अर्थ्यप्रतीकाराः कारुशासितारः संनिक्षेप्तारः स्ववित्तकारवः श्रेणीप्रमाणा निक्षेपं गृह्णीयुः ॥ कZ_०४.१.०२ ॥
arthyapratīkārāḥ kāruśāsitāraḥ saṃnikṣeptāraḥ svavittakāravaḥ śreṇīpramāṇā nikṣepaṃ gṛhṇīyuḥ
Those who provide restitution/compensation (arthyapratīkārāḥ), supervisors of artisans (kāruśāsitāraḥ), authorized custodians of deposits (saṃnikṣeptāraḥ), and solvent craftsmen acting on their own capital (svavittakāravaḥ)—with the guild as witness/standard (śreṇīpramāṇā)—may accept deposits (nikṣepa).
The guild provides verification and collective monitoring, lowering information asymmetry and enabling enforcement when individual custodians default.
Authorized, supervised, and solvent actors—because deposits require fiduciary reliability and a traceable accountability chain.