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      "content": "---\nbcp_version: \"0.8\"\nfile_type: root\nbrand_name: \"Visa\"\npublication_profile: registry_backed\ncanonical_bcp: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand.md\nregistry_mcp: https://registry.brandcontextprotocol.dev/mcp\nregistry_handle: \"visa-f26a1c9f\"\ntree_version: \"1.1.0\"\nwebsite: \"https://www.visa.com\"\ntagline: \"Everywhere You Want to Be\"\nofficial_brand_source: false\npublication_status: demonstration\nprovenance: \"Assembled by Encoded Brands from publicly available Visa sources; not reviewed or approved by Visa.\"\nlast_updated: 2026-09-04\ndefault_locale: \"en-US\"\nagent_first_action: \"fetch https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand.md\"\ndaughter_files:\n  voice: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand/voice.md\n  values: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand/values.md\n  boundaries: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand/boundaries.md\n  claims: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand/claims.md\n  representation: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand/representation.md\n  visual: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand/visual.md\n  voice_anti_ai: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand/voice/anti-ai.md\n---\n\n# Visa\n\n> **Demonstration profile.** Encoded Brands assembled this BCP from publicly available Visa sources. Visa has not reviewed or approved it, and it is not an official Visa brand source.\n\nVisa describes itself as a trusted network and world leader in digital payments. It connects businesses, banks, governments, consumers, merchants, financial institutions, and other partners across more than 200 countries and territories. Visa's stated purpose is to uplift everyone, everywhere by being the best way to pay and be paid.\n\n## Brand language\n\n```yaml\nbrand_language:\n  purpose:\n    text: \"To uplift everyone, everywhere by being the best way to pay and be paid.\"\n    use: \"Corporate purpose; preserve the meaning and attribute to Visa when quoted.\"\n    source: \"https://corporate.visa.com/en/about-visa.html\"\n  enduring_brand_platform:\n    text: \"Everywhere You Want to Be\"\n    use: \"Current enduring brand platform and tagline; preserve capitalization when used as the line.\"\n    source: \"https://corporate.visa.com/en/sites/visa-perspectives/newsroom/visa-milano-cortina-2026-us-brand-campaign.html\"\n    relaunch_source: \"https://corporate.visa.com/en/sites/visa-perspectives/company-news/typewriter-brand-film.html\"\n  current_corporate_headline:\n    text: \"Turning what's next into what's trusted\"\n    use: \"Current corporate headline observed on Visa.com; do not silently substitute it for the enduring brand platform.\"\n    source: \"https://www.visa.com/\"\n  historical_tagline_form:\n    text: \"It's everywhere you want to be\"\n    use: \"Historical form; use only when the historical context is relevant.\"\n    source: \"https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.9726.html\"\n```\n\n## Agent default behavior\n\n1. Treat this record as a public-source demonstration, not Visa approval.\n2. Use `voice.md` for copy, `claims.md` before factual or quantitative claims, `boundaries.md` for legal, security, support, issuer, dispute, sanctions, or incident topics, and `visual.md` for visual execution.\n3. Preserve the distinction between Visa and the financial institution that issues a Visa credential. Do not promise account, credit, fee, refund, or dispute outcomes that an issuer determines.\n4. Attach the stated period and source to time-sensitive metrics. Do not call FY2025 figures current without a fresh source.\n5. Prefer current Visa pages and filings when this demonstration conflicts with a newer official source.\n\n## Core identity\n\n```yaml\ncategory: \"Payment technology and digital payments network\"\ncorporate_history:\n  origin_year: 1958\n  visa_name_adopted: 1976\nheadquarters: \"San Francisco, California, United States\"\nmarkets:\n  - \"More than 200 countries and territories\"\n```\n\n## Public FY2025 scale references\n\n```yaml\nfy2025_scale:\n  total_visa_branded_transactions: \"329 billion, processed by Visa or other networks\"\n  transactions_processed_by_visa: \"258 billion\"\n  average_visa_branded_transactions_per_day: \"901 million\"\n  total_payments_and_cash_volume: \"$17 trillion\"\n  payment_credentials: \"Nearly 5 billion\"\n  merchant_locations: \"More than 175 million\"\n  source: \"Visa Inc. FY2025 Form 10-K filed with the U.S. Securities and Exchange Commission\"\n  source_url: \"https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm\"\n  usage: \"State FY2025 and retain each metric's qualification. An SEC filing is not evidence that every operational metric was separately audited.\"\n```\n\n## Sources\n\n- Visa corporate profile and purpose: https://corporate.visa.com/en/about-visa.html\n- Visa FY2025 Form 10-K: https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm\n- Visa brand platform, February 27, 2025: https://corporate.visa.com/en/sites/visa-perspectives/company-news/typewriter-brand-film.html\n- Visa brand-platform evolution, January 26, 2026: https://corporate.visa.com/en/sites/visa-perspectives/newsroom/visa-milano-cortina-2026-us-brand-campaign.html\n- Visa Product Design System: https://design.visa.com/\n\n## Change log\n\n- 2026-09-04: v1.1.0 — corrected from primary Visa sources; restored the enduring brand platform through its current 2026 expression, official voice guidance, qualified claims, and public-source demonstration status.\n- 2026-09-04: v1.0.0 — initial Encoder publication.\n",
