Ask a ZARONIA question. Get the source, the calculation and the audit trail.
Answer transition questions with sources, not opinions.
Grounded Q&A over a 56-document corpus: JIBAR cessation, the draft transition notices, and convention guidance for FRNs, loans, OIS, basis swaps, caplets, caps/floors and swaptions.
Factual answers are grounded in retrieved passages, and citation IDs are validated before display; click a chip to open the exact cited source passage.
The 6 July 2026 draft transition notices are answered by legacy-product category, with draft status visibly qualified and never presented as final.
Reproduce every accrual, down to the daily factor.
Fixings current through 20 Jul 2026
Official ZARONIA from 2022-11-01 onward, refreshed on a schedule from the SARB Web API, with visible fixing coverage and opt-in proxy history for the earlier period.
Lockout, weighted average, index, day count and accrued interest all run through deterministic Decimal arithmetic, so the same inputs always produce the same answer.
Audit data is produced by the calculation engine itself, so every accrual can be reproduced from published fixings and inspected daily factor by daily factor.
Explore schedules and pricing on clearly labelled data.
ZAR business-day payment schedules and interactive fixing charts, generated directly from tool output, not hand-drawn illustrations.
Deterministic, tested numerical routines price OIS and caps/floors on demonstration curves, mock volatilities or user-supplied market data.
Each result is labelled Published SARB, Demonstration curve, Mock volatility or User-supplied data, and never presented as live valuation.
The abuse-limited anonymous trial answers open, source-backed questions with citation chips. Calculation and pricing examples unlock with a free account.
"What replaces 3-month JIBAR after cessation, and under which draft notice?"
Grounded in the 6 July 2026 draft transition notices, by legacy-product category, with draft status surfaced.
"How is compounded ZARONIA in arrears defined for a quarterly FRN?"
Answered from the curated knowledge base with validated citation IDs you can open and read.
"Which draft notice applies to this legacy property loan, and what changes at cessation?"
"Compare the lookback, payment lag and rounding for a quarterly FRN and a 3M caplet."
"Reproduce the accrual from published fixings and inspect each daily factor."
"Generate a ZAR business-day schedule and price an OIS using clearly labelled demonstration curves."
Two clearly labelled lanes, so newer pricing capabilities never imply live valuation.
Official ZARONIA from 2022-11-01 onward, with opt-in proxy history for the earlier period. Scheduled refresh from the SARB Web API, with visible fixing coverage. Accrual calculations run in deterministic Decimal arithmetic.
Published SARB
Schedules, charts and indicative OIS and cap/floor pricing run on demonstration curves, mock volatilities or user-supplied market data: deterministic, tested numerical routines, never presented as live valuation.
Demonstration curve Mock volatility User-supplied data
Sign-up / login (fastapi-users) with a corporate-email allowlist; personal domains rejected. Abuse-limited anonymous trial.
Quota and usage metering are built in: token & request usage per user per UTC day, a 429 when exceeded, shown live in the header.
Superuser-only /admin lists every account's usage and can reset it, gated and rate-limited; admin actions are recorded in application logs.
Authenticated multi-conversation history with rename, delete and resume, persisted in Postgres alongside users and usage.
Per-session rate limiting, brute-force guard on /auth/*, message caps, bounded history, idle auto-logout.
Refuses to start without strong secrets and a closed allowlist; secure cookies and sanitised errors.
Shared SaaS, dedicated environment and self-hosted deployment options: pick the pattern that matches your governance posture.
Multi-tenant on our AWS, with fast onboarding and automatic model updates.
Isolated infrastructure in the client's region, with data residency for POPIA & in-region mandates.
Assistant + deterministic engine behind the firewall; the calc core runs with no external API key.
Per-user, per-day token and request metering is built into the platform, the foundation for consumption models on any tier.
Model-validation support (SR 11-7 / SARB model risk; IOSCO benchmark principles) is available as a professional service. Exportable audit packs are on the roadmap.
Source-grounded transition guidance, reproducible historical accruals and clearly labelled indicative analytics, with the boundaries stated on the page, not hidden in a footer.