# usaref — North American government reference data

No account. No API key. No signup. Pay per call with x402.

Clean, cited JSON for North American government reference values — central-bank
policy rates, VAT, minimum wages, CPI inflation, corporate & personal income tax,
and public holidays across 10 countries. Every response includes the
official source URL, effective date, last_confirmed date and a stale flag.

## If you sell over x402, start here
Making a cross-border digital sale? Before you settle, know who accounts for the VAT:
- POST https://usaref.dev/v1/vat/determine {seller_country, buyer_country, buyer_type?}
  → place of supply, who accounts for VAT, rate basis, registration trigger — each
    cited to the statute (EU / UK / South Africa). Wallet-only buyer with no tax id →
    treated as B2C and flagged. Out-of-scope country pairs are refused FREE (422),
    never guessed. $0.10/call.

## Sources & licence
Every value is compiled from official government sources — central banks,
finance and labour ministries, revenue authorities, statistical offices — and
each response cites the exact official source URL it was verified against.
Independent service, not affiliated with any government. Verify against the
cited official source before legal or financial use.

## How to call a paid endpoint (x402)
1. Call the endpoint with no payment. You get HTTP 402. The payment challenge is in the
   base64-encoded `payment-required` RESPONSE HEADER (the body is an empty `{}`); decode it to see
   price, asset (USDC), network (eip155:8453 = Base) and pay-to address.
2. Sign the payment with any x402 client — @x402/fetch wraps fetch and does
   steps 1-3 automatically.
3. Retry with the signed X-PAYMENT header. You get HTTP 200 + the data;
   the settlement receipt is returned in the PAYMENT-RESPONSE header.
Bad input is rejected FREE (4xx before the payment gate) — you never pay to fail.
Free, no payment: https://usaref.dev/catalog · https://usaref.dev/llms.txt · https://usaref.dev/openapi.json · public holidays.

## Pricing ladder
- $0.001/call — any single series value, its history, or the change feed
- $0.02 — full regional snapshot (/v1/all) · VAT breakdown · working-days calculator
- $0.05 — minimum-wage compliance check · income-tax computation
- $0.10 — gross-to-net payroll (NG, KE) · cross-border VAT determination · webhook alerts
Licensed tiers / API keys: api@3l-groupconsulting.co.za

## Machine-readable discovery
- x402 resource map: https://usaref.dev/.well-known/x402.json
- Agent card: https://usaref.dev/.well-known/agent.json
- OpenAPI: https://usaref.dev/openapi.json
- MCP server (streamable HTTP): https://usaref.dev/mcp — tools: list_series, get_public_holidays (free); get_series, get_series_history, get_snapshot (paid via x402 or api_key)