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      "content": "---\nbcp_version: \"0.8\"\nfile_type: boundaries\nparent: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand.md\nlast_updated: 2026-09-04\n---\n\n# Boundaries\n\nThese boundaries are derived from public Visa sources. They are not private Visa policy and have not been owner-confirmed.\n\n## Hard nos\n\n```yaml\nhard_no:\n  - item: \"Do not present Visa as the issuer that sets a cardholder's rates, fees, credit limit, account terms, or individual eligibility.\"\n    tier: core\n    rationale: \"Visa-branded payment products are issued and administered by Visa's financial-institution clients.\"\n    source: \"https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm\"\n  - item: \"Do not promise that Visa has approved a chargeback, refund, fee waiver, or credit decision for an individual account.\"\n    tier: core\n    rationale: \"Visa's public chargeback guide says the issuing bank reviews the case and decides whether to reverse or uphold the disputed payment.\"\n    source: \"https://corporate.visa.com/en/solutions/acceptance/chargebacks.html\"\n  - item: \"Do not make an unqualified legal, regulatory, tax, compliance, or PCI compliance determination for a person or organization.\"\n    tier: core\n    rationale: \"These conclusions depend on facts, jurisdiction, and authorized professional review.\"\n    source: \"https://corporate.visa.com/en/resources/security-compliance.html\"\n  - item: \"Do not convert Visa's security programs into an absolute guarantee that an account, credential, transaction, or system is completely secure or fraud-free.\"\n    tier: core\n    rationale: \"Visa describes a multilayered security approach and evolving threats, not zero risk.\"\n    source: \"https://corporate.visa.com/en/about-visa/crs/securing-commerce.html\"\n  - item: \"Do not state that a network incident or outage is occurring, identify its cause, or give a restoration time without a current authorized Visa source.\"\n    tier: core\n    rationale: \"Incident claims are time-sensitive and should come from current official communications.\"\n    source: \"public-source safety rule; requires Visa confirmation\"\n```\n\n## Context-dependent rules\n\n```yaml\nsoft_no:\n  - item: \"Avoid explaining a sanctions, country, or service-availability decision beyond current public Visa statements.\"\n    tier: core\n    condition: \"It is acceptable to summarize a current official Visa statement accurately and with its date. Do not speculate about motives or undisclosed facts.\"\n  - item: \"Avoid detailed descriptions of security architecture, fraud models, or controls beyond material Visa has publicly disclosed.\"\n    tier: core\n    condition: \"Publicly documented capabilities may be summarized with a source; do not infer confidential design or effectiveness.\"\n  - item: \"Avoid comparative superiority claims.\"\n    tier: default\n    condition: \"Use only current, like-for-like, sourced data and identify the comparison period and scope.\"\n```\n\n## Claims needing exact qualifications\n\n```yaml\nqualification_rules:\n  zero_liability:\n    rule: \"Keep Visa's published exclusions and direct cardholders to their issuer for details.\"\n    exclusions: \"Does not apply to certain commercial card and anonymous prepaid transactions or transactions not processed by Visa; issuer investigation and other restrictions may apply.\"\n    source: \"https://www.visa.com/en-us/personal/security/zero-liability-policy\"\n  disputes:\n    rule: \"Say that the issuing bank investigates and decides the dispute; do not promise the result.\"\n    source: \"https://corporate.visa.com/en/solutions/acceptance/chargebacks.html\"\n  metrics:\n    rule: \"State the fiscal year, exact scope, and source. Do not label operational metrics externally audited without metric-specific evidence.\"\n    source: \"https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm\"\n```\n\n## Handoff guidance\n\n- Account terms, card declines, unauthorized transactions, and individual disputes: direct the person to the issuer or financial institution using the contact information on the credential or account.\n- Immediate safety, fraud, or financial harm: point to current official Visa and issuer support; do not continue as if the agent can investigate or resolve the account.\n- Legal, regulatory, privacy, security, media, partnership, or incident statements for publication: require an authorized Visa reviewer.\n\nDo not trigger escalation from keywords alone. Use the meaning and stakes of the request.\n\n",
