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Verza NCA Loan Agreement Lawfulness Checker
x402
Verza NCA Loan Agreement Lawfulness Checker is a paid API for AI agents from verza.dev, paid per call via x402, $0.25/call, status unknown (last checked 2026-09-13).
Checks whether a South African loan agreement's interest rate is lawful under the National Credit Act Reg 42 interest-rate caps
Price / call$0.25
Success—
StatusUnknown
How this service works
South African NCA loan agreement verification (Reg 42 Verify): Independent lawfulness check of a South African credit agreement's interest rate against the National Credit Act (NCA) Regulation 42 maximum rate caps, the statutory interest rate cap that replaced the old usury limits: the maximum rate is fixed at the repo rate on the date the agreement was concluded.
Output
Returns a JSON object with a 'verdict' field ('lawful' or 'unlawful'), the charged interest percentage, the maximum lawful interest percentage under NCA Reg 42, and the excess percentage points if the rate is unlawful.
Example use cases
Fintech loan origination compliance check
“Before we issue this personal loan at 28.5% interest to a South African customer, check whether that rate is lawful under the NCA Reg 42 interest caps.”
Legal audit of existing credit portfolio
“I have a batch of South African loan agreements and one charges 35% interest — can you check if that's lawful under Reg 42 and tell me the excess percentage points over the legal cap?”
Consumer protection complaint screening
“A South African borrower is complaining their lender is charging 40% interest. Can you verify whether that rate violates the NCA Reg 42 maximum and by how much?”
Technical details
Endpoint
GEThttps://verza.dev/v1/loan-checkWhen to prefer
Use this endpoint when you need to programmatically verify whether a specific South African loan agreement's interest rate complies with the National Credit Act Regulation 42 interest-rate caps, especially in fintech origination pipelines, legal audits, or consumer protection workflows. It is purpose-built for South African NCA compliance and provides the exact cap value and excess, unlike generic legal databases or manual lookups.
Side effects
- Missing or invalid interest rate input returns an error response
- Loan type not recognized under Reg 42 categories may return an error or undefined cap
- Network or service unavailability returns a non-200 status
- Insufficient USDC balance or x402 payment failure blocks the call
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"verdict": "unlawful",
"interest": {
"charged_percent": 32,
"maximum_lawful_percent": 28.25,
"excess_percentage_points": 3.75
}
}
}Tags
x402
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