{"domain":"zaref.dev","count":3,"changes":[{"captured_at":"2026-07-30T13:46:18","card_hash":"7f0e1cb87cae9136ae1cfd3f94facd84640a8ba7f51eb07ebd3dad3ff65ddd3a","previous_card_hash":"ce884562cf3ec51f6ff753bb40e0f216df37dc479eb7dc4d93f62f567b5ec8e3","diff":{"skills_added":[],"skills_removed":[],"skills_changed":[{"id":"calc-income-tax","fields":["description"]},{"id":"calc-medical-tax-credit","fields":["description"]},{"id":"income-tax","fields":["description"]},{"id":"nca-max-rates","fields":["description"]},{"id":"repo-prime","fields":["description"]}],"fields_changed":[{"field":"description","before":"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.","after":"South African reference data for AI agents: 33 verified series, 29 calculators, history, task-shaped answers (payroll, income tax, VAT, wage checks, working days), batch fetch and change-alert webhooks, paid per call via the x402 protocol (USDC on Base). No accounts, no API keys. Python client: pip install zaref."}],"other_changed":false,"is_empty":false,"human_summary":"updated 5 skills · description South African reference data for AI agen → South African reference data for AI agen"}},{"captured_at":"2026-07-24T23:42:11","card_hash":"ce884562cf3ec51f6ff753bb40e0f216df37dc479eb7dc4d93f62f567b5ec8e3","previous_card_hash":"03bdb0823a759817efc60717b65bba2d7f6ee0aa6e5d9d4edefd773518da5724","diff":{"skills_added":[{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null}],"skills_removed":[],"skills_changed":[],"fields_changed":[],"other_changed":false,"is_empty":false,"human_summary":"added 7 skills"}},{"captured_at":"2026-07-19T00:20:00","card_hash":"03bdb0823a759817efc60717b65bba2d7f6ee0aa6e5d9d4edefd773518da5724","previous_card_hash":null,"diff":{"skills_added":[{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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).","tags":null,"inputModes":null,"outputModes":null},{"id":"calc-bond-repayment","name":"Calculator: bond-repayment","description":"Monthly bond repayment and total interest, at the live prime rate by default.","tags":null,"inputModes":null,"outputModes":null},{"id":"calc-cgt","name":"Calculator: cgt","description":"Capital gains tax for individuals (marginal method), companies and trusts.","tags":null,"inputModes":null,"outputModes":null},{"id":"calc-company-car","name":"Calculator: company-car","description":"Company car fringe benefit: monthly taxable value (3.5%/3.25%) and PAYE impact.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"id":"calc-donations-tax","name":"Calculator: donations-tax","description":"Donations tax owed on a donation, after the annual natural-person exemption.","tags":null,"inputModes":null,"outputModes":null},{"id":"calc-estate-duty","name":"Calculator: estate-duty","description":"Estate duty after the section 4A abatement, tiered at R30m.","tags":null,"inputModes":null,"outputModes":null},{"id":"calc-fuel-cost","name":"Calculator: fuel-cost","description":"Fuel cost for a trip at current official SA fuel prices.","tags":null,"inputModes":null,"outputModes":null},{"id":"calc-home-office-expense","name":"Calculator: home-office-expense","description":"Deductible home office expense by area apportionment (s23(b)/(m)).","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"id":"calc-learnership","name":"Calculator: learnership","description":"Minimum weekly learnership allowance by NQF level and credits.","tags":null,"inputModes":null,"outputModes":null},{"id":"calc-local-interest","name":"Calculator: local-interest","description":"Taxable local interest after the age-based annual exemption.","tags":null,"inputModes":null,"outputModes":null},{"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).","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"id":"calc-sbc-tax","name":"Calculator: sbc-tax","description":"Small Business Corporation income tax at the progressive SBC rates (eligibility conditions apply).","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"id":"calc-transfer-duty","name":"Calculator: transfer-duty","description":"Property transfer duty from the current SARS brackets.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"id":"calc-uif","name":"Calculator: uif","description":"Monthly UIF contribution (employee 1% + employer 1%) at the current earnings ceiling.