-Opus47"
finding_uid: "INT-BIS-CPMI-INT-001-CPMI-API-HARMONISATION-CROSS-BORDER-2024-v1-007--opus-47-websearch"
question_uid: "INT-BIS-CPMI-INT-001-CPMI-API-HARMONISATION-CROSS-BORDER-2024-v1-007"
regulation_id: "INT-BIS-CPMI-INT-001-CPMI-API-HARMONISATION-CROSS-BORDER-2024"
regulation_slug: "CPMI-API-HARMONISATION-CROSS-BORDER-2024"
regulation_title: "Promoting the Harmonisation of Application Programming Interfaces to Enhance Cross-Border Payments: Recommendations and Toolkit"
regulator_short_code: "BIS-CPMI"
regulatory_body_id: "BIS-CPMI-INT-001"
jurisdiction_code: "INT"
j_level: "J1"
ai_subject: "claude-opus-4-7"
ai_subject_display: "Claude Opus 4.7 (web search on)"
ai_subject_version: "opus-47-websearch"
response_failure_mode: "misstated_rule"
substrate_document_name: "p_05_GUIDELINE_d218___d230_update__what_changed_from_or_d223.htm"
substrate_document_path: "https://reglegbrief.com/substrate/INT/BIS-CPMI/CPMI-API-HARMONISATION-CROSS-BORDER-2024/_raw_manual_substrate/p_05_GUIDELINE_d218___d230_update__what_changed_from_or_d223.htm"
substrate_section_anchor: "d224 / CPMI Brief No. 9 — SARB as CPMI's named implementation partner for pre-validation API recommendation"
citation_issue_types: ["Contradictory", "Fabricated"]
audiences: ["ai_labs"]
published_at: "2026-06-04T03:07:05.744532+00:00"
substrate_version: 1
methodology_version: "2.3"
license: "CC-BY-4.0"
resource: "https://reglegbrief.com/regulators/j1/int/bis-cpmi/CPMI-API-HARMONISATION-CROSS-BORDER-2024/ai-labs/finding/INT-BIS-CPMI-INT-001-CPMI-API-HARMONISATION-CROSS-BORDER-2024-v1-007--opus-47-websearch/"
tags: ["ai-hallucination", "misstated_rule", "bis-cpmi", "cpmi-api-harmonisation-cross-border-2024", "int"]
timestamp: "2026-06-16T00:00:00+00:00"
---

# AI Hallucination Finding: An advisor to a South African financial institution needs to know which central banks are actively…

- **Citation ID.** `RLB-H-INT-BIS-CPMI-API-HARMONISATION-CROSS-BORDER-2024-Q007-Opus47`
- **Finding UID.** `INT-BIS-CPMI-INT-001-CPMI-API-HARMONISATION-CROSS-BORDER-2024-v1-007--opus-47-websearch`
- **Regulation.** [`CPMI-API-HARMONISATION-CROSS-BORDER-2024`](/okf/regulations/CPMI-API-HARMONISATION-CROSS-BORDER-2024.md) — Promoting the Harmonisation of Application Programming Interfaces to Enhance Cross-Border Payments: Recommendations and Toolkit
- **Regulator.** [`BIS-CPMI-INT-001`](/okf/bodies/BIS-CPMI-INT-001.md) — Bank for International Settlements — Committee on Payments and Market Infrastructures (CPMI)
- **AI subject.** Claude Opus 4.7 (web search on)
- **Failure mode.** [`misstated_rule`](/okf/taxonomy/failure-modes.md)
- **Published.** 2026-06-04T03:07:05.744532+00:00

## Question put to the AI subject

An advisor to a South African financial institution needs to know which central banks are actively involved in piloting or implementing specific API harmonisation recommendations, and whether any central bank is specifically named as partnering with CPMI on the payment pre-validation API recommendation.

## AI subject's verbatim answer

it is plausible that SARB is engaged with the d224 implementation track, but I cannot point to a public CPMI statement naming SARB as the specific partner on the pre-validation API recommendation.

## Verbatim regulator text contradicting the answer

> CPMI Brief No. 9 (Nov 2025): 'The CPMI, in collaboration with the South African Reserve Bank (SARB), has been advancing the API recommendation on payment pre-validation by conducting interviews with market stakeholders.'

_Source:_ [p_05_GUIDELINE_d218___d230_update__what_changed_from_or_d223.htm](https://reglegbrief.com/substrate/INT/BIS-CPMI/CPMI-API-HARMONISATION-CROSS-BORDER-2024/_raw_manual_substrate/p_05_GUIDELINE_d218___d230_update__what_changed_from_or_d223.htm)
_Section anchor:_ d224 / CPMI Brief No. 9 — SARB as CPMI's named implementation partner for pre-validation API recommendation

## Failure mode

**`misstated_rule`** — Misstated rule — the AI gave a definite rule, threshold, or obligation that the regulator's verbatim text does not support.

## Citation-issue types

- **Contradictory** — <https://www.bis.org/cpmi/publ/d224.htm>
- **Fabricated** — <https://www.bankofengland.co.za/news/2024/december/the-boe-welcomes-api-panel-of-expert-recommendations-to-enhance-cross-border-payments>
- **Contradictory** — <https://www.resbank.co.za/en/home/publications/publication-detail-pages/media-releases/2025/g20-cross-border-payments>
- **Contradictory** — <https://www.resbank.co.za/en/home/what-we-do/payments-and-settlements/pem>
- **Contradictory** — <https://www.resbank.co.za/content/dam/sarb/what-we-do/payments-and-settlements/regulation-oversight-and-supervision/regulatory-and-oversight-reports/nps-regulatory-report-2024.pdf>

## Related concepts

- Regulation: [CPMI-API-HARMONISATION-CROSS-BORDER-2024](/okf/regulations/CPMI-API-HARMONISATION-CROSS-BORDER-2024.md)
- Regulator: [BIS-CPMI-INT-001](/okf/bodies/BIS-CPMI-INT-001.md)
- Failure-mode taxonomy: [misstated_rule](/okf/taxonomy/failure-modes.md)
- Methodology: [v2.3](/okf/methodology.md)
- Editorial standards: [right of reply](/okf/editorial-standards.md)

## Reproduction

Citation ID: `RLB-H-INT-BIS-CPMI-API-HARMONISATION-CROSS-BORDER-2024-Q007-Opus47`

Resource URL (HTML view of this finding):

<https://reglegbrief.com/regulators/j1/int/bis-cpmi/CPMI-API-HARMONISATION-CROSS-BORDER-2024/ai-labs/finding/INT-BIS-CPMI-INT-001-CPMI-API-HARMONISATION-CROSS-BORDER-2024-v1-007--opus-47-websearch/>

This finding is reproducible against the substrate document linked above, using the same AI subject, the same methodology version, and the verbatim question text.