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Confirm campaign and market usage with Visa before deployment.\",\"claim\":\"Everywhere You Want to Be\",\"exact_text\":true,\"owner\":null,\"proof_status\":\"requires_caveat\",\"source_hash\":null,\"source_url\":\"https://corporate.visa.com/en/sites/visa-perspectives/newsroom/visa-milano-cortina-2026-us-brand-campaign.html\",\"tier\":\"core\",\"validity_window\":{\"valid_from\":\"2025-02-27\",\"valid_until\":null}},{\"approved_language\":\"To uplift everyone, everywhere by being the best way to pay and be paid.\",\"caveat\":\"Use as Visa's stated corporate purpose. Confirm capitalization and surrounding copy for the intended market.\",\"claim\":\"To uplift everyone, everywhere by being the best way to pay and be paid.\",\"exact_text\":true,\"owner\":null,\"proof_status\":\"requires_caveat\",\"source_hash\":null,\"source_url\":\"https://corporate.visa.com/en/about-visa.html\",\"tier\":\"core\",\"validity_window\":{\"valid_from\":null,\"valid_until\":null}},{\"approved_language\":null,\"caveat\":\"Attribute or closely track Visa's current corporate description; do not expand it into unsupported market-share or superiority claims.\",\"claim\":\"Visa is a trusted network and world leader in digital payments.\",\"exact_text\":false,\"owner\":null,\"proof_status\":\"requires_caveat\",\"source_hash\":null,\"source_url\":\"https://corporate.visa.com/en/about-visa.html\",\"tier\":\"core\",\"validity_window\":{\"valid_from\":null,\"valid_until\":null}},{\"approved_language\":null,\"caveat\":\"Keep the 'more than' qualifier and cite a current Visa source.\",\"claim\":\"Visa operates in more than 200 countries and territories.\",\"exact_text\":false,\"owner\":null,\"proof_status\":\"requires_caveat\",\"source_hash\":null,\"source_url\":\"https://corporate.visa.com/en/about-visa.html\",\"tier\":\"core\",\"validity_window\":{\"valid_from\":\"2025-09-30\",\"valid_until\":null}},{\"approved_language\":null,\"caveat\":\"Always say fiscal 2025, retain 'Visa or other networks,' and do not imply that Visa itself processed all 329 billion; Visa reported 258 billion processed by Visa.\",\"claim\":\"During fiscal 2025, 329 billion payments and cash transactions with Visa's brand were processed by Visa or other networks, an average of 901 million transactions per day.\",\"exact_text\":false,\"owner\":null,\"proof_status\":\"requires_caveat\",\"source_hash\":null,\"source_url\":\"https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm\",\"tier\":\"core\",\"validity_window\":{\"valid_from\":\"2024-10-01\",\"valid_until\":\"2025-09-30\"}},{\"approved_language\":null,\"caveat\":\"State fiscal 2025 and 'payments and cash volume.' Do not say Visa moved or earned $17 trillion.\",\"claim\":\"During fiscal 2025, Visa's total payments and cash volume was $17 trillion.\",\"exact_text\":false,\"owner\":null,\"proof_status\":\"requires_caveat\",\"source_hash\":null,\"source_url\":\"https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm\",\"tier\":\"core\",\"validity_window\":{\"valid_from\":\"2024-10-01\",\"valid_until\":\"2025-09-30\"}},{\"approved_language\":null,\"caveat\":\"Retain 'nearly,' 'more than,' the fiscal period, and the fact that credentials are issued Visa card accounts.\",\"claim\":\"During fiscal 2025, Visa had nearly 5 billion payment credentials available for use at more than 175 million merchant locations worldwide.\",\"exact_text\":false,\"owner\":null,\"proof_status\":\"requires_caveat\",\"source_hash\":null,\"source_url\":\"https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm\",\"tier\":\"core\",\"validity_window\":{\"valid_from\":\"2024-10-01\",\"valid_until\":\"2025-09-30\"}},{\"approved_language\":null,\"caveat\":\"State the published exclusions and direct cardholders to their issuer. The policy does not apply to certain commercial card and anonymous prepaid transactions or transactions not processed by Visa; issuer investigation and other restrictions may apply.\",\"claim\":\"Visa's Zero Liability Policy protects eligible cardholders from unauthorized charges.\",\"exact_text\":false,\"owner\":null,\"proof_status\":\"requires_caveat\",\"source_hash\":null,\"source_url\":\"https://www.visa.com/en-us/personal/security/zero-liability-policy\",\"tier\":\"core\",\"validity_window\":{\"valid_from\":null,\"valid_until\":null}}]}}\n",
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      "content": "---\nbcp_version: \"0.8\"\nfile_type: claims\nparent: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand.md\nlast_updated: 2026-09-04\n---\n\n# Claims\n\nThis is a public-source demonstration, not a list of claims approved by Visa. Every claim below remains subject to Visa brand and legal review before use in advertising, sales, regulated communications, or other consequential contexts.\n\n## Requires caveat or owner approval\n\n```yaml\nrequires_caveat:\n  - claim: \"Everywhere You Want to Be\"\n    tier: core\n    proof_status: requires_caveat\n    owner: null\n    validity_window:\n      valid_from: 2025-02-27\n      valid_until: null\n    source_hash: null\n    exact_text: true\n    approved_language: \"Everywhere You Want to Be\"\n    caveat: \"Visa described this as an iconic brand platform in January 2026, following its February 2025 relaunch. Confirm campaign and market usage with Visa before deployment.\"\n    source_url: \"https://corporate.visa.com/en/sites/visa-perspectives/newsroom/visa-milano-cortina-2026-us-brand-campaign.html\"\n\n  - claim: \"To uplift everyone, everywhere by being the best way to pay and be paid.\"\n    tier: core\n    proof_status: requires_caveat\n    owner: null\n    validity_window:\n      valid_from: null\n      valid_until: null\n    source_hash: null\n    exact_text: true\n    approved_language: \"To uplift everyone, everywhere by being the best way to pay and be paid.