Verdicts on South African credit agreements against the National Credit Act rate caps, plus identity and VAT validation. Cited, stateless, and never stores identity data. Get a free API key, or pay per call in USDC via the x402 protocol with no account at all.
Free endpoint, answers instantly. Paid endpoints reply 402 with payment terms in the headers.
One discipline throughout: a check states exactly what it does and does not confirm. Structural validity is never dressed up as registry truth, and rejected input is a free 400, never a paid answer.
Is this credit agreement's interest rate lawful? Verdict against the NCA Regulation 42 cap, with the exact cap, any excess and the full workings.
Structural validation of a South African VAT registration number (VAT vendor number): 10 digits, leading 4, check digit. Use it to screen a supplier or customer VAT number before invoicing or claiming input VAT. Free. Confirms format only, not active SARS registration.
Structural validation of a South African identity number with safe decode: Luhn check digit, birth date, gender and citizenship segments (citizen or permanent resident). The structural step in KYC, KYB and customer onboarding or due diligence workflows: derive date of birth, age, gender and citizenship without storing the identity. Run it before a paid registry lookup rather than instead of one: a Home Affairs check is priced in rands per query, so screening structurally first means you never spend one on a number that could not have been issued. Stateless, never stored or logged (POPIA-conscious by construction). Confirms structure only, not registration with Home Affairs.
Validate up to 50 South African ID and VAT numbers in one settled call, with a summary of how many passed.
Validate a South African phone number, email address and ID number in one call: E.164, line type, original network, MX, disposable and role flags.
Decode a CIPC enterprise number: registration year, sequence and entity type. Format only. It does not confirm the enterprise exists.
Domain age, registry status and DNS from RDAP. South African .za names are refused. Dates and status only.
Screen an IP against the Tor exit list and published cloud ranges, and name the country and network from public registry data.
CIPC number format, VAT format, domain age and email DNS in one call. It does not confirm CIPC, SARS or a B-BBEE level.
A published points sum over a phone number, an email, an ID number and an IP address. The score is an input to a person, not a decision.
Full CIPC registry lookup. Needs CIPC API access; no free source exists. Free structural check available now at /v1/company-validate.
Public-contract award history by supplier. Held back until a source that actually publishes award records is verified; the live eTenders OCDS feed currently carries none.
Pay per call over x402 with no account at all, which is what agents do. If you would rather hold a plain API key with no crypto involved, the free tier issues one at /signup. Machine-readable discovery via llms.txt, OpenAPI 3.1 and x402.json.
$0.01 USDC per identity check, domain check or IP check. $0.02 per contact check or business pre-screen. $0.05 per bulk call of up to 50 identifiers or per risk score. $0.25 per NCA loan verification. Settled on Base with no signup. VAT validation, CIPC number format and the catalog are free. A free API key covers your first checks each month if you prefer not to touch crypto.
Identity inputs are validated in memory and never stored. Access logs record path and status only, never query parameters, and a daily audit mechanically re-verifies that claim.
zaref.dev serves the numbers: SA reference data, 33 verified series and 29 calculators, same payment rail, same source-citation discipline.