# mearef — Middle Eastern government reference data

No account. No API key. No signup. Pay per call with x402.

Clean, cited JSON for Middle Eastern government reference values — central-bank
policy rates, VAT, minimum wages, CPI inflation, corporate & personal income tax,
and public holidays across 9 countries. Every response includes the
official source URL, effective date, last_confirmed date and a stale flag.

## If you sell over x402, start here
Making a cross-border digital sale? Before you settle, know who accounts for the VAT:
- POST https://mearef.dev/v1/vat/determine {seller_country, buyer_country, buyer_type?}
  → place of supply, who accounts for VAT, rate basis, registration trigger — each
    cited to the statute (EU / UK / South Africa). Wallet-only buyer with no tax id →
    treated as B2C and flagged. Out-of-scope country pairs are refused FREE (422),
    never guessed. $0.10/call.

## Sources & licence
Every value is compiled from official government sources — central banks,
finance and labour ministries, revenue authorities, statistical offices — and
each response cites the exact official source URL it was verified against.
Independent service, not affiliated with any government. Verify against the
cited official source before legal or financial use.

## How to call a paid endpoint (x402)
1. Call the endpoint with no payment. You get HTTP 402. The payment challenge is in the
   base64-encoded `payment-required` RESPONSE HEADER (the body is an empty `{}`); decode it to see
   price, asset (USDC), network (eip155:8453 = Base) and pay-to address.
2. Sign the payment with any x402 client — @x402/fetch wraps fetch and does
   steps 1-3 automatically.
3. Retry with the signed X-PAYMENT header. You get HTTP 200 + the data;
   the settlement receipt is returned in the PAYMENT-RESPONSE header.
Bad input is rejected FREE (4xx before the payment gate) — you never pay to fail.
Free, no payment: https://mearef.dev/catalog · https://mearef.dev/llms.txt · https://mearef.dev/openapi.json · public holidays.

## Pricing ladder
- $0.001/call — any single series value, its history, or the change feed
- $0.02 — full regional snapshot (/v1/all) · VAT breakdown · working-days calculator
- $0.05 — minimum-wage compliance check · income-tax computation
- $0.10 — gross-to-net payroll (NG, KE) · cross-border VAT determination · webhook alerts
Licensed tiers / API keys: api@3l-groupconsulting.co.za

## Machine-readable discovery
- x402 resource map: https://mearef.dev/.well-known/x402.json
- Agent card: https://mearef.dev/.well-known/agent.json
- OpenAPI: https://mearef.dev/openapi.json
- MCP server (streamable HTTP): https://mearef.dev/mcp — tools: list_series, get_public_holidays (free); get_series, get_series_history, get_snapshot (paid via x402 or api_key)

