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residential_closing

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residential_closing [2026/05/20 03:58] – created adminresidential_closing [2026/06/10 14:26] (current) – [Modify diagram with the graphical editor] admin
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 +====== Residential Closing with Tokenization Fork ======
 +
 +//Process owner: [[legal-engineers:kyler-wandler|Kyler Wandler]]//\\
 +//Type: Business Process (BPMN 2.0)//\\
 +//Jurisdiction: [STATE] (escrow-state assumption)//
 +
 +This process models a residential real estate closing in [STATE] with explicit branching for the funding type. The traditional financing path and the crypto-funded path are modeled as one process rather than two, because the title work, RESPA timing, and recording steps are common to both — only the funding leg diverges.
 +
 +
 +===== Description =====
 +
 +The process starts when the purchase agreement is fully signed. Two parallel tracks then run concurrently: title work, and funding. Both must complete before the RESPA-mandated waiting period begins.
 +
 +==== Title work (top branch) ====
 +
 +  - **Title search ordered** — title company runs the chain.
 +  - **Title insurance bound** — owner's policy and (if traditional financing) lender's policy.
 +
 +==== Funding (bottom branch) ====
 +
 +The funding branch contains an exclusive gateway on funding type:
 +
 +  * **Traditional financing path** — loan application → underwriting → clear-to-close. Standard residential mortgage workflow.
 +  * **Crypto-funded path** — wrapper entity formation (LLC by default in [STATE]; series LLC where supported) → OFAC/BSA compliance check → crypto held in escrow (qualified custodian) → conversion or direct settlement at closing.
 +
 +The two sub-paths converge at "funds verified" before joining the title branch.
 +
 +==== Common steps (after join) ====
 +
 +  - **RESPA waiting period (timer event)** — Closing Disclosure must be delivered at least 3 business days before consummation under TRID. Modeled here as an intermediate timer event.
 +  - **Deliver Closing Disclosure**
 +  - **Closing executed** — signing.
 +  - **Deed recorded** — recording with the [STATE] county recorder. Recording timing depends on whether [STATE] is a race, notice, or race-notice jurisdiction.
 +
 +===== Decision logic =====
 +
 +The funding-type decision routes based on a single input — declared funding source on the purchase agreement — but downstream compliance requirements differ substantially:
 +
 +^ Funding type ^ Wrapper entity required ^ OFAC/BSA check ^ Custodian required ^
 +| Traditional cash/mortgage | No | No (handled by lender) | No |
 +| Crypto, direct | Recommended | Yes | Yes |
 +| Crypto, via tokenized SPV | Yes | Yes | Yes |
 +| Hybrid (partial crypto) | Case-by-case | Yes | Yes |
 +
 +===== Inputs =====
 +
 +  * Fully executed purchase agreement
 +  * Buyer KYC documentation
 +  * Source of funds documentation (heightened scrutiny on crypto branches)
 +  * Property legal description
 +
 +===== Outputs =====
 +
 +  * Recorded deed
 +  * Title insurance policies issued
 +  * Compliance file (retained per BSA recordkeeping requirements on crypto branches)
 +
 +===== Open questions for review =====
 +
 +  * Does the 3-business-day TRID window apply identically when settlement is crypto-funded? Edge cases around "consummation" timing have not been definitively addressed by CFPB guidance.
 +  * Is "wrapper entity formation" the right level of abstraction, or should this expand into a sub-process showing the entity-selection decision (LLC vs series LLC vs trust vs DAO-LLC)?
 +  * Should OFAC/BSA check sit before or after wrapper formation? Compliance practice varies.
 +  * Recording-before-funding vs funding-before-recording — modeled here as funding-before-recording per [STATE] assumption. May not match local practice.
