{"uid":"cap_spI4w2qu0cbD7dMqQtWmr","slug":"usaref-north-american-government-reference-data-9e1b085a","name":"usaref North American Government Reference Data","description":"North American government reference data for 10 countries as cited JSON: central-bank policy rates, VAT/GST and VAT registration thresholds, CPI, corporate, personal and withholding tax, social contributions, minimum wages, statutory interest, official FX rates, filing deadlines and public holidays (coverage varies by country). Every value carries its official source URL and last-confirmed date. Single facts $0.003; country brief (every series for one country) $0.01; cross-country compare (one series, up to 10 countries) $0.02; tax-ID and VAT-number checks $0.003; computed answers (VAT, income tax, working days, minimum-wage check) $0.01-$0.02. Pay per call in USDC on Base via x402 or MPP, no signup, or by card with credit packs or monthly plans on one key valid across all 7 regional services. Free tier: GET /catalog, plus a free email key with 50 answer calls a day, commercial use allowed. Finished answers, one cited dossier per call (supported countries vary per job; others are refused free): cost this hire (wage-floor verdict, contributions, employer cost) $0.50; charge this sale (which VAT applies, net/VAT/gross) $0.50; charge this sale certified (plus a signed VAT-rate extract) $0.75; invoice due date and statutory late interest $0.40; country evidence pack (brief plus signed extracts) $0.25; hire compare $0.75 for 2 countries, $1.00 for 3-5; next filings (VAT, PAYE, corporate-tax due dates rolled for holidays) $0.35.\n\nFree trial: 3 computed-answer calls per day per IP on POST /v1/answers/* with header X-Free-Trial: 1 (without it, the normal x402 402; once used up, the 402 carries free_trial_resets_at). MCP answer tools use the trial automatically when no api_key is passed. Every series of the evaluation country is free. Card credit (same per-call price as x402): /pricing.","url":"https://usaref.dev/v1/%7Bcountry%7D/%7Bseries%7D?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","properties":{"properties":{"type":"string"}}},"responseSchema":{"type":"json","example":{"unit":"percent","notes":"The 15 July 2026 release states verbatim: 'The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%.' effective_from is 2025-10-29, the date of the last CHANGE (a 25 bp cut from 2.50% to 2.25%), not the date of the most recent reaffirmation — the Bank has since held at 2.25% at all SIX subsequent fixed announcement dates: 10 December 2025, 28 January 2026, 18 March 2026, 29 April 2026, 10 June 2026 and 15 July 2026. The full 2026 FAD schedule published by the Bank in August 2025 is 28 January, 18 March, 29 April, 10 June, 15 July, 2 September, 28 October and 9 December, with the Monetary Policy Report released alongside the January, April, July and October decisions. Canada's operating band is 25 bp wide: the Bank Rate (upper limit, standing liquidity facility) is the target +25 bp = 2.50%, and the deposit rate (lower limit, remuneration on settlement balances) is 2.20% — 5 bp below target, a spread the Bank narrowed from the earlier target-minus-25bp convention. The target for the overnight rate is the correct headline policy rate; do not substitute the Bank Rate. Next scheduled fixed announcement date: 2 September 2026. bankofcanada.ca serves clean HTML and is reliably fetchable.","stale":false,"value":2.25,"series":"policy-rate","source":{"url":"https://www.bankofcanada.ca/2026/07/fad-press-release-2026-07-15/","name":"Bank of Canada, Fixed Announcement Date press release 15 July 2026, 'Bank of Canada maintains the policy rate at 2¼%' (decision under the Bank of Canada Act, RSC 1985, c. B-2); rate level set by the FAD press release of 29 October 2025"},"country":"CA","disclaimer":"Independent service, not affiliated with any government. Verify against the cited official source before legal or financial use.","effective_from":"2025-10-29","last_confirmed":"2026-07-20"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.003","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":"$0.003/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.003","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.003","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_iJVplvMTrZMwap4F7jGVk","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.003","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns authoritative, cited government reference values (policy rates, VAT rates, minimum wages, public holidays) for Canada and the US as clean JSON with official source citations and freshness metadata.","exampleAgentPrompt":"What is the current Bank of Canada overnight policy rate? I need the exact value, its effective date, and a link to the official government source so I can verify it before using it in a financial report.","exampleUseCases":[{"title":"Verify central bank rate before financial model","prompt":"Can you look up the current Bank of Canada policy rate with its official citation and effective date? I need to confirm it's not stale before I plug it into my discounted cash flow model."},{"title":"Check US minimum wage for payroll compliance","prompt":"What is the current US federal minimum wage according to official government sources? Give me the value, when it took effect, and a link to the primary source so our HR team can verify compliance."},{"title":"Retrieve Canadian public holidays for scheduling","prompt":"I need a list of official Canadian public holidays for this year — can you pull the authoritative government data for Canada's public holidays so I can block them out in our project timeline?"}],"resultDescription":"A JSON object containing the numeric or structured reference value, its unit, the country, the series name, the effective-from date, a last-confirmed date, a boolean staleness flag, a disclaimer, optional notes, and a source object with the official URL and name of the primary government or central-bank document.","failureModes":["Invalid country code returns an error (only 'ca' and 'us' are supported)","Invalid series name returns an error or empty response","Data may be flagged as stale if the official source has not been re-confirmed recently","Network or payment (x402) failure prevents access","Rate data may lag a policy announcement until the service is updated"],"whenToPreferThis":"Choose this endpoint when you need a machine-readable, cited, freshness-aware snapshot of North American government reference values (policy rates, VAT, minimum wages, public holidays) with direct links to primary official sources — especially when downstream use requires auditability or legal/financial compliance verification. Prefer it over web scraping or LLM recall when accuracy, citation provenance, and staleness detection matter.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-26T18:30:22.795Z","isFirstParty":false,"canonicalSlug":"usaref-north-american-government-reference-data-9e1b085a"}