verza.dev

https://verza.dev/v1/loan-check

Shares a payout wallet with 109 other endpoints — its adoption is attributed from that shared wallet's traffic, not earned exclusively.

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.

58
reliability

Reliability & health

Uptime and response time from our own unpaid probes, plus the reliability score built from them.

7 days 30 days

Uptime

100.0% avg
0% 50% 100% Thu 11 PMSun 6 AMTue 1 PMThu 9 PM

Response time

p50 856ms · p95 927ms
0ms 850ms 1700ms Thu 11 PMSun 6 AMTue 1 PMThu 9 PM
Data table
Reliability history per time bucket over the last 7 days (hourly).
Bucket Uptime Probes Response time
8/13/2026, 11:00:00 PM 100% 1 888ms
8/14/2026, 12:00:00 AM 100% 1 860ms
8/14/2026, 1:00:00 AM 100% 1 890ms
8/14/2026, 3:00:00 AM 100% 1 848ms
8/14/2026, 4:00:00 AM 100% 1 856ms
8/14/2026, 5:00:00 AM 100% 1 893ms
8/14/2026, 6:00:00 AM 100% 1 876ms
8/14/2026, 7:00:00 AM 100% 1 929ms
8/14/2026, 8:00:00 AM 100% 1 904ms
8/14/2026, 10:00:00 AM 100% 1 864ms
8/14/2026, 11:00:00 AM 100% 1 852ms
8/14/2026, 12:00:00 PM 100% 1 850ms
8/14/2026, 1:00:00 PM 100% 1 861ms
8/14/2026, 2:00:00 PM 100% 1 875ms
8/14/2026, 3:00:00 PM 100% 1 876ms
8/14/2026, 5:00:00 PM 100% 1 902ms
8/14/2026, 6:00:00 PM 100% 1 929ms
8/14/2026, 7:00:00 PM 100% 1 848ms
8/14/2026, 8:00:00 PM 100% 1 927ms
8/14/2026, 9:00:00 PM 100% 1 881ms
8/14/2026, 10:00:00 PM 100% 1 887ms
8/14/2026, 11:00:00 PM 100% 1 868ms
8/15/2026, 12:00:00 AM 100% 1 918ms
8/15/2026, 2:00:00 AM 100% 1 852ms
8/15/2026, 3:00:00 AM 100% 1 860ms
8/15/2026, 4:00:00 AM 100% 1 875ms
8/15/2026, 5:00:00 AM 100% 1 847ms
8/15/2026, 6:00:00 AM 100% 1 884ms
8/15/2026, 7:00:00 AM 100% 1 856ms
8/15/2026, 8:00:00 AM 100% 1 852ms
8/15/2026, 9:00:00 AM 100% 1 876ms
8/15/2026, 11:00:00 AM 100% 1 814ms
8/15/2026, 12:00:00 PM 100% 1 858ms
8/15/2026, 1:00:00 PM 100% 1 872ms
8/15/2026, 2:00:00 PM 100% 1 891ms
8/15/2026, 3:00:00 PM 100% 1 869ms
8/15/2026, 4:00:00 PM 100% 1 849ms
8/15/2026, 6:00:00 PM 100% 1 849ms
8/15/2026, 7:00:00 PM 100% 1 854ms
8/15/2026, 8:00:00 PM 100% 1 931ms
8/15/2026, 9:00:00 PM 100% 1 839ms
8/15/2026, 10:00:00 PM 100% 1 852ms
8/15/2026, 11:00:00 PM 100% 1 847ms
8/16/2026, 1:00:00 AM 100% 1 854ms
8/16/2026, 2:00:00 AM 100% 1 836ms
8/16/2026, 3:00:00 AM 100% 1 865ms
8/16/2026, 4:00:00 AM 100% 1 891ms
8/16/2026, 5:00:00 AM 100% 1 827ms
8/16/2026, 6:00:00 AM 100% 1 860ms
8/16/2026, 8:00:00 AM 100% 1 836ms
8/16/2026, 9:00:00 AM 100% 1 867ms
8/16/2026, 10:00:00 AM 100% 1 835ms
8/16/2026, 11:00:00 AM 100% 1 842ms
8/16/2026, 12:00:00 PM 100% 1 324ms
8/16/2026, 1:00:00 PM 100% 1 877ms
8/16/2026, 3:00:00 PM 100% 1 915ms
8/16/2026, 4:00:00 PM 100% 1 322ms
8/16/2026, 5:00:00 PM 100% 1 849ms
8/16/2026, 6:00:00 PM 100% 1 920ms
8/16/2026, 7:00:00 PM 100% 1 897ms
8/16/2026, 8:00:00 PM 100% 1 852ms
8/16/2026, 10:00:00 PM 100% 1 865ms
8/16/2026, 11:00:00 PM 100% 1 862ms
8/17/2026, 12:00:00 AM 100% 1 921ms