 +
 +===== Related =====
 +
 +  * [[processes:legislative-intake|Legislative Intake]] — upstream source of changes to tokenization rules that affect this process
 +  * [[decisions:paralegal-upl-scope|Paralegal UPL Scope]] — defines what scope a paralegal can perform in this process without attorney sign-off
 +
 +----
 +
 +===== Diagram =====
 +
 +
 <bpmnio type="bpmn"> <bpmnio type="bpmn">
 <?xml version="1.0" encoding="UTF-8"?> <?xml version="1.0" encoding="UTF-8"?>
-<bpmn:definitions xmlns:bpmn="http://www.omg.org/spec/BPMN/20100524/MODEL" +<bpmn:definitions xmlns:bpmn="http://www.omg.org/spec/BPMN/20100524/MODEL" xmlns:bpmndi="http://www.omg.org/spec/BPMN/20100524/DI" xmlns:di="http://www.omg.org/spec/DD/20100524/DI" xmlns:dc="http://www.omg.org/spec/DD/20100524/DC" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" id="Definitions_ResidentialClosingTokenization" targetNamespace="http://lexipedia.xyz/bpmn">
-                  xmlns:bpmndi="http://www.omg.org/spec/BPMN/20100524/DI" +
-                  xmlns:di="http://www.omg.org/spec/DD/20100524/DI" +
-                  xmlns:dc="http://www.omg.org/spec/DD/20100524/DC" +
-                  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" +
-                  id="Definitions_ResidentialClosingTokenization" +
-                  targetNamespace="http://lexipedia.xyz/bpmn">+
   <bpmn:process id="Process_ResidentialClosing" name="Residential Closing with Tokenization Fork" isExecutable="false">   <bpmn:process id="Process_ResidentialClosing" name="Residential Closing with Tokenization Fork" isExecutable="false">
     <bpmn:startEvent id="StartEvent_Signed" name="Purchase agreement signed">     <bpmn:startEvent id="StartEvent_Signed" name="Purchase agreement signed">
Line 30: Line 98:
       <bpmn:outgoing>Flow_Crypto</bpmn:outgoing>       <bpmn:outgoing>Flow_Crypto</bpmn:outgoing>
     </bpmn:exclusiveGateway>     </bpmn:exclusiveGateway>
-    <bpmn:task id="Task_LoanUnderwriting" name="Loan underwriting and clear-to-close"> 
-      <bpmn:incoming>Flow_Traditional</bpmn:incoming> 
-      <bpmn:outgoing>Flow_TradOut</bpmn:outgoing> 
-    </bpmn:task> 
     <bpmn:task id="Task_WrapperEntity" name="Form wrapper entity (LLC by default)">     <bpmn:task id="Task_WrapperEntity" name="Form wrapper entity (LLC by default)">
       <bpmn:incoming>Flow_Crypto</bpmn:incoming>       <bpmn:incoming>Flow_Crypto</bpmn:incoming>
Line 63: Line 127:
       <bpmn:incoming>Flow_ToTimer</bpmn:incoming>       <bpmn:incoming>Flow_ToTimer</bpmn:incoming>
       <bpmn:outgoing>Flow_PostTimer</bpmn:outgoing>       <bpmn:outgoing>Flow_PostTimer</bpmn:outgoing>
-      <bpmn:timerEventDefinition id="TimerDef_RESPA"/>+      <bpmn:timerEventDefinition id="TimerDef_RESPA" />
     </bpmn:intermediateCatchEvent>     </bpmn:intermediateCatchEvent>
     <bpmn:task id="Task_DeliverCD" name="Deliver Closing Disclosure">     <bpmn:task id="Task_DeliverCD" name="Deliver Closing Disclosure">
Line 80: Line 144:
       <bpmn:incoming>Flow_ToEnd</bpmn:incoming>       <bpmn:incoming>Flow_ToEnd</bpmn:incoming>
     </bpmn:endEvent>     </bpmn:endEvent>
-    <bpmn:sequenceFlow id="Flow_Start" sourceRef="StartEvent_Signed" targetRef="Gateway_SplitWork"/> +    <bpmn:sequenceFlow id="Flow_Start" sourceRef="StartEvent_Signed" targetRef="Gateway_SplitWork" /> 
-    <bpmn:sequenceFlow id="Flow_ToTitle" sourceRef="Gateway_SplitWork" targetRef="Task_TitleSearch"/> +    <bpmn:sequenceFlow id="Flow_ToTitle" sourceRef="Gateway_SplitWork" targetRef="Task_TitleSearch" /> 