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"id":"cpi","name":"CPI (headline, YoY)","description":"Latest Stats SA headline consumer inflation, year-on-year %, with reference month.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"id":"electricity-tariffs","name":"Electricity tariffs","description":"NERSA-approved Eskom tariff increases and key residential rates for the current year.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"id":"gdp","name":"GDP growth","description":"Latest Stats SA GDP growth (QoQ and YoY), with reference quarter.","tags":null,"inputModes":null,"outputModes":null},{"id":"income-tax","name":"Income tax tables","description":"Personal income tax brackets, rebates and thresholds for the current SA tax year.","tags":null,"inputModes":null,"outputModes":null},{"id":"learnership-allowances","name":"Learnership allowances","description":"Minimum weekly learnership allowances per NQF level, per the current NMW gazette.","tags":null,"inputModes":null,"outputModes":null},{"id":"minimum-wage","name":"National minimum wage","description":"National minimum wage per hour, incl. special categories, with effective date.","tags":null,"inputModes":null,"outputModes":null},{"id":"municipal-tariffs","name":"Metro municipal tariffs","description":"Residential electricity/water/refuse/rates headline tariffs for the 5 big metros, current municipal year.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"id":"ppi","name":"PPI (final manufactured goods)","description":"Latest Stats SA producer inflation YoY, with reference month.","tags":null,"inputModes":null,"outputModes":null},{"id":"public-holidays","name":"Public holidays","description":"Official SA public holidays for the current calendar year, incl. proclaimed one-offs and Sunday observances.","tags":null,"inputModes":null,"outputModes":null},{"id":"repo-prime","name":"Repo & prime rate","description":"SARB repo rate and prime lending rate, with last MPC change date.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"id":"sassa-grants","name":"SASSA grant amounts","description":"All SASSA social grant amounts incl. SRD, with effective date.","tags":null,"inputModes":null,"outputModes":null},{"id":"school-terms","name":"School terms","description":"DBE public school term dates.","tags":null,"inputModes":null,"outputModes":null},{"id":"sectoral-wages","name":"Sectoral minimum wages","description":"Minimum wages for sectors with their own determinations (contract cleaning, private security, etc.) beside the NMW.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"id":"tax-calendar","name":"Tax calendar","description":"SARS filing-season windows, provisional tax deadlines, employer reconciliation windows and recurring monthly deadlines.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"id":"toll-fees","name":"Toll fees","description":"Mainline toll plaza tariffs (vehicle classes 1-4) for the major national routes, current adjustment.","tags":null,"inputModes":null,"outputModes":null},{"id":"travel-rates","name":"SARS travel rates","description":"SARS prescribed per-km reimbursement rate and subsistence allowances for the current tax year.","tags":null,"inputModes":null,"outputModes":null},{"id":"uif-oid","name":"UIF & OID limits","description":"UIF contribution remuneration ceiling and OID (COIDA) earnings threshold.","tags":null,"inputModes":null,"outputModes":null},{"id":"unemployment","name":"Unemployment rate","description":"Latest Stats SA QLFS official and expanded unemployment rates, with reference quarter.","tags":null,"inputModes":null,"outputModes":null},{"id":"vat","name":"VAT rate","description":"VAT rate currently in force in South Africa.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null},{"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.","tags":null,"inputModes":null,"outputModes":null}],"skills_removed":[],"skills_changed":[],"fields_changed":[{"field":"name","before":null,"after":"zaref"},{"field":"description","before":null,"after":"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."},{"field":"version","before":null,"after":"0.3.1"},{"field":"url","before":null,"after":"https://zaref.dev"},{"field":"provider","before":null,"after":{"organization":"zaref","url":"https://zaref.dev"}}],"other_changed":true,"is_empty":false,"human_summary":"added 64 skills · name ∅ → zaref · description ∅ → South African reference data for AI agen · version ∅ → 0.3.1 · url ∅ → https://zaref.dev · provider ∅ → zaref"}}]}