{"uid":"cap_GTP5oahRQfRCZ6c7582u5","slug":"personal-savings-rate-benchmark-bea-fred-166ef747","name":"Personal Savings Rate Benchmark (BEA/FRED)","description":"Stratalize — attested finance, legal, healthcare, and compliance intelligence. Signed, independently verifiable receipt on every call (trust.stratalize.com/verify). BEA personal saving rate from FRED with long-run average comparison and above-average flag. Use when assessing household balance sheet health, consumption durability, and macro recession risk. Source: FRED / BEA. $0.02 atomic","url":"https://www.stratalize.com/api/x402/personal-savings-benchmark","method":"GET","headers":{},"bodySchema":{"type":"object","properties":{"period":{"type":"string","description":"Observation period (e.g. 2024, 2024-Q4)"}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.02","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.02/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_0TtvO8swCA6Ddt4ZG1p7a","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.02","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns the BEA personal saving rate from FRED with long-run average comparison and an above-average flag for macro/consumer health analysis.","exampleAgentPrompt":"What's the current US personal saving rate from FRED, and is it above or below its long-run average — I want to gauge whether household balance sheets look healthy right now.","exampleUseCases":null,"resultDescription":"Returns the current BEA personal saving rate (%), the long-run historical average, a boolean flag indicating whether the current rate is above average, a data freshness timestamp, the data source attribution, a cryptographic receipt ID, and a verification URL at trust.stratalize.com/verify for independent auditability.","failureModes":["FRED data unavailable or delayed — may return stale freshness timestamp","Payment not processed or x402 authorization missing — returns 402 Payment Required","Service temporarily unavailable — returns 5xx error","Rate limit exceeded — returns 429 Too Many Requests"],"whenToPreferThis":"Use this endpoint when you need a quick, cryptographically verifiable snapshot of the US personal saving rate benchmarked against its long-run average, particularly for macro research, recession risk scoring, consumer spending durability analysis, or household balance sheet health checks — and when auditability of the data provenance matters.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T06:54:38.759Z","isFirstParty":false}