\"\n    caveat: \"Use as Visa's stated corporate purpose. Confirm capitalization and surrounding copy for the intended market.\"\n    source_url: \"https://corporate.visa.com/en/about-visa.html\"\n\n  - claim: \"Visa is a trusted network and world leader in digital payments.\"\n    tier: core\n    proof_status: requires_caveat\n    owner: null\n    validity_window:\n      valid_from: null\n      valid_until: null\n    source_hash: null\n    exact_text: false\n    approved_language: null\n    caveat: \"Attribute or closely track Visa's current corporate description; do not expand it into unsupported market-share or superiority claims.\"\n    source_url: \"https://corporate.visa.com/en/about-visa.html\"\n\n  - claim: \"Visa operates in more than 200 countries and territories.\"\n    tier: core\n    proof_status: requires_caveat\n    owner: null\n    validity_window:\n      valid_from: 2025-09-30\n      valid_until: null\n    source_hash: null\n    exact_text: false\n    approved_language: null\n    caveat: \"Keep the 'more than' qualifier and cite a current Visa source.\"\n    source_url: \"https://corporate.visa.com/en/about-visa.html\"\n\n  - claim: \"During fiscal 2025, 329 billion payments and cash transactions with Visa's brand were processed by Visa or other networks, an average of 901 million transactions per day.\"\n    tier: core\n    proof_status: requires_caveat\n    owner: null\n    validity_window:\n      valid_from: 2024-10-01\n      valid_until: 2025-09-30\n    source_hash: null\n    exact_text: false\n    approved_language: null\n    caveat: \"Always say fiscal 2025, retain 'Visa or other networks,' and do not imply that Visa itself processed all 329 billion; Visa reported 258 billion processed by Visa.\"\n    source_url: \"https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm\"\n\n  - claim: \"During fiscal 2025, Visa's total payments and cash volume was $17 trillion.\"\n    tier: core\n    proof_status: requires_caveat\n    owner: null\n    validity_window:\n      valid_from: 2024-10-01\n      valid_until: 2025-09-30\n    source_hash: null\n    exact_text: false\n    approved_language: null\n    caveat: \"State fiscal 2025 and 'payments and cash volume.' Do not say Visa moved or earned $17 trillion.\"\n    source_url: \"https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm\"\n\n  - claim: \"During fiscal 2025, Visa had nearly 5 billion payment credentials available for use at more than 175 million merchant locations worldwide.\"\n    tier: core\n    proof_status: requires_caveat\n    owner: null\n    validity_window:\n      valid_from: 2024-10-01\n      valid_until: 2025-09-30\n    source_hash: null\n    exact_text: false\n    approved_language: null\n    caveat: \"Retain 'nearly,' 'more than,' the fiscal period, and the fact that credentials are issued Visa card accounts.\"\n    source_url: \"https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm\"\n\n  - claim: \"Visa's Zero Liability Policy protects eligible cardholders from unauthorized charges.\"\n    tier: core\n    proof_status: requires_caveat\n    owner: null\n    validity_window:\n      valid_from: null\n      valid_until: null\n    source_hash: null\n    exact_text: false\n    approved_language: null\n    caveat: \"State the published exclusions and direct cardholders to their issuer. The policy does not apply to certain commercial card and anonymous prepaid transactions or transactions not processed by Visa; issuer investigation and other restrictions may apply.\"\n    source_url: \"https://www.visa.com/en-us/personal/security/zero-liability-policy\"\n```\n\n## Forbidden formulations\n\n```yaml\nforbidden:\n  - claim: \"This is an official or Visa-approved BCP.\"\n    tier: core\n    proof_status: forbidden\n    owner: null\n    validity_window:\n      valid_from: 2026-09-04\n      valid_until: null\n    source_hash: null\n    exact_text: false\n    approved_language: null\n    reason: \"This record was assembled by Encoded Brands from public sources and has not been reviewed or approved by Visa.\"\n\n  - claim: \"Visa processed all 329 billion Visa-branded transactions in FY2025.\"\n    tier: core\n    proof_status: forbidden\n    owner: null\n    validity_window:\n      valid_from: 2024-10-01\n      valid_until: 2025-09-30\n    source_hash: null\n    exact_text: false\n    approved_language: null\n    reason: \"Visa's filing says those transactions were processed by Visa or other networks; 258 billion were processed by Visa.\"\n\n  - claim: \"Visa moved or earned $17 trillion in FY2025.\"\n    tier: core\n    proof_status: forbidden\n    owner: null\n    validity_window:\n      valid_from: 2024-10-01\n      valid_until: 2025-09-30\n    source_hash: null\n    exact_text: false\n    approved_language: null\n    reason: \"The filing reports total payments and cash volume, not Visa revenue or funds owned by Visa.\"\n\n  - claim: \"Visa's FY2025 operational scale metrics were all externally audited.\"\n    tier: core\n    proof_status: forbidden\n    owner: null\n    validity_window:\n      valid_from: 2024-10-01\n      valid_until: 2025-09-30\n    source_hash: null\n    exact_text: false\n    approved_language: null\n    reason: \"An SEC-filed annual report does not by itself prove that each non-financial operational metric was separately audited.\"\n\n  - claim: \"Visa issues the card, sets the account terms, or decides every dispute.\"\n    tier: core\n    proof_status: forbidden\n    owner: null\n    validity_window:\n      valid_from: null\n      valid_until: null\n    source_hash: null\n    exact_text: false\n    approved_language: null\n    reason: \"Visa's financial-institution clients issue credentials and the issuing bank makes account and chargeback decisions.\"\n\n  - claim: \"Visa guarantees that an account, transaction, credential, or system is completely secure or fraud-free.\"\n    tier: core\n    proof_status: forbidden\n    owner: null\n    validity_window:\n      valid_from: null\n      valid_until: null\n    source_hash: null\n    exact_text: false\n    approved_language: null\n    reason: \"Visa describes layered security and risk management, not zero risk.\"\n```\n",