-    <bpmn:sequenceFlow id="Flow_ToFunding" sourceRef="Gateway_SplitWork" targetRef="Gateway_FundingType"/> +    <bpmn:sequenceFlow id="Flow_ToFunding" sourceRef="Gateway_SplitWork" targetRef="Gateway_FundingType" /> 
-    <bpmn:sequenceFlow id="Flow_TitleA" sourceRef="Task_TitleSearch" targetRef="Task_TitleInsurance"/> +    <bpmn:sequenceFlow id="Flow_TitleA" sourceRef="Task_TitleSearch" targetRef="Task_TitleInsurance" /> 
-    <bpmn:sequenceFlow id="Flow_TitleB" sourceRef="Task_TitleInsurance" targetRef="Gateway_Join"/> +    <bpmn:sequenceFlow id="Flow_TitleB" sourceRef="Task_TitleInsurance" targetRef="Gateway_Join" /> 
-    <bpmn:sequenceFlow id="Flow_Traditional" name="Traditional" sourceRef="Gateway_FundingType" targetRef="Task_LoanUnderwriting"/> +    <bpmn:sequenceFlow id="Flow_Traditional" name="Traditional" sourceRef="Gateway_FundingType" targetRef="Task_LoanUnderwriting" /> 
-    <bpmn:sequenceFlow id="Flow_Crypto" name="Crypto" sourceRef="Gateway_FundingType" targetRef="Task_WrapperEntity"/> +    <bpmn:sequenceFlow id="Flow_Crypto" name="Crypto" sourceRef="Gateway_FundingType" targetRef="Task_WrapperEntity" /> 
-    <bpmn:sequenceFlow id="Flow_Crypto2" sourceRef="Task_WrapperEntity" targetRef="Task_Compliance"/> +    <bpmn:sequenceFlow id="Flow_Crypto2" sourceRef="Task_WrapperEntity" targetRef="Task_Compliance" /> 
-    <bpmn:sequenceFlow id="Flow_Crypto3" sourceRef="Task_Compliance" targetRef="Task_CryptoEscrow"/> +    <bpmn:sequenceFlow id="Flow_Crypto3" sourceRef="Task_Compliance" targetRef="Task_CryptoEscrow" /> 
-    <bpmn:sequenceFlow id="Flow_TradOut" sourceRef="Task_LoanUnderwriting" targetRef="Gateway_FundingJoin"/> +    <bpmn:sequenceFlow id="Flow_TradOut" sourceRef="Task_LoanUnderwriting" targetRef="Gateway_FundingJoin" /> 
-    <bpmn:sequenceFlow id="Flow_CryptoOut" sourceRef="Task_CryptoEscrow" targetRef="Gateway_FundingJoin"/> +    <bpmn:sequenceFlow id="Flow_CryptoOut" sourceRef="Task_CryptoEscrow" targetRef="Gateway_FundingJoin" /> 
-    <bpmn:sequenceFlow id="Flow_FundsVerified" sourceRef="Gateway_FundingJoin" targetRef="Task_FundsVerified"/> +    <bpmn:sequenceFlow id="Flow_FundsVerified" sourceRef="Gateway_FundingJoin" targetRef="Task_FundsVerified" /> 
-    <bpmn:sequenceFlow id="Flow_FundsOut" sourceRef="Task_FundsVerified" targetRef="Gateway_Join"/> +    <bpmn:sequenceFlow id="Flow_FundsOut" sourceRef="Task_FundsVerified" targetRef="Gateway_Join" /> 
-    <bpmn:sequenceFlow id="Flow_ToTimer" sourceRef="Gateway_Join" targetRef="Timer_RESPA"/> +    <bpmn:sequenceFlow id="Flow_ToTimer" sourceRef="Gateway_Join" targetRef="Timer_RESPA" /> 
-    <bpmn:sequenceFlow id="Flow_PostTimer" sourceRef="Timer_RESPA" targetRef="Task_DeliverCD"/> +    <bpmn:sequenceFlow id="Flow_PostTimer" sourceRef="Timer_RESPA" targetRef="Task_DeliverCD" /> 
-    <bpmn:sequenceFlow id="Flow_ToClose" sourceRef="Task_DeliverCD" targetRef="Task_Closing"/> +    <bpmn:sequenceFlow id="Flow_ToClose" sourceRef="Task_DeliverCD" targetRef="Task_Closing" /> 
-    <bpmn:sequenceFlow id="Flow_ToRecord" sourceRef="Task_Closing" targetRef="Task_Recording"/> +    <bpmn:sequenceFlow id="Flow_ToRecord" sourceRef="Task_Closing" targetRef="Task_Recording" /> 
-    <bpmn:sequenceFlow id="Flow_ToEnd" sourceRef="Task_Recording" targetRef="EndEvent_Transferred"/>+    <bpmn:sequenceFlow id="Flow_ToEnd" sourceRef="Task_Recording" targetRef="EndEvent_Transferred" /> 
