Card snapshot

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"
    }
  ],
  "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."
}