verza

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. Also callable as /v1/id-validate/{id}.

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}.

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.