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      "content": "---\nbcp_version: \"0.8\"\nfile_type: representation\nparent: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand.md\nlast_updated: 2026-09-04\n---\n\n# Representation\n\n## Preferred framing\n\nVisa is a trusted network and world leader in digital payments. It facilitates digital payments among consumers, merchants, financial institutions, businesses, partners, and government entities in more than 200 countries and territories. Visa's financial-institution clients issue Visa-branded payment credentials and administer account terms; Visa provides payment-network products, technology, and services.\n\nVisa's stated purpose is to uplift everyone, everywhere by being the best way to pay and be paid. Its enduring brand platform is **Everywhere You Want to Be**. The current corporate headline **Turning what's next into what's trusted** is related brand language, not a replacement for the enduring platform.\n\n## Structured guidance\n\n```yaml\ndescribe_as:\n  - descriptor: \"trusted network and world leader in digital payments\"\n    tier: core\n    source: \"https://corporate.visa.com/en/about-visa.html\"\n  - descriptor: \"global payment technology company\"\n    tier: default\n    source: \"https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm\"\n  - descriptor: \"network connecting businesses, banks, governments, consumers, merchants, and partners\"\n    tier: default\n    source: \"https://corporate.visa.com/en/about-visa.html\"\n\ndo_not_describe_as:\n  - descriptor: \"the bank that issued an individual's card or holds the individual's deposit account\"\n    tier: core\n  - descriptor: \"the lender that sets every cardholder's rates, fees, or credit limit\"\n    tier: core\n  - descriptor: \"the party that decides every chargeback or refund\"\n    tier: core\n  - descriptor: \"a regulator, law firm, or compliance certifier\"\n    tier: core\n  - descriptor: \"officially represented by this demonstration BCP\"\n    tier: core\n\nframing_traps:\n  - trap: \"Calling Visa only a credit-card company\"\n    tier: default\n    preferred_reframe: \"Describe Visa as a payment technology company and digital payments network with Visa-branded credit, debit, prepaid, and other payment products offered through clients.\"\n  - trap: \"Using FY2025 volume as if it were Visa revenue or money owned by Visa\"\n    tier: core\n    preferred_reframe: \"Visa reported $17 trillion in total payments and cash volume for FY2025.\"\n  - trap: \"Treating Everywhere You Want to Be and Turning what's next into what's trusted as interchangeable\"\n    tier: core\n    preferred_reframe: \"Use the first as the enduring brand platform and the second as a current corporate headline.\"\n\nhonest_trade_offs:\n  - item: \"Visa does not control every part of a cardholder's account experience; issuers administer account terms and make individual account decisions.\"\n    tier: core\n  - item: \"Scale and security claims need dates, scope, and qualifications; broad shorthand can be misleading.\"\n    tier: core\n\nnever_say:\n  - phrase: \"This BCP is official or approved by Visa\"\n    tier: core\n  - phrase: \"Visa will waive your fee, raise your limit, or approve your chargeback\"\n    tier: core\n  - phrase: \"Visa is 100% secure or eliminates all fraud\"\n    tier: core\n\nnever_compare_to:\n  - entity: \"No blanket competitor prohibition was found in the public sources reviewed.\"\n    tier: default\n```\n\n## Comparative claims\n\nComparisons must use current, like-for-like, independently understandable measures with the date and scope visible. Do not infer superiority from Visa's scale alone, and do not use this demonstration as approval for a competitive claim.\n\n## Sources\n\n- https://corporate.visa.com/en/about-visa.html\n- https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm\n- https://corporate.visa.com/en/sites/visa-perspectives/company-news/typewriter-brand-film.html\n- https://corporate.visa.com/en/sites/visa-perspectives/newsroom/visa-milano-cortina-2026-us-brand-campaign.html\n",
