Geo-Parity Banking Access.json API

openapi: 3.2.0
info:
  title: Geo-Parity Banking Access.json API
  version: 1.0.0
  description: 'Free, key-less JSON APIs behind geo-parity.com: purchasing power parity, fair global salaries, Schengen 90/180 compliance, cross-timezone meetings, contractor economics, freelance rates, tax-residency day counts, country comparison, cloud region latency, and a digital-nomad visa directory. All GET responses are cacheable; errors return { ok:false, code, message, example }. No key is required: anonymous callers get 1,500 requests/month per IP plus a 30/minute burst cap. An optional API key (Authorization: Bearer gp_live_..., created at /account) only raises those ceilings — responses are identical either way, and a key is metered per account rather than per key. Every response carries X-RateLimit-Limit / -Remaining / -Reset (the minute window) and X-Quota-Limit / -Remaining / -Reset (the calendar month, resetting on the 1st UTC); exceeding either returns 429 with Retry-After and code RATE_LIMITED (slow down) or QUOTA_EXCEEDED (allowance spent — retrying will not help). Figures are informational estimates, not financial/tax/legal advice. Machine discovery: /llms.txt and /.well-known/mcp.json; the same tools are also registered with the browser''s WebMCP ModelContext on every page, executing through /api/mcp.'
  contact:
    url: https://geo-parity.com
servers:
- url: https://geo-parity.com
security:
- {}
- bearerAuth: []
- apiKeyQuery: []
tags:
- name: Banking Access.json
paths:
  /api/banking-access.json:
    get:
      operationId: bankingAccess
      summary: Opening an account as a newcomer, deposit protection and instant payments
      description: Whether a non-resident can open a personal account (`yes`, `restricted`, `no`), the documents usually asked for, the statutory deposit guarantee in local currency and USD, the country's instant payment systems (World Bank Project FASTT), and the EU basic-account right where it applies. A hand-curated register over all 186 spine countries with the page and check date per row; secondary-sourced rows are marked. A country with no scheme has no `depositGuarantee` — never a zero. `country` for one, `countries` for a comparison; without either, a ranking by `metric`. International options are returned as categories, never named providers. For information only, not financial advice.
      parameters:
      - name: country
        in: query
        schema:
          type: string
        description: ISO alpha-2 code for a single country, e.g. PT.
      - name: countries
        in: query
        schema:
          type: string
        description: Comma-separated ISO alpha-2 codes, at least two.
      - name: metric
        in: query
        schema:
          type: string
          enum:
          - depositGuaranteeUsd
          - instantPaymentsSince
        description: 'Ranking metric: depositGuaranteeUsd (default) or instantPaymentsSince.'
      - name: sort
        in: query
        schema:
          type: string
          enum:
          - highest
          - lowest
        description: highest (default) or lowest; lowest lists the longest-running instant payment systems first.
      - name: access
        in: query
        schema:
          type: string
          enum:
          - 'yes'
          - restricted
          - 'no'
        description: Narrow a ranking to one non-resident access rule.
      - name: limit
        in: query
        schema:
          type: integer
          minimum: 1
        description: Maximum rows in a ranking.
      responses:
        '200':
          description: A country entry, a comparison, or a ranking, each with caveats, international account categories and attribution.
        '400':
          description: Fewer than two countries (TOO_FEW) or an unrecognised metric, sort or access value (INVALID_PARAM).
        '422':
          description: Country not on the 186-country spine (UNKNOWN_COUNTRY) or with no register entry (NO_DATA).
      tags:
      - Banking Access.json
components:
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: Optional Geo-Parity API key (gp_live_...), created at /account. Raises the monthly quota and per-minute burst; never changes a response. Metered per account, so extra keys do not add allowance.
    apiKeyQuery:
      type: apiKey
      in: query
      name: key
      description: The same key, for clients that cannot set headers.
externalDocs:
  description: 'Developer guide: quota ladder, error codes, API keys and MCP setup'
  url: https://geo-parity.com/developers/