# verza: South African verification API

KYB and identity verification primitives for AI agents, paid per call via x402 (USDC on Base).
Independent verification service over public data and standard checksum algorithms. Structural validation does not confirm registration with SARS, Home Affairs or any authority. No identity data is stored; identity query parameters are never logged.

Catalog (free): https://verza.dev/catalog

## Endpoints
- https://verza.dev/v1/vat-validate?vat=4012345676 (free) : 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.
- https://verza.dev/v1/id-validate?id=8001015009087 ($0.01) : 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. Stateless, never stored or logged (POPIA-conscious by construction). Confirms structure only, not registration with Home Affairs. Also callable as /v1/id-validate/{id}.
- https://verza.dev/v1/loan-check?credit_type=unsecured&annual_rate_percent=28.5&date_concluded=2024-03-15 ($0.25) : 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. Covers every Reg 42 credit type including mortgage agreements, credit facilities, unsecured credit, short-term credit and developmental credit. Verdict, exact cap, excess and full workings, from daily-audited SARB and gazette data, for credit providers, compliance teams and the interest-rate limb of a reckless-lending or affordability review. Covers every agreement under the current Regulation 42 table (concluded 2016-05-06 or later). Also callable as /v1/loan-check/{credit_type}/{annual_rate_percent}/{date_concluded}.
- https://verza.dev/v1/bulk-validate ($0.05) : Validate up to 50 South African identifiers in one settled call: ID numbers, VAT numbers, or a mix. Batch screening of a customer or supplier list for structurally invalid South African identifiers, for onboarding, KYC and KYB compliance clean-ups. Same checks and same honest scope as the single endpoints, with a summary of how many passed. Cheaper than five individual ID checks and a single round trip instead of fifty.

In development: /v1/company-check, full CIPC registry lookup via licensed bureau data.