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zaref.dev
·
2026-07-24 23:42:11 UTC
·
ce884562cf3ec51f6ff753bb40e0f216df37dc479eb7dc4d93f62f567b5ec8e3
This is a frozen copy of the agent's agent-card.json as we observed it at the timestamp above. We capture a new snapshot every time the card's content hash changes. Useful for: forensic drift analysis, verifying downstream callers see the right version, reproducing routing decisions made historically.
{
"name": "zaref",
"description": "South African reference data for AI agents: 33 verified series, calculators and history, paid per call via the x402 protocol (USDC on Base). No accounts, no API keys.",
"url": "https://zaref.dev",
"version": "0.3.1",
"protocols": [
{
"type": "http+x402",
"network": "eip155:8453",
"entry": "https://zaref.dev/catalog"
},
{
"type": "mcp",
"transport": "streamable-http",
"entry": "https://zaref.dev/mcp",
"tools": [
"list_series",
"get_public_holidays",
"get_series_info"
]
}
],
"skills": [
{
"id": "fuel-prices",
"name": "Fuel prices",
"description": "Current SA retail/wholesale fuel prices: petrol 93/95 (inland & coastal), diesel 50ppm, illuminating paraffin. Rand per litre.",
"price": "$0.005"
},
{
"id": "repo-prime",
"name": "Repo & prime rate",
"description": "SARB repo rate and prime lending rate, with last MPC change date.",
"price": "$0.005"
},
{
"id": "cpi",
"name": "CPI (headline, YoY)",
"description": "Latest Stats SA headline consumer inflation, year-on-year %, with reference month.",
"price": "$0.005"
},
{
"id": "income-tax",
"name": "Income tax tables",
"description": "Personal income tax brackets, rebates and thresholds for the current SA tax year.",
"price": "$0.005"
},
{
"id": "vat",
"name": "VAT rate",
"description": "VAT rate currently in force in South Africa.",
"price": "$0.005"
},
{
"id": "uif-oid",
"name": "UIF & OID limits",
"description": "UIF contribution remuneration ceiling and OID (COIDA) earnings threshold.",
"price": "$0.005"
},
{
"id": "minimum-wage",
"name": "National minimum wage",
"description": "National minimum wage per hour, incl. special categories, with effective date.",
"price": "$0.005"
},
{
"id": "public-holidays",
"name": "Public holidays",
"description": "Official SA public holidays for the current calendar year, incl. proclaimed one-offs and Sunday observances.",
"price": "free"
},
{
"id": "school-terms",
"name": "School terms",
"description": "DBE public school term dates.",
"price": "$0.005"
},
{
"id": "sassa-grants",
"name": "SASSA grant amounts",
"description": "All SASSA social grant amounts incl. SRD, with effective date.",
"price": "$0.005"
},
{
"id": "travel-rates",
"name": "SARS travel rates",
"description": "SARS prescribed per-km reimbursement rate and subsistence allowances for the current tax year.",
"price": "$0.005"
},
{
"id": "tax-rates-other",
"name": "Other national tax rates",
"description": "Corporate tax, dividends WHT, CGT inclusion, transfer duty brackets, retirement caps, medical tax credits, interest exemptions, estate/donations tax.",
"price": "$0.005"
},
{
"id": "unemployment",
"name": "Unemployment rate",
"description": "Latest Stats SA QLFS official and expanded unemployment rates, with reference quarter.",
"price": "$0.005"
},
{
"id": "gdp",
"name": "GDP growth",
"description": "Latest Stats SA GDP growth (QoQ and YoY), with reference quarter.",
"price": "$0.005"
},
{
"id": "ppi",
"name": "PPI (final manufactured goods)",
"description": "Latest Stats SA producer inflation YoY, with reference month.",
"price": "$0.005"
},
{
"id": "toll-fees",
"name": "Toll fees",
"description": "Mainline toll plaza tariffs (vehicle classes 1-4) for the major national routes, current adjustment.",
"price": "$0.005"
},
{
"id": "electricity-tariffs",
"name": "Electricity tariffs",
"description": "NERSA-approved Eskom tariff increases and key residential rates for the current year.",
"price": "$0.005"
},
{
"id": "municipal-tariffs",
"name": "Metro municipal tariffs",
"description": "Residential electricity/water/refuse/rates headline tariffs for the 5 big metros, current municipal year.",
"price": "$0.005"
},
{
"id": "learnership-allowances",
"name": "Learnership allowances",
