{"uid":"cap_pQ9y1ovqKW1l9vB2lu5Lt","slug":"verza-nca-loan-agreement-lawfulness-checker-def1f278","name":"Verza NCA Loan Agreement Lawfulness Checker","description":"South African NCA loan agreement verification (Reg 42 Verify): Independent lawfulness check of a South African credit agreement's interest rate against the National Credit Act (NCA) Regulation 42 maximum rate caps, the statutory interest rate cap that replaced the old usury limits: the maximum rate is fixed at the repo rate on the date the agreement was concluded.","url":"https://verza.dev/v1/loan-check","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","required":["credit_type","annual_rate_percent","date_concluded"],"properties":{"credit_type":{"enum":["unsecured","mortgage","credit_facility","developmental","other","short_term","incidental"],"type":"string"},"date_concluded":{"type":"string"},"annual_rate_percent":{"type":"string"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","example":{"verdict":"unlawful","interest":{"charged_percent":32,"maximum_lawful_percent":28.25,"excess_percentage_points":3.75}}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.25","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":"$0.25/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.25","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.25","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_jNxohWxdjOD4aQBGBUPWv","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.25","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Checks whether a South African loan agreement's interest rate is lawful under the National Credit Act Reg 42 interest-rate caps","exampleAgentPrompt":"Can you check if a South African loan agreement charging 32% interest is lawful under the NCA Reg 42 caps, and tell me by how much it exceeds the legal maximum if it does?","exampleUseCases":[{"title":"Fintech loan origination compliance check","prompt":"Before we issue this personal loan at 28.5% interest to a South African customer, check whether that rate is lawful under the NCA Reg 42 interest caps."},{"title":"Legal audit of existing credit portfolio","prompt":"I have a batch of South African loan agreements and one charges 35% interest — can you check if that's lawful under Reg 42 and tell me the excess percentage points over the legal cap?"},{"title":"Consumer protection complaint screening","prompt":"A South African borrower is complaining their lender is charging 40% interest. Can you verify whether that rate violates the NCA Reg 42 maximum and by how much?"}],"resultDescription":"Returns a JSON object with a 'verdict' field ('lawful' or 'unlawful'), the charged interest percentage, the maximum lawful interest percentage under NCA Reg 42, and the excess percentage points if the rate is unlawful.","failureModes":["Missing or invalid interest rate input returns an error response","Loan type not recognized under Reg 42 categories may return an error or undefined cap","Network or service unavailability returns a non-200 status","Insufficient USDC balance or x402 payment failure blocks the call"],"whenToPreferThis":"Use this endpoint when you need to programmatically verify whether a specific South African loan agreement's interest rate complies with the National Credit Act Regulation 42 interest-rate caps, especially in fintech origination pipelines, legal audits, or consumer protection workflows. It is purpose-built for South African NCA compliance and provides the exact cap value and excess, unlike generic legal databases or manual lookups.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-13T18:32:19.090Z","isFirstParty":false}