# US Treasury Average Interest Rates

> US Treasury Average Interest Rates is a paid API for AI agents from avg-interest-rates.use.x402atlas.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-16).

Returns the latest month's average interest rates the US Treasury pays on its outstanding debt, broken down by security type (T-bills, Notes, Bonds, TIPS, FRNs, savings securities, and total).

## Facts

- Endpoint: GET https://avg-interest-rates.use.x402atlas.com/latest?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-16
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/us-treasury-average-interest-rates-54faa4ea
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_FlrOuDCWYhEj0pg-kkUYS

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-54faa4ea
```

Example prompt: What is the average interest rate the US Treasury is currently paying on its outstanding debt — break it down by security type like T-bills, Notes, Bonds, and TIPS?

## When to prefer this

Use this endpoint when you need the official, government-sourced average interest rates the US Treasury pays on its outstanding debt by security type for the most recent month. Prefer this over scraped or third-party rate aggregators when accuracy and official sourcing matter, such as for fiscal analysis, policy research, or financial reporting dashboards.

## Known failure modes

- Data may lag by one month if Treasury Fiscal Data hasn't published the latest figures yet
- No input parameters available so no user-input validation errors expected
- Upstream Fiscal Data source outage could cause stale or missing data
- Payment failure (402) if USDC payment is not submitted correctly

## How this service works

Average interest rate the US Treasury pays on its outstanding debt, latest month, by security: Treasury Bills (T-bills), Notes, Bonds, TIPS, FRNs, savings securities and total interest-bearing debt. Official Fiscal Data figures for tracking the cost of US government borrowing and national debt interest.

## Output

Returns a JSON object with the record date (month-end YYYY-MM-DD), a count of securities returned, and an array of rate objects each containing the security class name (e.g. Treasury Bills, Treasury Notes), its category (Marketable, Non-marketable, or Interest-bearing Debt), and the average interest rate as a percentage. Data sourced from official US Treasury Fiscal Data.

## 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",
     "properties": {}
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "required": [
      "record_date",
      "count",
      "rates"
     ],
     "properties": {
      "count": {
       "type": "integer",
       "description": "Number of rates returned."
      },
      "rates": {
       "type": "array",
       "items": {
        "type": "object",
        "required": [
         "security_type",
         "security",
         "avg_interest_rate_pct"
        ],
        "properties": {
         "security": {
          "type": "string",
          "description": "Security class, e.g. Treasury Bills."
         },
         "security_type": {
          "type": "string",
          "description": "Marketable, Non-marketable or Interest-bearing Debt."
         },
         "avg_interest_rate_pct": {
          "type": "number",
          "description": "Average interest rate, in percent."
         }
        }
       }
      },
      "record_date": {
       "type": "string",
       "format": "date",
       "description": "Month-end date (YYYY-MM-DD) the rates are for."
      }
     }
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/us-treasury-average-interest-rates-54faa4ea/health.json
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