"description": "Minimum weekly learnership allowances per NQF level, per the current NMW gazette.",
"price": "$0.005"
},
{
"id": "sectoral-wages",
"name": "Sectoral minimum wages",
"description": "Minimum wages for sectors with their own determinations (contract cleaning, private security, etc.) beside the NMW.",
"price": "$0.005"
},
{
"id": "sars-interest-rates",
"name": "SARS & prescribed interest rates",
"description": "Official rate of interest (fringe benefits, s7C loans), SARS interest on outstanding taxes and refunds, and the prescribed rate of interest for legal and judgment debts.",
"price": "$0.005"
},
{
"id": "retirement-limits",
"name": "Retirement & TFSA limits",
"description": "Retirement contribution deduction cap, tax-free savings limits, retirement and withdrawal lump-sum tax tables, living-annuity thresholds.",
"price": "$0.005"
},
{
"id": "nca-max-rates",
"name": "NCA maximum interest rates",
"description": "Maximum lawful interest rates per credit type under NCA Regulation 42 Table A, computed at the current repo rate, plus the in duplum rule and service fee cap.",
"price": "$0.005"
},
{
"id": "bcea-thresholds",
"name": "BCEA earnings threshold",
"description": "The BCEA earnings threshold, which working-time protections fall away above it, the earnings definition and related LRA/EEA effects.",
"price": "$0.005"
},
{
"id": "tax-calendar",
"name": "Tax calendar",
"description": "SARS filing-season windows, provisional tax deadlines, employer reconciliation windows and recurring monthly deadlines.",
"price": "$0.005"
},
{
"id": "exchange-control",
"name": "Exchange control allowances",
"description": "Single discretionary allowance (R2m from April 2026), foreign investment allowance, minors' travel and cash export limits, with the TCS PIN rules.",
"price": "$0.005"
},
{
"id": "deeds-fees",
"name": "Deeds Office fees",
"description": "Deeds Office transfer and bond registration fee tiers, lodgement and ancillary fees, per the current gazetted schedule.",
"price": "$0.005"
},
{
"id": "fuel-levies",
"name": "Fuel levies",
"description": "General fuel levy, RAF levy and carbon fuel levy per litre for petrol and diesel, plus the carbon tax rate, including temporary relief episodes.",
"price": "$0.005"
},
{
"id": "zaronia",
"name": "ZARONIA benchmark rate",
"description": "SARB's ZARONIA risk-free overnight benchmark, the designated JIBAR successor (JIBAR ceases 2026-12-31), with the transition timeline and daily-rate history for compounded interest calculations.",
"price": "$0.005"
},
{
"id": "wear-and-tear-periods",
"name": "SARS wear-and-tear write-off periods",
"description": "SARS BGR7 schedule of straight-line depreciation write-off periods (in years) for over 140 asset classes, plus the R7,000 small-item write-off threshold.",
"price": "$0.005"
},
{
"id": "fx-rates",
"name": "ZAR exchange rates",
"description": "SARB indicative daily ZAR exchange rates against USD, GBP, EUR and JPY, plus the nominal effective exchange rate (trade-weighted) index.",
"price": "$0.005"
},
{
"id": "bond-yields",
"name": "SA benchmark bond yields",
"description": "SARB closing yields on the R2030 and R209 South African government benchmark bonds, key reference points for the domestic yield curve.",
"price": "$0.005"
},
{
"id": "sovereign-credit-rating",
"name": "SA sovereign credit rating",
"description": "South Africa's current credit rating and outlook from Moody's, S&P Global and Fitch, with each agency's most recent rating action date.",
"price": "$0.005"
},
{
"id": "tenders",
"name": "Government tenders (live)",
"description": "Live South African government tender feed from National Treasury's eTenders OCDS API: filter by province, procurement category, buyer, keyword and closing window. Returns compact tender records with closing dates, briefing sessions, documents and contacts.",
"price": "$0.005"
},
{
"id": "crypto-prices",
"name": "Crypto ZAR prices (live)",
"description": "Live ZAR crypto prices from VALR's public market data: last traded, bid/ask, 24-hour high/low/volume and daily change for BTC, ETH and every other ZAR pair on the exchange.",
"price": "$0.005"
},
{
"id": "calc-income-tax",
