Questione giuridica chiave
Whether the deposit contract was concluded with X.________ Anstalt through direct representation, so that no assignment was needed for the claim to pass to the plaintiff.
Decisione estratta
The contract was concluded directly between X.________ Anstalt and the defendant; B.________ acted as direct representative, so no assignment under Art. 32(3) OR was required.
Motivazione estratta
The binding factual findings showed that B.________ deposited the money on behalf of X.________ Anstalt and the defendant accepted it for her. Direct representation makes the represented entity the contract party and holder of the contractual claim.