# Personal Savings Rate Benchmark (BEA/FRED)

> Personal Savings Rate Benchmark (BEA/FRED) is a paid API for AI agents from www.stratalize.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-14).

Returns the BEA personal saving rate from FRED with long-run average comparison and an above-average flag for macro/consumer health analysis.

## Facts

- Endpoint: GET https://www.stratalize.com/api/x402/personal-savings-benchmark
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/personal-savings-rate-benchmark-bea-fred-166ef747
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_GTP5oahRQfRCZ6c7582u5

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 personal-savings-rate-benchmark-bea-fred-166ef747
```

Example prompt: What's the current US personal saving rate from FRED, and is it above or below its long-run average — I want to gauge whether household balance sheets look healthy right now.

## When to prefer this

Use this endpoint when you need a quick, cryptographically verifiable snapshot of the US personal saving rate benchmarked against its long-run average, particularly for macro research, recession risk scoring, consumer spending durability analysis, or household balance sheet health checks — and when auditability of the data provenance matters.

## Known failure modes

- FRED data unavailable or delayed — may return stale freshness timestamp
- Payment not processed or x402 authorization missing — returns 402 Payment Required
- Service temporarily unavailable — returns 5xx error
- Rate limit exceeded — returns 429 Too Many Requests

## How this service works

Stratalize — attested finance, legal, healthcare, and compliance intelligence. Signed, independently verifiable receipt on every call (trust.stratalize.com/verify). BEA personal saving rate from FRED with long-run average comparison and above-average flag. Use when assessing household balance sheet health, consumption durability, and macro recession risk. Source: FRED / BEA. $0.02 atomic

## Output

Returns the current BEA personal saving rate (%), the long-run historical average, a boolean flag indicating whether the current rate is above average, a data freshness timestamp, the data source attribution, a cryptographic receipt ID, and a verification URL at trust.stratalize.com/verify for independent auditability.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "period": {
   "type": "string",
   "description": "Observation period (e.g. 2024, 2024-Q4)"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/personal-savings-rate-benchmark-bea-fred-166ef747/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from www.stratalize.com](https://www.zero.xyz/host/www.stratalize.com/llms.txt)