8/17/2026, 1:00:00 AM 100% 1 848ms
8/17/2026, 2:00:00 AM 100% 1 874ms
8/17/2026, 3:00:00 AM 100% 1 862ms
8/17/2026, 5:00:00 AM 100% 1 406ms
8/17/2026, 6:00:00 AM 100% 1 833ms
8/17/2026, 7:00:00 AM 100% 1 926ms
8/17/2026, 8:00:00 AM 100% 1 856ms
8/17/2026, 9:00:00 AM 100% 1 852ms
8/17/2026, 10:00:00 AM 100% 1 873ms
8/17/2026, 12:00:00 PM 100% 1 463ms
8/17/2026, 1:00:00 PM 100% 1 948ms
8/17/2026, 2:00:00 PM 100% 1 898ms
8/17/2026, 3:00:00 PM 100% 1 903ms
8/17/2026, 4:00:00 PM 100% 1 860ms
8/17/2026, 5:00:00 PM 100% 1 849ms
8/17/2026, 7:00:00 PM 100% 1 1691ms
8/17/2026, 8:00:00 PM 100% 1 861ms
8/17/2026, 9:00:00 PM 100% 1 334ms
8/17/2026, 10:00:00 PM 100% 1 342ms
8/17/2026, 11:00:00 PM 100% 1 858ms
8/18/2026, 12:00:00 AM 100% 1 362ms
8/18/2026, 2:00:00 AM 100% 1 923ms
8/18/2026, 3:00:00 AM 100% 1 874ms
8/18/2026, 4:00:00 AM 100% 1 849ms
8/18/2026, 5:00:00 AM 100% 1 336ms
8/18/2026, 6:00:00 AM 100% 1 905ms
8/18/2026, 7:00:00 AM 100% 1 916ms
8/18/2026, 9:00:00 AM 100% 1 852ms
8/18/2026, 10:00:00 AM 100% 1 847ms
8/18/2026, 11:00:00 AM 100% 1 923ms
8/18/2026, 12:00:00 PM 100% 1 902ms
8/18/2026, 1:00:00 PM 100% 1 896ms
8/18/2026, 2:00:00 PM 100% 1 859ms
8/18/2026, 3:00:00 PM 100% 1 867ms
8/18/2026, 5:00:00 PM 100% 1 847ms
8/18/2026, 6:00:00 PM 100% 1 888ms
8/18/2026, 7:00:00 PM 100% 1 844ms
8/18/2026, 8:00:00 PM 100% 1 878ms
8/18/2026, 9:00:00 PM 100% 1 975ms
8/18/2026, 10:00:00 PM 100% 1 843ms
8/19/2026, 12:00:00 AM 100% 1 848ms
8/19/2026, 1:00:00 AM 100% 1 842ms
8/19/2026, 2:00:00 AM 100% 1 870ms
8/19/2026, 3:00:00 AM 100% 1 867ms
8/19/2026, 4:00:00 AM 100% 1 847ms
8/19/2026, 5:00:00 AM 100% 1 831ms
8/19/2026, 7:00:00 AM 100% 1 926ms
8/19/2026, 8:00:00 AM 100% 1 879ms
8/19/2026, 9:00:00 AM 100% 1 849ms
8/19/2026, 10:00:00 AM 100% 1 896ms
8/19/2026, 11:00:00 AM 100% 1 902ms
8/19/2026, 12:00:00 PM 100% 1 864ms
8/19/2026, 2:00:00 PM 100% 1 946ms
8/19/2026, 3:00:00 PM 100% 1 842ms
8/19/2026, 4:00:00 PM 100% 1 863ms
8/19/2026, 5:00:00 PM 100% 1 844ms
8/19/2026, 6:00:00 PM 100% 1 865ms
8/19/2026, 7:00:00 PM 100% 1 821ms
8/19/2026, 8:00:00 PM 100% 1 788ms
8/19/2026, 9:00:00 PM 100% 1 778ms
8/19/2026, 11:00:00 PM 100% 1 782ms
8/20/2026, 12:00:00 AM 100% 1 789ms
8/20/2026, 1:00:00 AM 100% 1 266ms
8/20/2026, 2:00:00 AM 100% 1 770ms
8/20/2026, 3:00:00 AM 100% 1 262ms
8/20/2026, 4:00:00 AM 100% 1 266ms
8/20/2026, 5:00:00 AM 100% 1 263ms
8/20/2026, 7:00:00 AM 100% 1 269ms
8/20/2026, 8:00:00 AM 100% 1 266ms
8/20/2026, 9:00:00 AM 100% 1 770ms
8/20/2026, 10:00:00 AM 100% 1 265ms
8/20/2026, 11:00:00 AM 100% 1 266ms
8/20/2026, 12:00:00 PM 100% 1 780ms
8/20/2026, 2:00:00 PM 100% 1 268ms
8/20/2026, 3:00:00 PM 100% 1 268ms
8/20/2026, 4:00:00 PM 100% 1 273ms
8/20/2026, 6:00:00 PM 100% 1 270ms
8/20/2026, 7:00:00 PM 100% 1 269ms
8/20/2026, 8:00:00 PM 100% 1 271ms
8/20/2026, 9:00:00 PM 100% 1 265ms
58
Composite reliability — the weighted average of the dimensions below, on a 0–100 scale.
Availability
100