 +    <bpmn:userTask id="Task_LoanUnderwriting" name="Loan underwriting and clear-to-close"> 
 +      <bpmn:incoming>Flow_Traditional</bpmn:incoming> 
 +      <bpmn:outgoing>Flow_TradOut</bpmn:outgoing> 
 +    </bpmn:userTask>
   </bpmn:process>   </bpmn:process>
   <bpmndi:BPMNDiagram id="BPMNDiagram_1">   <bpmndi:BPMNDiagram id="BPMNDiagram_1">
     <bpmndi:BPMNPlane id="BPMNPlane_1" bpmnElement="Process_ResidentialClosing">     <bpmndi:BPMNPlane id="BPMNPlane_1" bpmnElement="Process_ResidentialClosing">
       <bpmndi:BPMNShape id="StartEvent_Signed_di" bpmnElement="StartEvent_Signed">       <bpmndi:BPMNShape id="StartEvent_Signed_di" bpmnElement="StartEvent_Signed">
-        <dc:Bounds x="100" y="280" width="36" height="36"/> +        <dc:Bounds x="100" y="280" width="36" height="36" /> 
-        <bpmndi:BPMNLabel><dc:Bounds x="70" y="320" width="100" height="30"/></bpmndi:BPMNLabel>+        <bpmndi:BPMNLabel> 
 +          <dc:Bounds x="70" y="320" width="100" height="30" /> 
 +        </bpmndi:BPMNLabel>
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Gateway_SplitWork_di" bpmnElement="Gateway_SplitWork">       <bpmndi:BPMNShape id="Gateway_SplitWork_di" bpmnElement="Gateway_SplitWork">
-        <dc:Bounds x="190" y="273" width="50" height="50"/>+        <dc:Bounds x="190" y="273" width="50" height="50" />
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Task_TitleSearch_di" bpmnElement="Task_TitleSearch">       <bpmndi:BPMNShape id="Task_TitleSearch_di" bpmnElement="Task_TitleSearch">
-        <dc:Bounds x="290" y="130" width="140" height="80"/>+        <dc:Bounds x="290" y="130" width="140" height="80" />
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Task_TitleInsurance_di" bpmnElement="Task_TitleInsurance">       <bpmndi:BPMNShape id="Task_TitleInsurance_di" bpmnElement="Task_TitleInsurance">
-        <dc:Bounds x="470" y="130" width="140" height="80"/>+        <dc:Bounds x="470" y="130" width="140" height="80" />
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Gateway_FundingType_di" bpmnElement="Gateway_FundingType" isMarkerVisible="true">       <bpmndi:BPMNShape id="Gateway_FundingType_di" bpmnElement="Gateway_FundingType" isMarkerVisible="true">
-        <dc:Bounds x="295" y="385" width="50" height="50"/> +        <dc:Bounds x="295" y="385" width="50" height="50" /> 
-        <bpmndi:BPMNLabel><dc:Bounds x="280" y="445" width="80" height="20"/></bpmndi:BPMNLabel> +        <bpmndi:BPMNLabel> 
-      </bpmndi:BPMNShape> +          <dc:Bounds x="355" y="403" width="70" height="14" /> 
-      <bpmndi:BPMNShape id="Task_LoanUnderwriting_di" bpmnElement="Task_LoanUnderwriting"> +        </bpmndi:BPMNLabel>
-        <dc:Bounds x="400" y="320" width="160" height="60"/>+
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Task_WrapperEntity_di" bpmnElement="Task_WrapperEntity">       <bpmndi:BPMNShape id="Task_WrapperEntity_di" bpmnElement="Task_WrapperEntity">
-        <dc:Bounds x="400" y="440" width="160" height="60"/>+        <dc:Bounds x="400" y="440" width="160" height="60" />
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Task_Compliance_di" bpmnElement="Task_Compliance">       <bpmndi:BPMNShape id="Task_Compliance_di" bpmnElement="Task_Compliance">
-        <dc:Bounds x="580" y="440" width="140" height="60"/>+        <dc:Bounds x="580" y="440" width="140" height="60" />
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Task_CryptoEscrow_di" bpmnElement="Task_CryptoEscrow">       <bpmndi:BPMNShape id="Task_CryptoEscrow_di" bpmnElement="Task_CryptoEscrow">
