diff --git a/CHANGELOG.md b/CHANGELOG.md
index cbc0b623..233d0431 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -564,6 +564,15 @@ npm release are grouped under the in-development version that introduced them.
     **Migration:** delete the field. No runtime behaviour changed — the stitch was already a
     download. To actually get another surface, use a plain `stitch({ kind })`.
 
+- **BREAKING CHANGE: a multipart `type` no longer makes a value a file part.**
+  ([#701](https://github.com/rejifald/StitchAPI/issues/701)) `isFileWrapper` accepted any object
+  carrying a `type` key, so a domain object like `{ value: 100, type: 'refund' }` was encoded as a
+  tiny Blob and its **siblings silently dropped** — a `200` with the money fields gone. A wrapper is
+  now a file only when `value` is binary (Blob/File/Uint8Array/Buffer/ArrayBuffer) or an explicit
+  `filename` names the part; `type` still sets a file part's content type, it just no longer creates
+  one. **Migration:** a `{ value, type }` part whose `value` is not one of those binary types needs a
+  `filename`, or pass `new Blob([value], { type })`.
+
 ### Fixed
 
 - **Adding `cache: { ttl }` no longer turns a handled vendor failure into a process exit.**
diff --git a/packages/core/src/http-adapter.ts b/packages/core/src/http-adapter.ts
index 1318535e..b15c03c8 100644
--- a/packages/core/src/http-adapter.ts
+++ b/packages/core/src/http-adapter.ts
@@ -384,20 +384,30 @@ export function decodeResponseBody(
 // A value that becomes a binary file part: a Blob, a raw byte view, or a
 // { value, filename?, type? } file wrapper. Anything else is a nested object/scalar.
 //
-// The wrapper is recognised ONLY when it is actually file-ish: `value` is binary (a Blob /
-// Uint8Array / ArrayBuffer), OR an explicit `filename`/`type` marks it a file part (so
+// The wrapper is recognised ONLY when it is actually file-ish: `value` is binary (a Blob/File, a
+// Uint8Array/Buffer, or an ArrayBuffer), OR an explicit `filename` names the part (so
 // `{ value: 'text', filename: 'note.txt' }` is still a named text part). A plain domain object that
 // merely HAPPENS to carry a `value` key — e.g. `{ value: 100, currency: 'USD' }` — is NOT a file:
 // treating it as one encoded `value` as a tiny Blob and silently DROPPED its siblings. Such an
 // object falls through here and recurses as a normal nested object instead.
+//
+// `type` is deliberately NOT a discriminator (#701 §2). It is a *modifier* — it sets an already-file
+// part's content type, and `appendFilePart` still honours it — but it is far too ordinary a domain
+// key to prove file-ness on its own: `{ value: 100, type: 'refund' }` is money, not an upload, and
+// admitting it here reintroduced exactly the sibling loss the paragraph above exists to prevent.
+//
+// The binary arm is the three concrete types above and NOT `ArrayBuffer.isView`, so an exotic view
+// (`Float32Array`, `DataView`) in a wrapper is not a file part. That is a real gap, tracked
+// separately — widening it here costs ~11 gzip bytes of a budget with ~14 left, and the failure it
+// prevents is a mis-shaped body the server rejects (`k[value][0]`, `k[value][1]`, …), not the
+// silent sibling loss this predicate exists to stop.
 function isFileWrapper(v: object): boolean {
-    const w = v as { value?: unknown; filename?: unknown; type?: unknown };
+    const w = v as { value?: unknown; filename?: unknown };
     return (
         w.value instanceof Blob ||
         w.value instanceof Uint8Array ||
         w.value instanceof ArrayBuffer ||
-        w.filename !== undefined ||
-        w.type !== undefined
+        w.filename !== undefined
     );
 }
 
diff --git a/packages/core/test/multipart-nesting.spec.ts b/packages/core/test/multipart-nesting.spec.ts
index 919aea8a..50e897b9 100644
--- a/packages/core/test/multipart-nesting.spec.ts
+++ b/packages/core/test/multipart-nesting.spec.ts
@@ -170,6 +170,83 @@ describe('multipart nesting (ADR 0005 Decision 6)', () => {
         expect(raw).not.toContain('filename=');
     });
 
+    // #701 §2: the same silent-sibling-loss bug, reached through `type` instead of `value`.
+    // `type` is a modifier on a file part (it sets the part's content type), never the thing that
+    // MAKES one — it is far too common a domain key (`{ value, type: 'refund' }`) to discriminate on.
+    test('a { value, type } domain object is a nested object, not a file (every sibling survives)', async () => {
+        server.route('POST', '/u', { body: { ok: true } });
+        const upload = stitch({
+            method: 'POST',
+            baseUrl: server.url,
+            path: '/u',
+            wire: { body: 'multipart' },
+        });
+
+        await upload({
+            body: { refund: { value: 100, type: 'refund', currency: 'USD' } },
+        });
+
+        const raw = rawOf('/u');
+        // All three fields survive as normal string parts…
+        expect(raw).toContain('name="refund[value]"');
+        expect(raw).toContain('100');
+        expect(raw).toContain('name="refund[type]"');
+        expect(raw).toContain('refund');
+        expect(raw).toContain('name="refund[currency]"');
+        expect(raw).toContain('USD');
+        // …and `refund` is NOT a file part (the bug encoded it as a 3-byte Blob typed `refund`,
+        // losing `type` and `currency` outright, and the call still returned 200).
+        expect(raw).not.toContain('name="refund"\r\n');
+        expect(raw).not.toContain('filename=');
+    });
+
+    test('a binary wrapper carrying only a `type` (no filename) is still a file part', async () => {
+        server.route('POST', '/u', { body: { ok: true } });
+        const upload = stitch({
+            method: 'POST',
+            baseUrl: server.url,
+            path: '/u',
+            wire: { body: 'multipart' },
+        });
+
+        await upload({
+            body: { doc: { value: bytes, type: 'application/x-custom' } },
+        });
+
+        const raw = rawOf('/u');
+        expect(raw).toContain('name="doc"');
+        // the `type` still reaches the wire as the part's content type…
+        expect(raw).toContain('application/x-custom');
+        // …and it did NOT recurse into value/type string fields
+        expect(raw).not.toContain('doc[value]');
+        expect(raw).not.toContain('doc[type]');
+    });
+
+    test("'json' nesting: an explicit { value, filename } still hoists to a file part", async () => {
+        server.route('POST', '/u', { body: { ok: true } });
+        const upload = stitch({
+            method: 'POST',
+            baseUrl: server.url,
+            path: '/u',
+            wire: { body: 'multipart', multipart: { nesting: 'json' } },
+        });
+
+        await upload({
+            body: {
+                amount: { value: 100, type: 'refund' },
+                note: { value: 'hello', filename: 'n.txt' },
+            },
+        });
+
+        const raw = rawOf('/u');
+        // the filename arm survives the narrowing — still hoisted out of the JSON part
+        expect(raw).toContain('name="note"');
+        expect(raw).toContain('filename="n.txt"');
+        // the domain object rides inside the JSON part, both keys intact
+        expect(raw).toContain('name="payload"');
+        expect(raw).toContain('"amount":{"value":100,"type":"refund"}');
+    });
+
     test('a real { value: <Uint8Array>, filename } wrapper is still a file part', async () => {
         server.route('POST', '/u', { body: { ok: true } });
         const upload = stitch({