## Series
- GET /v1/ae/policy-rate — United Arab Emirates: CBUAE Base Rate (Overnight Deposit Facility)
- GET /v1/ae/vat — United Arab Emirates: VAT standard rate
- GET /v1/ae/minimum-wage — United Arab Emirates: Statutory minimum wage
- GET /v1/ae/public-holidays — United Arab Emirates: Public holidays (free)
- GET /v1/ae/cpi — United Arab Emirates: CPI inflation (year-on-year)
- GET /v1/ae/corporate-tax — United Arab Emirates: Corporate Tax (headline rate)
- GET /v1/ae/income-tax — United Arab Emirates: Personal income tax
- GET /v1/bh/policy-rate — Bahrain: CBB Key Policy Rate — one-week deposit rate
- GET /v1/bh/vat — Bahrain: Value-added tax (VAT) — standard rate
- GET /v1/bh/minimum-wage — Bahrain: Statutory national minimum wage
- GET /v1/bh/public-holidays — Bahrain: Official public holidays (free)
- GET /v1/bh/cpi — Bahrain: Consumer Price Index (latest month)
- GET /v1/bh/corporate-tax — Bahrain: General corporate income tax rate
- GET /v1/bh/income-tax — Bahrain: Personal income tax
- GET /v1/il/policy-rate — Israel: Bank of Israel interest rate
- GET /v1/il/vat — Israel: VAT standard rate (מס ערך מוסף)
- GET /v1/il/minimum-wage — Israel: National minimum wage
- GET /v1/il/public-holidays — Israel: Public holidays (free)
- GET /v1/il/cpi — Israel: CPI inflation (year-on-year)
- GET /v1/il/corporate-tax — Israel: Corporate income tax rate
- GET /v1/il/income-tax — Israel: Personal income tax brackets
- GET /v1/iq/policy-rate — Iraq: CBI Policy Rate (سعر السياسة النقدية)
- GET /v1/iq/vat — Iraq: Value-added tax (VAT)
- GET /v1/iq/minimum-wage — Iraq: National minimum wage (الحد الأدنى للأجور)
- GET /v1/iq/public-holidays — Iraq: Public holidays (free)
- GET /v1/iq/cpi — Iraq: Consumer Price Index (latest month)
- GET /v1/iq/corporate-tax — Iraq: Corporate income tax rate
- GET /v1/iq/income-tax — Iraq: Personal income tax (progressive bands)
- GET /v1/jo/policy-rate — Jordan: CBJ Main Policy Rate (سعر الفائدة الرئيسي للبنك المركزي)
- GET /v1/jo/vat — Jordan: General Sales Tax (GST) — standard rate
- GET /v1/jo/minimum-wage — Jordan: National minimum wage (الحد الأدنى للأجور)
- GET /v1/jo/public-holidays — Jordan: Public holidays 2026 (free)
- GET /v1/jo/cpi — Jordan: Consumer Price Index (latest month)
- GET /v1/jo/corporate-tax — Jordan: Corporate income tax rate (legal persons) — general rate
- GET /v1/jo/income-tax — Jordan: Personal income tax brackets (natural persons)
- GET /v1/kw/policy-rate — Kuwait: CBK Discount Rate
- GET /v1/kw/vat — Kuwait: Value-added tax (VAT)
- GET /v1/kw/minimum-wage — Kuwait: National minimum wage (private and oil sector)
- GET /v1/kw/public-holidays — Kuwait: Public holidays (free)
- GET /v1/kw/cpi — Kuwait: Consumer Price Index (latest month)
- GET /v1/kw/corporate-tax — Kuwait: Corporate income tax rate (foreign-owned share)
- GET /v1/kw/income-tax — Kuwait: Personal income tax
- GET /v1/om/policy-rate — Oman: CBO Repo Rate (interest rate on repurchase operations with the Central Bank of Oman)
- GET /v1/om/vat — Oman: Value Added Tax (VAT) — standard rate
- GET /v1/om/minimum-wage — Oman: Minimum wage for Omani nationals in the private sector
- GET /v1/om/public-holidays — Oman: Official public holidays (free)
- GET /v1/om/cpi — Oman: Consumer Price Index — annual inflation rate (latest month)
- GET /v1/om/corporate-tax — Oman: Corporate income tax — standard rate
- GET /v1/om/income-tax — Oman: Personal income tax
- GET /v1/qa/policy-rate — Qatar: QCB Deposit Rate (QCBDR)
- GET /v1/qa/vat — Qatar: Value-added tax (VAT)
- GET /v1/qa/minimum-wage — Qatar: National non-discriminatory minimum wage
- GET /v1/qa/public-holidays — Qatar: Public holidays (free)
- GET /v1/qa/cpi — Qatar: Consumer Price Index (latest month)
- GET /v1/qa/corporate-tax — Qatar: Corporate income tax rate
- GET /v1/qa/income-tax — Qatar: Personal income tax
- GET /v1/sa/policy-rate — Saudi Arabia: SAMA Repo Rate
- GET /v1/sa/vat — Saudi Arabia: Value Added Tax (standard rate)
- GET /v1/sa/minimum-wage — Saudi Arabia: Minimum wage for Saudi nationals (Saudization / Nitaqat)
- GET /v1/sa/public-holidays — Saudi Arabia: Public holidays (free)
- GET /v1/sa/cpi — Saudi Arabia: Consumer Price Index inflation (year-on-year)
- GET /v1/sa/corporate-tax — Saudi Arabia: Corporate income tax rate
- GET /v1/sa/income-tax — Saudi Arabia: Personal income tax

History: GET /v1/{country}/{series}/history?from=YYYY-MM-DD&to=YYYY-MM-DD — e.g. GET /v1/ae/policy-rate/history?from=2026-01-01
Changes + freshness (FREE, unmetered): GET /v1/changes?since=YYYY-MM-DD — what changed, plus how many of our 63 series were re-verified against their official source in the last 1/7/30/90 days, and which one has gone longest without a check. `since` is optional (defaults to 30 days).

## Answers (computed verdicts, POST JSON)
- POST /v1/answers/wage-check {country, amount, period, schedule?} — at/above/below the statutory minimum? Pass "schedule" to be measured against a sectoral/zonal/grade floor instead of the general one (Kenya 55, South Africa 24); omit it and we say so, because "above the national floor" is not "compliant". Keys: GET /catalog ($0.05)
- POST /v1/answers/vat {country, amount, mode?, band?} — net/tax/gross breakdown incl. levy components. Pass "band" for a statutory reduced/zero/super-reduced rate; we publish what each band covers in the authority's own words but do not classify supplies into bands. Keys: GET /catalog ($0.02)
- POST /v1/answers/working-days {country, from, to} — working days, holidays hit, next working day ($0.02)
- POST /v1/answers/income-tax {country, taxable_income} — statutory income tax + per-bracket workings ($0.05)
- POST /v1/answers/settlement-date {trade_date, calendars[], business_days | market + instrument_class} — settlement/value date: T+n business days across one or more national statutory calendars intersected, with a per-day trail, each calendar's basis and source, and the market cycle cited to its primary instrument where we hold one ($0.05). Cited cycles and what we deliberately refuse to cite: GET /settlement-conventions (free)
- POST /v1/vat/determine {seller_country, buyer_country, buyer_type?} — cross-border VAT treatment of a digital-services sale: place of supply, who accounts, rate basis, registration trigger, with the applied rule cited to the statute. EU, UK, South Africa; unknown buyer → B2C-default, flagged; out-of-scope pairs refused FREE (422), never guessed, never charged ($0.10)