# Verza NCA Loan Agreement Lawfulness Checker

> 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

## Facts

- Endpoint: GET https://verza.dev/v1/loan-check
- Price: $0.25/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/verza-nca-loan-agreement-lawfulness-checker-def1f278
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_pQ9y1ovqKW1l9vB2lu5Lt

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 verza-nca-loan-agreement-lawfulness-checker-def1f278
```

Example prompt: Can you check if a South African loan agreement charging 32% interest is lawful under the NCA Reg 42 caps, and tell me by how much it exceeds the legal maximum if it does?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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": [
      "credit_type",
      "annual_rate_percent",
      "date_concluded"
     ],
     "properties": {
      "credit_type": {
       "enum": [
        "unsecured",
        "mortgage",
        "credit_facility",
        "developmental",
        "other",
        "short_term",
        "incidental"
       ],
       "type": "string"
      },
      "date_concluded": {
       "type": "string"
      },
      "annual_rate_percent": {
       "type": "string"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "verdict": "unlawful",
  "interest": {
   "charged_percent": 32,
   "maximum_lawful_percent": 28.25,
   "excess_percentage_points": 3.75
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/verza-nca-loan-agreement-lawfulness-checker-def1f278/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from verza.dev](https://www.zero.xyz/host/verza.dev/llms.txt)