# US Treasury Average Interest Rates

> US Treasury Average Interest Rates is a paid API for AI agents from treasury-macro.x402tookit.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-10-21).

Returns the average interest rate the US government pays on Treasury bills, notes, bonds, and TIPS, with year-over-year change.

## Facts

- Endpoint: GET https://treasury-macro.x402tookit.com/us-avg-interest-rates?utm_source=zero.xyz
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-21
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/us-treasury-average-interest-rates-3d040fa5
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_ZGIZtYzXVBscTdbY6llhm

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 us-treasury-average-interest-rates-3d040fa5
```

Example prompt: What is the average interest rate the US government is currently paying across its Treasury bills, notes, bonds, and TIPS, and how has that changed from a year ago?

## When to prefer this

Use this endpoint when you need the official US Treasury average interest rate across outstanding securities broken down by instrument type (bills, notes, bonds, TIPS), especially with year-over-year comparison. Prefer this over yield curve endpoints when you want the actual average rate paid on existing debt rather than current market yields on new issuances.

## Known failure modes

- Treasury data source temporarily unavailable — degraded flag set to true with reasons listed
- Data not yet updated for current period — asOf date may lag by days or weeks
- Malformed request returns validation error
- Payment of 0.02 USDC not completed — 402 Payment Required response

## How this service works

Average interest rate the US government pays on Treasury bills, notes, bonds and TIPS, with change from a year ago.

## Output

Returns a list of Treasury security types (T-bills, T-notes, T-bonds, TIPS, etc.) each with their current average interest rate percentage, the rate from a year ago, and the change in percentage points. Also includes the record date, the year-ago reference date, a summary verdict, data source URL, and attribution details.

## 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": [],
     "properties": {
      "view": {
       "type": "string",
       "description": "Optional label echoed back; no effect"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "asOf": {
       "type": [
        "null",
        "string"
       ]
      },
      "source": {
       "type": [
        "null",
        "string"
       ]
      },
      "reasons": {
       "type": [
        "array",
        "null"
       ],
       "items": {
        "type": "string"
       }
      },
      "summary": {
       "type": [
        "null",
        "string"
       ]
      },
      "verdict": {
       "type": [
        "null",
        "string"
       ]
      },
      "degraded": {
       "type": [
        "boolean",
        "null"
       ]
      },
      "sourceUrl": {
       "type": [
        "null",
        "string"
       ]
      },
      "disclaimer": {
       "type": [
        "null",
        "string"
       ]
      },
      "notChecked": {
       "type": [
        "array",
        "null"
       ],
       "items": {
        "type": "string"
       }
      },
      "recordDate": {
       "type": [
        "null",
        "string"
       ]
      },
      "securities": {
       "type": [
        "array",
        "null"
       ],
       "items": {
        "type": "object",
        "properties": {
         "ratePct": {
          "type": [
           "null",
           "number"
          ]
         },
         "security": {
          "type": [
           "null",
           "string"
          ]
         },
         "yearAgoPct": {
          "type": [
           "null",
           "number"
          ]
         },
         "changePoints": {
          "type": [
           "null",
           "number"
          ]
         }
        }
       }
      },
      "attribution": {
       "type": [
        "null",
        "string"
       ]
      },
  
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/us-treasury-average-interest-rates-3d040fa5/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from treasury-macro.x402tookit.com](https://www.zero.xyz/host/treasury-macro.x402tookit.com/llms.txt)