# x402stock Federal Funds Rate

> x402stock Federal Funds Rate is a paid API for AI agents from x402stock.xyz, paid per call via x402, $0.01/call, status healthy (last checked 2026-09-14, last successful call 2026-09-01).

Returns the current effective federal funds rate as a monthly average, with latest value, prior month, month-over-month and year-over-year changes, and recent history, sourced from FRED.

## Facts

- Endpoint: GET https://x402stock.xyz/api/v1/fed-funds
- Price: $0.01/call
- Payment: x402
- Status: healthy
- Last checked: 2026-09-14
- Last successful call: 2026-09-01
- Success rate: 100% of calls made through Zero
- Activations on Zero: 1
- Tags: x402
- Canonical page: https://www.zero.xyz/c/x402stock-federal-funds-rate-15a14f8c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_5WD9AVqlDjt9rj04rLa5x

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 x402stock-federal-funds-rate-15a14f8c
```

Example prompt: What's the current effective federal funds rate, and how has it changed compared to last month and a year ago? Pull the latest FRED data including recent history.

## When to prefer this

Use this endpoint when you need the authoritative US federal funds rate from FRED without specifying any ticker or series ID yourself — ideal for rate-sensitive financial analysis, macroeconomic modeling, or any workflow that needs the Fed's benchmark policy rate with historical context and change metrics in a single call.

## Known failure modes

- FRED data temporarily unavailable — upstream outage may delay refresh
- Payment failure — 402 response if USDC payment not processed
- Stale data — rate reflects last available monthly average, not real-time intraday
- No prior or change values returned if latest is the first data point in history

## How this service works

The effective federal funds rate — the Fed's benchmark policy rate that anchors every other US interest rate — as a monthly average in percent, with the latest value, prior month, month-over-month and year-over-year change, and recent history. No ticker needed. The rate every rate-sensitive analysis starts from. Sourced from the St. Louis Fed (FRED). From x402stock

## Output

Returns a JSON object containing the FRED series ID and title, unit and frequency, the latest monthly rate value with date, the prior month value with date, the absolute change, month-over-month percent change, year-over-year percent change, and an array of recent monthly historical data points (each with date and value). The as_of field indicates data freshness.

## Example request

```json
{}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "properties": {
   "type": "string"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "unit": "percent",
  "as_of": "2026-05-01T00:00:00.000Z",
  "prior": {
   "date": "2026-04-01",
   "value": 4.33
  },
  "title": "Effective Federal Funds Rate",
  "change": 0,
  "latest": {
   "date": "2026-05-01",
   "value": 4.33
  },
  "source": "fred",
  "history": [
   {
    "date": "2026-05-01",
    "value": 4.33
   }
  ],
  "frequency": "monthly",
  "series_id": "FEDFUNDS",
  "yoy_percent": -2.8,
  "change_percent": 0
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402stock-federal-funds-rate-15a14f8c/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402stock.xyz](https://www.zero.xyz/host/x402stock.xyz/llms.txt)