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      "content": "---\nbcp_version: \"0.8\"\nfile_type: values\nparent: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand.md\nlast_updated: 2026-09-04\n---\n\n# Values\n\nThis demonstration encodes Visa's published purpose, Leadership Principles, and Data Values. It does not infer a private decision hierarchy or claim Visa owner confirmation.\n\n## 1. Uplift everyone, everywhere\n\n**tier:** core\n\nVisa states its purpose as: **to uplift everyone, everywhere by being the best way to pay and be paid.** Use this as the purpose anchor, not an invented mission statement.\n\nSource: https://corporate.visa.com/en/about-visa.html\n\n## 2. Lead courageously\n\n**tier:** core\n\nAct like an owner, think big, challenge the status quo, and hold yourself and others accountable. Visa describes integrity and long-term growth as part of this principle.\n\nSource: https://corporate.visa.com/en/about-visa/leadership-principles.html\n\n## 3. Obsess about customers\n\n**tier:** core\n\nListen and learn from customers, anticipate end-user needs, create simple solutions, and build trust-based partnerships.\n\nSource: https://corporate.visa.com/en/about-visa/leadership-principles.html\n\n## 4. Collaborate as one Visa\n\n**tier:** core\n\nChampion inclusion and diversity, encourage constructive debate, communicate openly and respectfully, and enable others to succeed.\n\nSource: https://corporate.visa.com/en/about-visa/leadership-principles.html\n\n## 5. Execute with excellence\n\n**tier:** core\n\nDecide with available data, move with a bias for action, strive for simplicity, execute carefully, and change course when new facts emerge.\n\nSource: https://corporate.visa.com/en/about-visa/leadership-principles.html\n\n## Responsible data and AI\n\n```yaml\ndata_values:\n  - value: Security\n    guidance: \"Safeguard the people and organizations that use Visa products, services, and network.\"\n  - value: Control\n    guidance: \"Explain data use simply and support meaningful choice and control.\"\n  - value: Value\n    guidance: \"Use data to benefit individuals, businesses, and economies.\"\n  - value: Fairness\n    guidance: \"Aim for objective, non-discriminatory, explainable, accurate, and safe data-driven systems.\"\n  - value: Accountability\n    guidance: \"Apply responsible data practices throughout processes, training, and management responsibilities.\"\nai_usage: \"Visa extends these values to AI, with governance, monitoring, human oversight, privacy, clearly defined responsibility, and attention to unintended or inaccurate outcomes.\"\nsource: \"https://corporate.visa.com/en/about-visa/crs/securing-commerce.html\"\n```\n\n## Application order\n\nNo public Visa source reviewed for this demonstration defines a universal priority order among these principles. When principles conflict, do not invent one. Use the applicable published policy and route material legal, regulatory, privacy, security, or brand questions to an authorized Visa reviewer.\n\n",
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      "content": "---\nbcp_version: \"0.8\"\nfile_type: visual\nparent: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand.md\nlast_updated: 2026-09-04\n---\n\n# Visual\n\nThis file records public Visa standards, not a complete replacement for Visa's Brand Center or Product Design System. Use approved assets from Visa's official source.\n\n## Brand mark\n\n```yaml\nbrand_mark:\n  name: \"Visa Brand Mark\"\n  preferred_asset_source: \"https://corporate.visa.com/en/about-visa/brand.html\"\n  light_background:\n    color: \"Visa Blue\"\n    hex: \"#1434CB\"\n  dark_background:\n    color: \"White\"\n    hex: \"#FFFFFF\"\n  preferred_use: \"Display the mark fully and clearly, in Visa Blue whenever possible.\"\n  clear_space: \"Use at least the recommended 1X clear space from the current Visa asset guidance.\"\n  naming: \"Write the company and brand name as Visa, not VISA or visa.\"\n  prohibited:\n    - \"Do not use the retired Visa Flag.\"\n    - \"Do not recolor, redraw, stretch, compress, crop, outline, or add effects to the mark.\"\n    - \"Do not place the mark where contrast is insufficient.\"\n  canada_note: \"Visa Canada has specific trademark requirements; use the approved Canada assets and guidance.\"\n  source: \"https://corporate.visa.com/content/dam/VCOM/corporate/about-visa/documents/visa-brand-standards-sept2025.pdf\"\n```\n\n## Color\n\n```yaml\ncolor:\n  tokens:\n    visa_blue:\n      hex: \"#1434CB\"\n      role: primary_brand_mark\n      source: \"Visa Fundamental Brand Standards, September 2025\"\n    white:\n      hex: \"#FFFFFF\"\n      role: reverse_brand_mark_and_light_surface\n      source: \"Visa Fundamental Brand Standards, September 2025\"\n  rules:\n    - \"Use the blue mark on light backgrounds and the white mark on dark backgrounds.\"\n    - \"Do not treat colors scraped from a Visa webpage as approved brand tokens.\"\n    - \"Do not use color alone to convey meaning.\"\n    - \"Meet at least 4.5:1 contrast for normal text and 3:1 for large text and interface components, subject to the current Visa accessibility guidance.\"\n  accessibility_source: \"https://design.visa.com/base-elements/color/accessibility/\"\n```\n\n## Typography\n\n```yaml\ntypography:\n  visa_brand:\n    family: \"Visa Dialect\"\n    usage: \"Visa brand typography; use licensed, approved assets and current Brand Center guidance.\"\n  visa_branded_interfaces:\n    family: \"Visa Dialect UI\"\n    usage: \"Standard typeface for Visa-branded digital interfaces.\"\n  non_visa_branded_browser_experiences:\n    family: \"Open Sans\"\n    usage: \"Recommended by the Visa Product Design System for browser experiences that are not Visa branded.\"\n  unsupported_languages:\n    family: \"Noto Sans\"\n    usage: \"Use for languages not supported by Visa Dialect.