What UD might replace
Uncontrolled emailed copies, filename-only versioning and verification that requires portal access.
Financial records · claims-bounded evaluation
Universal Document Financial Records Architecture
A portable document/trust layer at the boundary between financial systems, humans and organizations.
What UD should coexist with
Core banking, ledgers, payment rails, SWIFT, FIX, accounting, trading, custody, XBRL, DMS, audit and regulatory filing systems.
Architecture
Document identity, issuer/source, provenance, approvals, revision history, exact final state, correction/restatement, supersession, verification, BrowserCarrier, PDF compatibility and structured-data coexistence.
Limitations
Integrity does not prove numerical accuracy, compliance, economic truth, issuer authority or regulatory acceptance.