{
  "name": "Home Loan Rates AU",
  "description": "Daily-updated Australian home loan interest rates: variable and fixed rates, comparison rates, fees and special offers from the Big 4 banks and Macquarie. Free for human visitors. Bots and AI agents require a micro-payment via HTTP 402.",
  "status": "hybrid",
  "human_access": {
    "method": "free",
    "detail": "Website and API are free for humans browsing normally."
  },
  "bot_access": {
    "method": "x402",
    "scheme": "https://x402.org/x402",
    "detail": "Automated requests (AI crawlers, LLM agents, scrapers) receive HTTP 402 Payment Required with X-402-* headers."
  },
  "endpoints": [
    {
      "path": "/api/rates",
      "summary": "Full home loan rates dataset (JSON)",
      "price": "micro-payment per request",
      "human_free": true
    },
    {
      "path": "/data/rates.json",
      "summary": "Raw dataset (static file, bots will be gated on the /api/rates equivalent)",
      "price": "micro-payment per request",
      "human_free": true
    }
  ],
  "payment": {
    "note": "Payment rail to be wired up at publish time — the dev site currently responds with the 402 + X-402-* headers and this manifest, but collection is not yet live.",
    "contact": "See sydneydreamhomes.com.au"
  }
}