How often it was reachable when we probed it (weight 35%).

Latency
79

How quickly it answers when it is up — fast scores high (weight 20%).

Security
100

Whether it serves over working TLS / https (weight 15%).

Transparency
61

Whether the operator disclosed what it does — description, schema, identity (weight 15%).

Activity
4

Observed on-chain payments to this endpoint's wallet — transactions, volume, and distinct paying wallets over the last month (weight 15%; not yet measured when we have not seen its wallet settle).

Confidence 100% — how much probe evidence backs this score. A thin history is flagged, not hidden.

See the scoring methodology for exactly how each number is computed.

Payment

Currencies
USDC
Networks
base
Facilitator
unknown
SDK
unknown

Operator

Company
inferred — unknown
Jurisdiction
—
Registrar
CloudFlare, Inc.
Domain registered
2026-07-15
Hosting network
CLOUDFLARENET
Hosting country
—

Operator context is derived from public RDAP/TLS records and unverified. Company and country are only available for endpoints that publish them (an OV/EV TLS certificate or a non-redacted domain record); most endpoints are CDN-fronted and disclose neither.

On-chain activity (base)

58
payments (30d)
3
USD volume (30d)
10
paying wallets (30d)

Payments per day

last payment 8/18/2026
0 10 20 Jul 22Jul 27Aug 12Aug 18
Data table
Settled payments per day.
Day Payments Volume (USD) Paying wallets
7/22/2026 18 0.83 4
7/23/2026 6 0.05 2
7/25/2026 5 1.52 2
7/26/2026 13 0.23 2
7/27/2026 6 0.33 3
7/30/2026 1 0.01 1
8/8/2026 3 0.03 1
8/12/2026 1 0.01 1
8/13/2026 1 0.01 1
8/14/2026 1 0.01 1
8/17/2026 2 0.01 2
8/18/2026 1 0.01 1

This payout wallet is shared: figures cover all 110 endpoints paid at it, since payments cannot be attributed to one of them. Only payments settled on chains and facilitators we index.

Linked by wallet — likely same operator

On-chain agent identity and the x402 endpoint that shares its settlement wallet.

https://zaref.dev/v1/bcea-thresholds/history x402 endpoint https://jurat.dev/v1/conformance x402 endpoint https://jurat.dev/v1/preflight x402 endpoint https://jurat.dev/v1/scores x402 endpoint https://verza.dev/v1/id-validate x402 endpoint https://jurat.dev/v1/wake/create x402 endpoint
Response schema 
{
  "type": "object"
}