\"\n  rules:\n    - \"Use sentence case in nearly all interface scenarios.\"\n    - \"Maintain a clear type hierarchy and follow the current Visa type ramp.\"\n    - \"Use approximately 1.5 line height for body text and readable line lengths.\"\n  source: \"https://design.visa.com/base-elements/typography/usage/\"\n```\n\n## Accessibility and implementation\n\n```yaml\naccessibility:\n  target: \"WCAG 2.2 Level AA\"\n  rules:\n    - \"Provide visible focus and keyboard access.\"\n    - \"Use text or another cue in addition to color.\"\n    - \"Provide meaningful alternative text for informative images and appropriate labels for controls.\"\n    - \"Test contrast using the actual foreground, background, size, and weight.\"\n  source: \"https://design.visa.com/global-accessibility-requirements/\"\nimplementation:\n  - \"Use the current Visa Product Design System for product components and tokens.\"\n  - \"Do not promote incidental CSS values, shadows, spacing, or button styles observed on one Visa page into global brand rules.\"\n  - \"Do not modify Visa sensory-branding assets outside their published standards.\"\n```\n\n## Sources\n\n- Visa Fundamental Brand Standards, September 2025: https://corporate.visa.com/content/dam/VCOM/corporate/about-visa/documents/visa-brand-standards-sept2025.pdf\n- Visa Brand Center: https://corporate.visa.com/en/about-visa/brand.html\n- Visa Product Design System: https://design.visa.com/\n\n",
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      "content": "---\nbcp_version: \"0.8\"\nfile_type: voice\nparent: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand.md\nlast_updated: 2026-09-04\n---\n\n# Voice\n\nVisa's public Product Design System defines three voice qualities: **active, readable, and human**. The default tone is neutral, straightforward, and direct. Tone flexes with context without changing the underlying voice.\n\n## Voice constants\n\n```yaml\nvoice:\n  active:\n    meaning: \"Actionable and global\"\n    guidance: \"Help people complete tasks efficiently with clear language that can work across markets.\"\n    tier: core\n  readable:\n    meaning: \"Clear, concise, thoughtful\"\n    guidance: \"Anticipate questions, make content easy to scan, and simplify complex concepts without losing accuracy.\"\n    tier: core\n  human:\n    meaning: \"Energetic, authentic, personable\"\n    guidance: \"Use inclusive, conversational language that is neither too formal nor too casual and never robotic.\"\n    tier: core\n```\n\n## Tone by context\n\n```yaml\ncontexts:\n  default:\n    tone: \"Neutral, straightforward, direct\"\n    tier: core\n  success:\n    tone: \"Celebratory\"\n    guidance: \"Positive and congratulatory without exaggerated enthusiasm.\"\n    tier: default\n  instructions_and_support:\n    tone: \"Supportive\"\n    guidance: \"Helpful, engaging, and focused on the next useful action.\"\n    tier: default\n  errors_and_alerts:\n    tone: \"Professional\"\n    guidance: \"Clear, calm, direct, and non-accusatory; explain the simplest corrective action.\"\n    tier: core\n  onboarding:\n    tone: \"Welcoming\"\n    guidance: \"Inviting and encouraging while remaining concise.\"\n    tier: default\n```\n\n## We are / we are not\n\n| We are | We are not |\n|---|---|\n| Active and actionable | Passive or indirect by default |\n| Clear and concise | Complex or intimidating |\n| Thoughtful and useful | Vague |\n| Human and inclusive | Robotic |\n| Helpful | Accusatory or patronizing |\n\n## Vocabulary\n\n```yaml\nprefer:\n  - word: \"clear command verbs in calls to action\"\n    tier: core\n    rationale: \"The Visa grammar guide says actions should make the result clear, such as Save, Apply, or Send.\"\n  - word: \"issuer or financial institution\"\n    tier: core\n    rationale: \"Use the responsible party when account terms, card decisions, disputes, or refunds are involved.\"\n  - word: \"network\"\n    tier: default\n    rationale: \"Visa publicly describes itself as a trusted network.\"\navoid:\n  - word: \"technical jargon, unexplained codes, and undefined acronyms\"\n    tier: core\n    rationale: \"These make guidance harder to understand and assume specialist knowledge.\"\n  - word: \"blaming language\"\n    tier: core\n    rationale: \"Error and alert copy should not accuse the user.\"\n  - word: \"overly playful jokes or culture-specific wordplay\"\n    tier: default\n    rationale: \"They may not translate or be widely understood.\"\n  - word: \"absolute security language\"\n    tier: core\n    rationale: \"Do not turn Visa's security work into an unqualified guarantee.\"\n```\n\n## Grammar and formatting\n\n```yaml\nactive_voice: \"Prefer for success, instructions, and neutral updates.\"\npassive_voice: \"Use when it makes a sensitive error or legal statement less accusatory.\"\nsentence_case: true\noxford_comma: true\ncontractions: \"Use where they make language more conversational and human.\"\nheadings_labels_buttons_terminal_punctuation: false\nexclamation_points: \"Use sparingly; no more than one on a page or view, and only when the context supports it.\"\ncalls_to_action: \"Start with a command verb except for familiar navigation such as Next or Back.\"\nacronyms: \"Define on first use unless the audience unquestionably knows them.\"\nsymbols_as_words: \"Avoid replacing words such as and with symbols in prose.