"name": "Calculator: income-tax",
"description": "SA personal income tax for the current tax year: annual and monthly tax, effective rate, age rebates applied.",
"price": "$0.01"
},
{
"id": "calc-net-salary",
"name": "Calculator: net-salary",
"description": "Net take-home from a gross monthly salary: PAYE plus employee UIF at the current tables.",
"price": "$0.01"
},
{
"id": "calc-transfer-duty",
"name": "Calculator: transfer-duty",
"description": "Property transfer duty from the current SARS brackets.",
"price": "$0.01"
},
{
"id": "calc-fuel-cost",
"name": "Calculator: fuel-cost",
"description": "Fuel cost for a trip at current official SA fuel prices.",
"price": "$0.01"
},
{
"id": "calc-toll-route",
"name": "Calculator: toll-route",
"description": "Total mainline toll cost for a full run of a national route at current gazetted tariffs.",
"price": "$0.01"
},
{
"id": "calc-vat",
"name": "Calculator: vat",
"description": "Add or strip VAT at the current SA rate (direction=add | remove | strip; unrecognised values are rejected). Free.",
"price": "free"
},
{
"id": "calc-cgt",
"name": "Calculator: cgt",
"description": "Capital gains tax for individuals (marginal method), companies and trusts.",
"price": "$0.01"
},
{
"id": "calc-estate-duty",
"name": "Calculator: estate-duty",
"description": "Estate duty after the section 4A abatement, tiered at R30m.",
"price": "$0.01"
},
{
"id": "calc-learnership",
"name": "Calculator: learnership",
"description": "Minimum weekly learnership allowance by NQF level and credits.",
"price": "$0.01"
},
{
"id": "calc-lump-sum-tax",
"name": "Calculator: lump-sum-tax",
"description": "Tax on a retirement fund lump sum or withdrawal using the cumulative SARS method (prior lump sums aggregate).",
"price": "$0.01"
},
{
"id": "calc-nca-max-rate",
"name": "Calculator: nca-max-rate",
"description": "Maximum lawful interest rate for a credit agreement under NCA Regulation 42 Table A, at the current or a given repo rate.",
"price": "$0.01"
},
{
"id": "calc-property-costs",
"name": "Calculator: property-costs",
"description": "Total statutory costs of buying a property: transfer duty plus Deeds Office transfer, bond and lodgement fees.",
"price": "$0.01"
},
{
"id": "calc-two-pot-withdrawal",
"name": "Calculator: two-pot-withdrawal",
"description": "Tax on a two-pot retirement savings-component withdrawal at the member's marginal rate.",
"price": "$0.01"
},
{
"id": "calc-travel-allowance",
"name": "Calculator: travel-allowance",
"description": "PAYE inclusion and monthly tax impact of a fixed travel allowance under the 80/20 rule.",
"price": "$0.01"
},
{
"id": "calc-company-car",
"name": "Calculator: company-car",
"description": "Company car fringe benefit: monthly taxable value (3.5%/3.25%) and PAYE impact.",
"price": "$0.01"
},
{
"id": "calc-bond-repayment",
"name": "Calculator: bond-repayment",
"description": "Monthly bond repayment and total interest, at the live prime rate by default.",
"price": "$0.01"
},
{
"id": "calc-zaronia-interest",
"name": "Calculator: zaronia-interest",
"description": "Compound-in-arrears interest on a principal over a date range, using zaref's accumulating daily ZARONIA history (ACT/365). Coverage limited to dates zaref has tracked.",
"price": "$0.01"
},
{
"id": "calc-uif",
"name": "Calculator: uif",
"description": "Monthly UIF contribution (employee 1% + employer 1%) at the current earnings ceiling.",
"price": "$0.01"
},
{
"id": "calc-donations-tax",
"name": "Calculator: donations-tax",
"description": "Donations tax owed on a donation, after the annual natural-person exemption.",
"price": "$0.01"
},
{
"id": "calc-local-interest",
"name": "Calculator: local-interest",
"description": "Taxable local interest after the age-based annual exemption.",
"price": "$0.01"
},
{
"id": "calc-medical-tax-credit",
"name": "Calculator: medical-tax-credit",
"description": "Medical scheme fees tax credit plus the additional medical expenses tax credit from qualifying out-of-pocket costs.",
"price": "$0.01"
},
{
"id": "calc-provisional-tax",
"name": "Calculator: provisional-tax",
"description": "Estimated first and second provisional tax payments (50/50 split) net of employees' tax already withheld, with the current filing deadlines.",
