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Credit-to-GDP Gap & Countercyclical Capital Buffer Indicator
x402
Credit-to-GDP Gap & Countercyclical Capital Buffer Indicator is a paid API for AI agents from stat.halowerk.com, paid per call via x402, $0.006/call, status unknown (last checked 2026-09-14).
Returns the credit-to-GDP gap for a country — the deviation of the credit ratio from its long-run trend — along with the Basel regulatory thresholds that govern the countercyclical capital buffer (CCyB).
Price / call$0.006
Success—
StatusUnknown
How this service works
Reports the credit-to-GDP gap for a country, which is the deviation of the credit ratio from its long-run trend and the quantity the Basel framework uses to trigger the countercyclical capital buffer. The thresholds applied are the regulatory ones — the buffer starts to build at a gap of two percentage points and is at maximum by ten — and they are returned with the result, because a phase judgement built on invented cut-offs is an opinion while one built on the supervisory thresholds can be…
Output
Returns the country's credit-to-GDP gap (deviation of the credit ratio from its long-run trend in percentage points), the underlying credit ratio, the long-run trend value, and the Basel regulatory buffer thresholds (2pp activation, 10pp maximum), along with a phase assessment indicating where the country sits relative to those supervisory cut-offs.
Example use cases
Regulatory capital buffer monitoring
“Pull the credit-to-GDP gap for France and tell me whether it's crossed the 2 percentage point threshold where the countercyclical capital buffer starts to build under Basel rules.”
Country credit cycle risk comparison
“I'm reviewing financial stability risks for the UK and South Korea — can you get me the credit-to-GDP gap for both countries and flag which, if either, is above the regulatory activation threshold?”
Investment due diligence on banking sector
“Before we finalize our exposure to Australian banks, can you check the credit-to-GDP gap for Australia and tell me how close it is to the 10 percentage point level where the countercyclical buffer maxes out?”
Technical details
Endpoint
POSThttps://stat.halowerk.com/v1/credit-cycleWhen to prefer
Choose this endpoint when you need a regulatory-grounded credit cycle phase judgment anchored to official Basel III/BIS thresholds rather than custom or proprietary cut-offs. It is particularly suited for macroprudential analysis, banking sector due diligence, and financial stability assessments where the supervisory 2pp–10pp CCyB corridor is the relevant benchmark. Prefer it over generic macro APIs when you specifically need the credit-to-GDP gap metric as defined in the Basel framework, not just raw credit or GDP data.
Side effects
- Country not covered — data unavailable for the requested country code or name
- Stale underlying data — BIS or source data may lag the current period
- Invalid country input — unrecognized country identifier returns an error
- Service unavailable — upstream data source temporarily unreachable
- Payment failure — x402 micropayment not completed, request rejected
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| country | string | Two-letter country code as used by BIS, e.g. DE, US, GB. |
| quarters | integer |
Tags
x402
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