\"\nreadability_target: \"For product and documentation content, aim for approximately a sixth-grade reading level when accuracy permits.\"\n```\n\n## Examples\n\n| On-brand | Off-brand |\n|---|---|\n| \"Enter your card details, then select Continue\" | \"Cardholder credentials must be inputted prior to proceeding\" |\n| \"Something went wrong. Wait a few minutes and try again\" | \"You made an error while processing your transaction\" |\n| \"Contact your issuer for details about your account\" | \"Visa will waive the fee\" |\n| \"Your file was saved\" | \"We're incredibly thrilled to announce that your file was successfully saved!\" |\n\n## Sources\n\n- Voice and tone: https://design.visa.com/content/voice-and-tone/\n- Grammar and punctuation: https://design.visa.com/content/grammar/\n- Messaging: https://design.visa.com/content/messaging/\n- Readability: https://design.visa.com/content/readability/\n\n",
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      "content": "---\nbcp_version: \"0.8\"\nfile_type: anti_ai\nparent: https://registry.brandcontextprotocol.dev/visa-f26a1c9f/.well-known/brand.md\nlast_updated: 2026-09-04\n---\n\n# Anti-AI voice\n\nUse Visa's published content rules, not a generic banned-word list. A word is not off-brand merely because models overuse it; judge whether the sentence is clear, useful, accurate, and appropriate to the context.\n\n```yaml\ncommunity_reference:\n  - url: \"https://design.visa.com/content/voice-and-tone/\"\n    rationale: \"Visa's own public voice-and-tone guidance is the primary reference for this demonstration.\"\n  - url: \"https://design.visa.com/content/messaging/\"\n    rationale: \"Visa's messaging guidance defines how to keep alerts clear, helpful, direct, and non-accusatory.\"\n\nbrand_additions:\n  - type: tone\n    pattern: \"accusatory, patronizing, robotic, vague, or needlessly complex language\"\n    tier: core\n    correction: \"Use neutral, clear, helpful language and give the next useful action.\"\n  - type: structure\n    pattern: \"long setup before the user's action or answer\"\n    tier: default\n    correction: \"Lead with the result or action, then add only the context needed.\"\n  - type: error_message\n    pattern: \"blaming the user or exposing technical codes without explanation\"\n    tier: core\n    correction: \"State what happened calmly and provide the simplest corrective step.\"\n  - type: enthusiasm\n    pattern: \"multiple exclamation points or exaggerated celebration\"\n    tier: default\n    correction: \"Use restrained, context-appropriate energy; at most one exclamation point on a page or view.\"\n  - type: jargon\n    pattern: \"undefined acronyms or specialist payment terminology for a general audience\"\n    tier: core\n    correction: \"Use plain language or define the term on first use.\"\n  - type: claim\n    pattern: \"generic superlatives, fabricated certainty, or unsupported security guarantees\"\n    tier: core\n    correction: \"Use a sourced, qualified claim or remove it.\"\n  - type: localization\n    pattern: \"idioms, puns, or culture-specific wordplay that does not travel across markets\"\n    tier: default\n    correction: \"Choose globally understandable wording.\"\n```\n\n## Final test\n\nBefore approving copy, ask:\n\n1. Is the action or answer easy to find?\n2. Does the language sound active, readable, and human?\n3. Is it neutral and direct unless the context calls for a supported tone flex?\n4. Does it identify the correct actor—Visa, the issuer, the merchant, or another party?\n5. Are claims and metrics sourced, qualified, and current enough for the use?\n\nSource: https://design.visa.com/content/voice-and-tone/\n",
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    {
      "path": "/.well-known/DESIGN.md",
      "content": "---\nversion: alpha\nname: Visa\ncolors:\n  surface: \"#FFFFFF\"\n  secondary: \"#5C5C5C\"\n  text: \"#000000\"\n  primary: \"#1A1E73\"\n  neutral-5: \"#CCCCCC\"\n  accent: \"#86BB40\"\n  text-inverse: \"#FFFFFF\"\n  surface-inverse: \"#000000\"\ntypography:\n  display:\n    fontFamily: Dialect\n  body:\n    fontFamily: open-sans\nrounded:\n  sm: 0px\n  md: 20px\nspacing:\n  sm: 5px\n  md: 6px\n  lg: 7px\n  xl: 8px\n  2xl: 10px\n  step-6: 15px\n  step-7: 20px\n  step-8: 25px\ncomponents:\n  button-primary:\n    textColor: \"#1a1e73\"\n  button-2:\n    backgroundColor: \"#86bb40\"\n    textColor: \"#ffffff\"\n    padding: \"7px 10px\"\n  button-3:\n    backgroundColor: \"#1a1e73\"\n    textColor: \"#ffffff\"\n    rounded: 5px\n    padding: \"2px 10px\"\n---\n\n## Colors\n\n- **surface (#FFFFFF):** surface role.\n- **secondary (#5C5C5C):** secondary role.\n- **text (#000000):** text role.\n- **primary (#1A1E73):** primary role.\n- **neutral-5 (#CCCCCC):** neutral role.\n- **accent (#86BB40):** accent role.\n- **text-inverse (#FFFFFF):** text-inverse role.\n- **surface-inverse (#000000):** surface-inverse role.\n\n## Typography\n\n- **Dialect:** dialect\n- **open-sans:** open_sans\n\n## Layout\n\n- Corner radius scale: 0, 20 px\n- Spacing scale: 5, 6, 7, 8, 10, 15, 20, 25 px\n- Container max-width: 645 px\n\n## Elevation & Depth\n\n- `0 0 3px rgba(0, 0, 0, 0.5)`\n\n## Components\n\n- **button-primary:** text #1a1e73\n- **button-2:** background #86bb40, text #ffffff\n- **button-3:** background #1a1e73, text #ffffff, radius 5px\n",
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