-        <dc:Bounds x="740" y="440" width="160" height="60"/>+        <dc:Bounds x="740" y="440" width="160" height="60" />
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Gateway_FundingJoin_di" bpmnElement="Gateway_FundingJoin" isMarkerVisible="true">       <bpmndi:BPMNShape id="Gateway_FundingJoin_di" bpmnElement="Gateway_FundingJoin" isMarkerVisible="true">
-        <dc:Bounds x="935" y="385" width="50" height="50"/>+        <dc:Bounds x="935" y="385" width="50" height="50" />
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Task_FundsVerified_di" bpmnElement="Task_FundsVerified">       <bpmndi:BPMNShape id="Task_FundsVerified_di" bpmnElement="Task_FundsVerified">
-        <dc:Bounds x="1040" y="380" width="140" height="60"/>+        <dc:Bounds x="1040" y="380" width="140" height="60" />
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Gateway_Join_di" bpmnElement="Gateway_Join">       <bpmndi:BPMNShape id="Gateway_Join_di" bpmnElement="Gateway_Join">
-        <dc:Bounds x="1235" y="273" width="50" height="50"/>+        <dc:Bounds x="1235" y="273" width="50" height="50" />
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Timer_RESPA_di" bpmnElement="Timer_RESPA">       <bpmndi:BPMNShape id="Timer_RESPA_di" bpmnElement="Timer_RESPA">
-        <dc:Bounds x="1335" y="280" width="36" height="36"/> +        <dc:Bounds x="1335" y="280" width="36" height="36" /> 
-        <bpmndi:BPMNLabel><dc:Bounds x="1305" y="320" width="100" height="30"/></bpmndi:BPMNLabel>+        <bpmndi:BPMNLabel> 
 +          <dc:Bounds x="1305" y="320" width="100" height="30" /> 
 +        </bpmndi:BPMNLabel>
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Task_DeliverCD_di" bpmnElement="Task_DeliverCD">       <bpmndi:BPMNShape id="Task_DeliverCD_di" bpmnElement="Task_DeliverCD">
-        <dc:Bounds x="1420" y="258" width="160" height="80"/>+        <dc:Bounds x="1420" y="258" width="160" height="80" />
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Task_Closing_di" bpmnElement="Task_Closing">       <bpmndi:BPMNShape id="Task_Closing_di" bpmnElement="Task_Closing">
-        <dc:Bounds x="1620" y="258" width="160" height="80"/>+        <dc:Bounds x="1620" y="258" width="160" height="80" />
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Task_Recording_di" bpmnElement="Task_Recording">       <bpmndi:BPMNShape id="Task_Recording_di" bpmnElement="Task_Recording">
-        <dc:Bounds x="1820" y="258" width="180" height="80"/>+        <dc:Bounds x="1820" y="258" width="180" height="80" />
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="EndEvent_Transferred_di" bpmnElement="EndEvent_Transferred">       <bpmndi:BPMNShape id="EndEvent_Transferred_di" bpmnElement="EndEvent_Transferred">
-        <dc:Bounds x="2040" y="280" width="36" height="36"/> +        <dc:Bounds x="2040" y="280" width="36" height="36" /> 
-        <bpmndi:BPMNLabel><dc:Bounds x="2010" y="320" width="100" height="20"/></bpmndi:BPMNLabel>+        <bpmndi:BPMNLabel> 
 +          <dc:Bounds x="2010" y="320" width="100" height="20" /> 
 +        </bpmndi:BPMNLabel> 
 +      </bpmndi:BPMNShape> 
 +      <bpmndi:BPMNShape id="Activity_0w7isyi_di" bpmnElement="Task_LoanUnderwriting"> 
 +        <dc:Bounds x="400" y="320" width="100" height="80" />
       </bpmndi:BPMNShape>       </bpmndi:BPMNShape>
       <bpmndi:BPMNEdge id="Flow_Start_di" bpmnElement="Flow_Start">       <bpmndi:BPMNEdge id="Flow_Start_di" bpmnElement="Flow_Start">