## Series
- GET /v1/bs/policy-rate — The Bahamas: Central Bank of The Bahamas Discount Rate (Bank Rate)
- GET /v1/bs/vat — The Bahamas: VAT standard rate
- GET /v1/bs/minimum-wage — The Bahamas: National minimum wage (weekly)
- GET /v1/bs/public-holidays — The Bahamas: Public holidays (free)
- GET /v1/bs/cpi — The Bahamas: CPI inflation (year-on-year)
- GET /v1/bs/corporate-tax — The Bahamas: Corporate income tax rate
- GET /v1/bs/income-tax — The Bahamas: Personal income tax brackets
- GET /v1/ca/policy-rate — Canada: Policy Interest Rate
- GET /v1/ca/vat — Canada: Goods and Services Tax (GST)
- GET /v1/ca/minimum-wage — Canada: Federal Minimum Wage
- GET /v1/ca/public-holidays — Canada: General (Statutory) Holidays (free)
- GET /v1/ca/cpi — Canada: Consumer Price Index (Inflation Rate)
- GET /v1/ca/corporate-tax — Canada: Federal Corporate Income Tax Rate
- GET /v1/ca/income-tax — Canada: Federal Personal Income Tax Rates
- GET /v1/cr/policy-rate — Costa Rica: BCCR monetary policy rate (TPM)
- GET /v1/cr/vat — Costa Rica: IVA standard rate
- GET /v1/cr/minimum-wage — Costa Rica: Minimum wage (lowest generic monthly rate)
- GET /v1/cr/public-holidays — Costa Rica: Public holidays (free)
- GET /v1/cr/cpi — Costa Rica: CPI inflation (year-on-year)
- GET /v1/cr/corporate-tax — Costa Rica: Corporate income tax rate
- GET /v1/cr/income-tax — Costa Rica: Personal income tax brackets
- GET /v1/do/policy-rate — Dominican Republic: BCRD monetary policy rate (TPM)
- GET /v1/do/vat — Dominican Republic: ITBIS standard rate
- GET /v1/do/minimum-wage — Dominican Republic: Minimum wage (lowest non-sectorized tier — microempresas)
- GET /v1/do/public-holidays — Dominican Republic: Public holidays (free)
- GET /v1/do/cpi — Dominican Republic: CPI inflation (year-on-year)
- GET /v1/do/corporate-tax — Dominican Republic: Corporate income tax rate
- GET /v1/do/income-tax — Dominican Republic: Personal income tax brackets
- GET /v1/gt/policy-rate — Guatemala: Banguat tasa de interés líder de política monetaria
- GET /v1/gt/vat — Guatemala: IVA standard rate
- GET /v1/gt/minimum-wage — Guatemala: Minimum wage (lowest rate in the activity x circumscription matrix)
- GET /v1/gt/public-holidays — Guatemala: Public holidays (free)
- GET /v1/gt/cpi — Guatemala: CPI inflation (year-on-year)
- GET /v1/gt/corporate-tax — Guatemala: Corporate income tax rate
- GET /v1/gt/income-tax — Guatemala: Personal income tax brackets
- GET /v1/hn/policy-rate — Honduras: Tasa de Política Monetaria (TPM)
- GET /v1/hn/vat — Honduras: Impuesto Sobre Ventas (ISV)
- GET /v1/hn/minimum-wage — Honduras: Salario Mínimo
- GET /v1/hn/public-holidays — Honduras: Días Feriados Nacionales (free)
- GET /v1/hn/cpi — Honduras: Inflación Interanual (IPC)
- GET /v1/hn/corporate-tax — Honduras: Impuesto Sobre la Renta - Personas Jurídicas
- GET /v1/hn/income-tax — Honduras: Impuesto Sobre la Renta - Personas Naturales (Tabla Progresiva 2026)
- GET /v1/mx/policy-rate — Mexico: Banxico overnight target rate
- GET /v1/mx/vat — Mexico: IVA standard rate
- GET /v1/mx/minimum-wage — Mexico: General minimum wage (daily)
- GET /v1/mx/public-holidays — Mexico: Public holidays (free)
- GET /v1/mx/cpi — Mexico: CPI inflation (year-on-year)
- GET /v1/mx/corporate-tax — Mexico: Corporate income tax rate
- GET /v1/mx/income-tax — Mexico: Personal income tax brackets
- GET /v1/pa/policy-rate — Panama: Monetary policy rate
- GET /v1/pa/vat — Panama: ITBMS (VAT) standard rate
- GET /v1/pa/minimum-wage — Panama: Minimum wage (lowest general statutory floor)
- GET /v1/pa/public-holidays — Panama: National public holidays (free)
- GET /v1/pa/cpi — Panama: CPI inflation (year-over-year)
- GET /v1/pa/corporate-tax — Panama: Corporate income tax (ISR personas jurídicas)
- GET /v1/pa/income-tax — Panama: Personal income tax (ISR personas naturales)
- GET /v1/sv/policy-rate — El Salvador: Central bank policy rate
- GET /v1/sv/vat — El Salvador: VAT (IVA) standard rate
- GET /v1/sv/minimum-wage — El Salvador: Minimum wage (lowest general statutory floor)
- GET /v1/sv/public-holidays — El Salvador: Public holidays (free)
- GET /v1/sv/cpi — El Salvador: CPI inflation (year-on-year)
- GET /v1/sv/corporate-tax — El Salvador: Corporate income tax (ISR) standard rate
- GET /v1/sv/income-tax — El Salvador: Personal income tax (ISR) brackets
- GET /v1/us/policy-rate — United States: Federal funds target range (upper bound)
- GET /v1/us/vat — United States: Value added tax
- GET /v1/us/minimum-wage — United States: Federal minimum wage (FLSA)
- GET /v1/us/public-holidays — United States: Federal public holidays 2026 (free)
- GET /v1/us/cpi — United States: Consumer Price Index (CPI-U), 12-month change
- GET /v1/us/corporate-tax — United States: Federal corporate income tax rate
- GET /v1/us/income-tax — United States: Federal individual income tax brackets (single filer, tax year 2026)

History: GET /v1/{country}/{series}/history?from=YYYY-MM-DD&to=YYYY-MM-DD — e.g. GET /v1/bs/policy-rate/history?from=2026-01-01
Changes + freshness (FREE, unmetered): GET /v1/changes?since=YYYY-MM-DD — what changed, plus how many of our 70 series were re-verified against their official source in the last 1/7/30/90 days, and which one has gone longest without a check. `since` is optional (defaults to 30 days).

## Answers (computed verdicts, POST JSON)
- POST /v1/answers/wage-check {country, amount, period, schedule?} — at/above/below the statutory minimum? Pass "schedule" to be measured against a sectoral/zonal/grade floor instead of the general one (Kenya 55, South Africa 24); omit it and we say so, because "above the national floor" is not "compliant". Keys: GET /catalog ($0.05)
- POST /v1/answers/vat {country, amount, mode?, band?} — net/tax/gross breakdown incl. levy components. Pass "band" for a statutory reduced/zero/super-reduced rate; we publish what each band covers in the authority's own words but do not classify supplies into bands. Keys: GET /catalog ($0.02)
- POST /v1/answers/working-days {country, from, to} — working days, holidays hit, next working day ($0.02)
- POST /v1/answers/income-tax {country, taxable_income} — statutory income tax + per-bracket workings ($0.05)
- POST /v1/answers/settlement-date {trade_date, calendars[], business_days | market + instrument_class} — settlement/value date: T+n business days across one or more national statutory calendars intersected, with a per-day trail, each calendar's basis and source, and the market cycle cited to its primary instrument where we hold one ($0.05). Cited cycles and what we deliberately refuse to cite: GET /settlement-conventions (free)
- POST /v1/vat/determine {seller_country, buyer_country, buyer_type?} — cross-border VAT treatment of a digital-services sale: place of supply, who accounts, rate basis, registration trigger, with the applied rule cited to the statute. EU, UK, South Africa; unknown buyer → B2C-default, flagged; out-of-scope pairs refused FREE (422), never guessed, never charged ($0.10)