{
  "id": "ARXO-2026-0165",
  "url": "https://arxo.io/findings/ARXO-2026-0165/",
  "record_kind": "discrepancy",
  "class": "act_text",
  "class_label": "Text of the act",
  "jurisdiction": "KZ",
  "jurisdiction_detail": "AIFC",
  "act": "AIFC Rules on Providing Money Services (PMS)",
  "acts": [
    "AIFC Rules on Digital Asset Activities",
    "AIFC Rules on Providing Money Services",
    "AIFC Financial Technology Rules",
    "AIFC Representative Office Rules",
    "AIFC Auditor Rules"
  ],
  "location": "PMS 7.9.2(2)",
  "text": {
    "en": {
      "title": "PMS 7.9.2(2) and (4): broken cross-reference \"subrule 0\" in the refund rule (PDF and regulator's website)",
      "summary": "Both subrules refer to \"subrule 0\", an unresolved automatic cross-reference; the same \"0\" appears in the text on the regulator's website. The intended target is 7.9.2(1) (refund of an unauthorised Payment Transaction). The meaning survives by context.",
      "correction": "Please read \"subrule (1)\" for \"subrule 0\" in 7.9.2(2) and (4) (an editorial correction under section 19(3)(a) of the AIFC Regulations on AIFC Acts)."
    }
  },
  "status": {
    "badge": "reported",
    "label": {
      "en": "Reported",
      "ru": "Сообщено"
    },
    "conclusion": "confirmed",
    "official_text": "unchanged",
    "addressee": "none",
    "last_checked": "2026-10-24",
    "fixed_on": null,
    "correction_type": null,
    "under_review": false
  },
  "origin": "The text of the act",
  "evidence": {
    "method": "Contradiction within the text",
    "quotes": [
      {
        "location": "l1",
        "source": "AIFC Rules on Providing Money Services (with amendments as of 13 April 2025, which commence on 13 October 2025 and on 13 January 2026)",
        "role": "Normative text",
        "language": "en",
        "edition": null,
        "locator": "PMS 7.9.2(2)",
        "text": "The Money Service Provider must provide the refund referred to in subrule 0 as soon as practicable",
        "translations": {},
        "url": "https://aifc.kz/wp-content/uploads/2025/06/pms-rulebook-25.05.2025_-v.1.pdf",
        "sha256": "333935eb310b57bcba51ab477b3e11e65a88e7ccf094eda06bc4e023e4fdac1a",
        "retrieved": "2026-10-23",
        "copy": "sources/333935eb310b57bc-pms-rulebook-25.05.2025_-v.1.pdf",
        "copy_sha256": "333935eb310b57bcba51ab477b3e11e65a88e7ccf094eda06bc4e023e4fdac1a",
        "copy_kind": "copy of the official file"
      },
      {
        "location": "l2",
        "source": "AIFC Rules on Providing Money Services (with amendments as of 13 April 2025, which commence on 13 October 2025 and on 13 January 2026)",
        "role": "Normative text",
        "language": "en",
        "edition": null,
        "locator": "PMS 7.9.2(4)",
        "text": "When crediting a Payment Account under subrule 0, a Money Service Provider must ensure",
        "translations": {},
        "url": "https://aifc.kz/wp-content/uploads/2025/06/pms-rulebook-25.05.2025_-v.1.pdf",
        "sha256": "333935eb310b57bcba51ab477b3e11e65a88e7ccf094eda06bc4e023e4fdac1a",
        "retrieved": "2026-10-23",
        "copy": "sources/333935eb310b57bc-pms-rulebook-25.05.2025_-v.1.pdf",
        "copy_sha256": "333935eb310b57bcba51ab477b3e11e65a88e7ccf094eda06bc4e023e4fdac1a",
        "copy_kind": "copy of the official file"
      }
    ]
  },
  "impact_shown": false,
  "notified": [
    {
      "date": "2026-10-27T07:53:59Z",
      "institution": "Astana Financial Services Authority (AFSA)",
      "channel": "email",
      "role": "author of the AIFC Rules"
    }
  ],
  "responsible": [
    {
      "institution": "Astana Financial Services Authority (AFSA)",
      "role": "author of the AIFC Rules"
    }
  ],
  "responses": [],
  "approval": "2026-10-27",
  "ai_role": {
    "en": "AI agents read the official texts, turned the provisions concerned into executable rules and ran the comparison; they also drafted this record. A person at Arxo checked the finding and approved the report before it was sent (2026-10-27)."
  },
  "credit": [],
  "press_date": null,
  "earlier_publications": [],
  "reproduction": [],
  "sources": [
    {
      "title": "AIFC Rules on Providing Money Services (with amendments as of 13 April 2025, which commence on 13 October 2025 and on 13 January 2026)",
      "url": "https://aifc.kz/wp-content/uploads/2025/06/pms-rulebook-25.05.2025_-v.1.pdf"
    }
  ],
  "related": [],
  "first_published": "2026-10-27T08:42:00Z",
  "history": [
    {
      "date": "2026-10-24",
      "event": "confirmed",
      "text": "Confirmed by Arxo"
    },
    {
      "date": "2026-10-27",
      "event": "entered",
      "text": "Entered in the register"
    },
    {
      "date": "2026-10-27",
      "event": "reported",
      "text": "Reported to Astana Financial Services Authority (AFSA) (e-mail)"
    }
  ]
}