-        <di:waypoint x="136" y="298"/><di:waypoint x="190" y="298"/>+        <di:waypoint x="136" y="298" /> 
 +        <di:waypoint x="190" y="298" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_ToTitle_di" bpmnElement="Flow_ToTitle">       <bpmndi:BPMNEdge id="Flow_ToTitle_di" bpmnElement="Flow_ToTitle">
-        <di:waypoint x="215" y="273"/><di:waypoint x="215" y="170"/><di:waypoint x="290" y="170"/>+        <di:waypoint x="215" y="273" /> 
 +        <di:waypoint x="215" y="170" /> 
 +        <di:waypoint x="290" y="170" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_ToFunding_di" bpmnElement="Flow_ToFunding">       <bpmndi:BPMNEdge id="Flow_ToFunding_di" bpmnElement="Flow_ToFunding">
-        <di:waypoint x="215" y="323"/><di:waypoint x="215" y="410"/><di:waypoint x="295" y="410"/>+        <di:waypoint x="215" y="323" /> 
 +        <di:waypoint x="215" y="410" /> 
 +        <di:waypoint x="295" y="410" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_TitleA_di" bpmnElement="Flow_TitleA">       <bpmndi:BPMNEdge id="Flow_TitleA_di" bpmnElement="Flow_TitleA">
-        <di:waypoint x="430" y="170"/><di:waypoint x="470" y="170"/>+        <di:waypoint x="430" y="170" /> 
 +        <di:waypoint x="470" y="170" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_TitleB_di" bpmnElement="Flow_TitleB">       <bpmndi:BPMNEdge id="Flow_TitleB_di" bpmnElement="Flow_TitleB">
-        <di:waypoint x="610" y="170"/><di:waypoint x="1260" y="170"/><di:waypoint x="1260" y="273"/>+        <di:waypoint x="610" y="170" /> 
 +        <di:waypoint x="1260" y="170" /> 
 +        <di:waypoint x="1260" y="273" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_Traditional_di" bpmnElement="Flow_Traditional">       <bpmndi:BPMNEdge id="Flow_Traditional_di" bpmnElement="Flow_Traditional">
-        <di:waypoint x="320" y="385"/><di:waypoint x="320" y="350"/><di:waypoint x="400" y="350"/> +        <di:waypoint x="320" y="385" /> 
-        <bpmndi:BPMNLabel><dc:Bounds x="328" y="360" width="60" height="14"/></bpmndi:BPMNLabel>+        <di:waypoint x="320" y="350" /> 
 +        <di:waypoint x="400" y="350" /> 
 +        <bpmndi:BPMNLabel> 
 +          <dc:Bounds x="333" y="360" width="51" height="14" /> 
 +        </bpmndi:BPMNLabel>
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_Crypto_di" bpmnElement="Flow_Crypto">       <bpmndi:BPMNEdge id="Flow_Crypto_di" bpmnElement="Flow_Crypto">
-        <di:waypoint x="320" y="435"/><di:waypoint x="320" y="470"/><di:waypoint x="400" y="470"/> +        <di:waypoint x="320" y="435" /> 
-        <bpmndi:BPMNLabel><dc:Bounds x="330" y="475" width="50" height="14"/></bpmndi:BPMNLabel>+        <di:waypoint x="320" y="470" /> 
 +        <di:waypoint x="400" y="470" /> 
 +        <bpmndi:BPMNLabel> 
 +          <dc:Bounds x="330" y="475" width="50" height="14" /> 
 +        </bpmndi:BPMNLabel>
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_Crypto2_di" bpmnElement="Flow_Crypto2">       <bpmndi:BPMNEdge id="Flow_Crypto2_di" bpmnElement="Flow_Crypto2">
-        <di:waypoint x="560" y="470"/><di:waypoint x="580" y="470"/>+        <di:waypoint x="560" y="470" /> 
 +        <di:waypoint x="580" y="470" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_Crypto3_di" bpmnElement="Flow_Crypto3">       <bpmndi:BPMNEdge id="Flow_Crypto3_di" bpmnElement="Flow_Crypto3">
-        <di:waypoint x="720" y="470"/><di:waypoint x="740" y="470"/>+        <di:waypoint x="720" y="470" /> 