"price": "$0.01"
},
{
"id": "calc-net-to-gross",
"name": "Calculator: net-to-gross",
"description": "Gross monthly salary required to net a target take-home amount, at the current tax tables.",
"price": "$0.01"
},
{
"id": "calc-home-office-expense",
"name": "Calculator: home-office-expense",
"description": "Deductible home office expense by area apportionment (s23(b)/(m)).",
"price": "$0.01"
},
{
"id": "calc-sbc-tax",
"name": "Calculator: sbc-tax",
"description": "Small Business Corporation income tax at the progressive SBC rates (eligibility conditions apply).",
"price": "$0.01"
},
{
"id": "calc-wear-and-tear",
"name": "Calculator: wear-and-tear",
"description": "Annual and monthly straight-line wear-and-tear allowance for an asset, using the SARS BGR7 write-off period schedule.",
"price": "$0.01"
},
{
"id": "calc-crypto-tax",
"name": "Calculator: crypto-tax",
"description": "Estimated SA tax on crypto asset gains: revenue-nature profits taxed at the marginal rate, capital-nature gains via CGT with the annual exclusion and 40% inclusion. Handles staking/mining/airdrop receipts and FIFO batch matching of a raw buy/sell transaction list.",
"price": "$0.01"
},
{
"id": "calc-crypto-classify",
"name": "Calculator: crypto-classify",
"description": "Indicative capital-vs-revenue classification of crypto gains by weighing the classic SA case-law factors: intention, holding period and trading frequency.",
"price": "$0.01"
},
{
"id": "calc-bond-price",
"name": "Calculator: bond-price",
"description": "Clean price of a fixed-rate bond from face value, coupon and years to maturity, at a given yield (defaults to the live R2030 benchmark yield).",
"price": "$0.01"
},
{
"id": "answer-income-tax",
"name": "Answer: income-tax",
"description": "Full income-tax answer for one taxpayer: tax due after age rebates and medical scheme credits, effective rate, monthly PAYE equivalent, with the component calculations included.",
"price": "$0.05"
},
{
"id": "answer-payroll",
"name": "Answer: payroll",
"description": "One employee's monthly payroll: PAYE with age rebates, pension deductibility (27.5% / R430k cap), medical scheme credit, employee and employer UIF, take-home pay, employer cost, BCEA earnings-threshold flag and an optional minimum-wage check.",
"price": "$0.10"
},
{
"id": "answer-vat",
"name": "Answer: vat",
"description": "VAT answer at the rate currently in force: add or remove VAT on an amount, with the rate's status, effective date and official citation.",
"price": "$0.02"
},
{
"id": "answer-wage-check",
"name": "Answer: wage-check",
"description": "National minimum wage compliance verdict for a wage: compliant or not, the applicable floor (standard, farm, domestic or EPWP) and the shortfall per hour, with the gazette citation.",
"price": "$0.05"
},
{
"id": "answer-working-days",
"name": "Answer: working-days",
"description": "Working days between two dates (inclusive), excluding weekends and SA public holidays from the verified holiday series, listing the holidays in range.",
"price": "$0.02"
},
{
"id": "alerts",
"name": "Change-alert webhooks",
"description": "Register an HTTPS webhook that fires when a subscribed series' verified values change. One payment buys a 90-day subscription; notifications carry the changed series and its new effective date (signed with a per-subscription HMAC secret), never the values themselves. Undeliverable endpoints are disabled after 10 consecutive failures.",
"price": "$0.10"
},
{
"id": "batch",
"name": "Batch series fetch",
"description": "Fetch up to 10 series in one settled call. Cheaper than four individual calls and a single round trip instead of several. Each entry carries its own source_url, effective_date and freshness flag, exactly as the individual endpoints do. Supports as_at for a point-in-time batch.",
"price": "$0.02"
}
],
"provider": {
"organization": "zaref",
"url": "https://zaref.dev"
},
"disclaimer": "Independent data service. Not affiliated with, or endorsed by, any South African government entity. Every value carries the official source URL and its effective date; verify against the source for legal or financial use."
}