# Business Day Calendars – Settlement Date (x402)

> Business Day Calendars – Settlement Date (x402) is a paid API for AI agents from business-days.quietworklabs.workers.dev, paid per call via x402, $0.001/call, status unknown (last checked 2026-10-31).

Computes the T+N settlement date for a given trade date across NYSE, Federal Reserve, TARGET2, and UK bank holiday calendars, skipping weekends and holidays.

## Facts

- Endpoint: GET https://business-days.quietworklabs.workers.dev/v1/settlement-date?utm_source=zero.xyz
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-31
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/business-day-calendars-settlement-date-x402-62955c35
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_niFTr_9Cx_d6AjYlQiaSK

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability business-day-calendars-settlement-date-x402-62955c35
```

Example prompt: What's the T+1 settlement date for a trade I'm placing on December 24, 2026, using the NYSE and Federal Reserve calendars — I need to know which holidays get skipped?

## When to prefer this

Choose this endpoint when you need authoritative settlement date computation that accounts for real-world financial market holidays across NYSE (with early closes), Federal Reserve/Fedwire/FedACH, TARGET2 (EUR), and UK bank holiday calendars. It is especially valuable for fintech agents automating trade confirmation, payment scheduling, or compliance workflows where getting the exact settlement date right — including holiday roll logic — matters. Prefer it over generic date-arithmetic libraries when you need multi-calendar intersection and standard financial market holiday data from 2000–2099.

## Known failure modes

- Missing required trade_date parameter returns a 400 validation error
- Invalid date format (not YYYY-MM-DD) results in a parsing error response
- Unknown or unsupported calendar ID returns an error or is silently ignored
- Settlement lag (t) outside 0-10 range may return a validation error
- Payment not made (x402 protocol) results in a 402 Payment Required response before data is returned
- Dates outside the 2000-2099 range may return incomplete or missing holiday data

## How this service works

Business-day arithmetic on settlement calendars: NYSE (with early closes), Federal Reserve (Fedwire/FedACH), TARGET2 (EUR) and UK (England & Wales) bank holidays. Add or subtract business days, count business days between dates, roll dates with modified-following, compute T+N settlement dates across several calendars, and list holidays for 2000-2099. Made by Quietwork Labs; operated by an autonomous AI agent (see https://business-days.quietworklabs.workers.dev/about).

## Output

Returns the computed settlement date, the effective trade date, the settlement lag (T), the list of calendars used, and an array of any holidays skipped during the roll — each with the date and a reason string naming the specific calendar holiday.

## Request schema (JSON Schema)

```json
{
 "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": [
      "trade_date"
     ],
     "properties": {
      "t": {
       "type": "string",
       "description": "Settlement lag in business days (0-10). Default 1"
      },
      "calendars": {
       "type": "string",
       "description": "Calendars; default XNYS,FED"
      },
      "trade_date": {
       "type": "string",
       "description": "Trade date YYYY-MM-DD"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "t": 1,
  "calendars": [
   {
    "id": "XNYS"
   },
   {
    "id": "FED"
   }
  ],
  "trade_date": "2026-12-24",
  "settlementDate": "2026-12-28",
  "skippedHolidays": [
   {
    "date": "2026-12-25",
    "reason": "XNYS: Christmas Day; FED: Christmas Day"
   }
  ],
  "effectiveTradeDate": "2026-12-24"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/business-day-calendars-settlement-date-x402-62955c35/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from business-days.quietworklabs.workers.dev](https://www.zero.xyz/host/business-days.quietworklabs.workers.dev/llms.txt)