 +        <di:waypoint x="740" y="470" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_TradOut_di" bpmnElement="Flow_TradOut">       <bpmndi:BPMNEdge id="Flow_TradOut_di" bpmnElement="Flow_TradOut">
-        <di:waypoint x="560" y="350"/><di:waypoint x="960" y="350"/><di:waypoint x="960" y="385"/>+        <di:waypoint x="500" y="350" /> 
 +        <di:waypoint x="960" y="350" /> 
 +        <di:waypoint x="960" y="385" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_CryptoOut_di" bpmnElement="Flow_CryptoOut">       <bpmndi:BPMNEdge id="Flow_CryptoOut_di" bpmnElement="Flow_CryptoOut">
-        <di:waypoint x="900" y="470"/><di:waypoint x="960" y="470"/><di:waypoint x="960" y="435"/>+        <di:waypoint x="900" y="470" /> 
 +        <di:waypoint x="960" y="470" /> 
 +        <di:waypoint x="960" y="435" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_FundsVerified_di" bpmnElement="Flow_FundsVerified">       <bpmndi:BPMNEdge id="Flow_FundsVerified_di" bpmnElement="Flow_FundsVerified">
-        <di:waypoint x="985" y="410"/><di:waypoint x="1040" y="410"/>+        <di:waypoint x="985" y="410" /> 
 +        <di:waypoint x="1040" y="410" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_FundsOut_di" bpmnElement="Flow_FundsOut">       <bpmndi:BPMNEdge id="Flow_FundsOut_di" bpmnElement="Flow_FundsOut">
-        <di:waypoint x="1180" y="410"/><di:waypoint x="1260" y="410"/><di:waypoint x="1260" y="323"/>+        <di:waypoint x="1180" y="410" /> 
 +        <di:waypoint x="1260" y="410" /> 
 +        <di:waypoint x="1260" y="323" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_ToTimer_di" bpmnElement="Flow_ToTimer">       <bpmndi:BPMNEdge id="Flow_ToTimer_di" bpmnElement="Flow_ToTimer">
-        <di:waypoint x="1285" y="298"/><di:waypoint x="1335" y="298"/>+        <di:waypoint x="1285" y="298" /> 
 +        <di:waypoint x="1335" y="298" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_PostTimer_di" bpmnElement="Flow_PostTimer">       <bpmndi:BPMNEdge id="Flow_PostTimer_di" bpmnElement="Flow_PostTimer">
-        <di:waypoint x="1371" y="298"/><di:waypoint x="1420" y="298"/>+        <di:waypoint x="1371" y="298" /> 
 +        <di:waypoint x="1420" y="298" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_ToClose_di" bpmnElement="Flow_ToClose">       <bpmndi:BPMNEdge id="Flow_ToClose_di" bpmnElement="Flow_ToClose">
-        <di:waypoint x="1580" y="298"/><di:waypoint x="1620" y="298"/>+        <di:waypoint x="1580" y="298" /> 
 +        <di:waypoint x="1620" y="298" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_ToRecord_di" bpmnElement="Flow_ToRecord">       <bpmndi:BPMNEdge id="Flow_ToRecord_di" bpmnElement="Flow_ToRecord">
-        <di:waypoint x="1780" y="298"/><di:waypoint x="1820" y="298"/>+        <di:waypoint x="1780" y="298" /> 
 +        <di:waypoint x="1820" y="298" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_ToEnd_di" bpmnElement="Flow_ToEnd">       <bpmndi:BPMNEdge id="Flow_ToEnd_di" bpmnElement="Flow_ToEnd">
-        <di:waypoint x="2000" y="298"/><di:waypoint x="2040" y="298"/>+        <di:waypoint x="2000" y="298" /> 
 +        <di:waypoint x="2040" y="298" />
       </bpmndi:BPMNEdge>       </bpmndi:BPMNEdge>
     </bpmndi:BPMNPlane>     </bpmndi:BPMNPlane>
   </bpmndi:BPMNDiagram>   </bpmndi:BPMNDiagram>
 </bpmn:definitions> </bpmn:definitions>
- 
 </bpmnio> </bpmnio>
residential_closing.1779249519.txt.gz · Last modified: by admin