Four axioms of banking practice define a universal quotient Q_public through which all API morphisms factor epi-mono, with 14 jurisdictionally invariant dimensions confirmed by Gaussian elimination on 4590 endpoints and left skew monoidal structure.
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A Universal Quotient of Banking APIs
Four axioms of banking practice define a universal quotient Q_public through which all API morphisms factor epi-mono, with 14 jurisdictionally invariant dimensions confirmed by Gaussian elimination on 4590 endpoints and left skew monoidal structure.