{"assessment_id":"ra_b42f2523af421716c3f5","schema":"swapeazi.route_assessment.v1","rules_version":"ra-1 (29 Oct 2026)","input":{"from":"EUR","to":"KES","amount":null,"priced_at_amount":8900,"amount_assumed":true,"as_of":"2026-11-03T03:58:13.211Z"},"corridor":"EUR-KES","corridor_status":"priced_only","regional_routes":[],"reference":{"evidence_type":"reference","rate":144.56685684307166,"pair":"EUR/KES","date":"2026-10-28","freshness":"stale","age_business_days":4,"sources":["Narodowy Bank Polski","Narodowy Bank Polski (table B, weekly)"],"agreement_bps":null,"limitation":"A benchmark, not a price anyone deals at."},"order":{"sort":null,"set_by":"none","note":"Routes are listed in the order the sources answered. SwapEazi does not rank routes."},"routing_preferences":null,"options":[{"option_id":"opt_1","route":"Route A · FX specialist","rail":"specialist","evidence_type":"indicative","cost":{"all_in_bps_vs_reference":47,"complete":true,"landed":{"value":1280553,"currency":"KES"},"sends":{"value":8900,"currency":"EUR"}},"fx":{"effective_rate":143.88236,"reference_rate":144.566857},"settlement":{"business_days":[1,1],"basis":"Tue 3 Nov 03:58 UTC is a banking day: moves today if released before the provider's cut-off (not on record), otherwise starts moving Wed 4 Nov","evidence":"inference"},"licence":null,"source":{"note":"public quote for this exact amount, read 2026-11-03 03:58 UTC, no account needed; BANK_TRANSFER in, BANK_TRANSFER out, stated delivery 1 business day; indicative until an account locks it","read_at":"2026-11-03T03:58:00.000Z","freshness":"fresh","age_hours":0},"rate_receipt":{"figure":"47 bps against the official rate","kind":"a public quote for this amount, not locked","source":"public quote for this exact amount, read 2026-11-03 03:58 UTC, no account needed; BANK_TRANSFER in, BANK_TRANSFER out, stated delivery 1 business day; indicative until an account locks it","read_at":"2026-11-03T03:58:00.000Z","freshness":"fresh","against":"EUR/KES official rate of 2026-10-28","source_type":"provider_public"},"route_status":{"status":"priced_only","last_priced_at":"2026-11-03T03:58:00.000Z","last_landed_at":null,"landed_count":0,"reason":null},"limitations":["Indicative: the price can change until the provider or bank locks it for the payer.","A public, consumer-facing price (no account needed or a price-comparison feed): context for a business payment, not a B2B quote; a business account may be priced differently."],"days_to_land":{"median_hours":null,"p90_hours":null,"n":0,"from":null,"to":null,"reason":"insufficient history (n=0)"},"rail_type":"payment_providers","health":{"basis":"rail_type","type":null,"last_good_read_at":null,"d7":{"window_days":7,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; no scheduled read history is kept."},"d30":{"window_days":30,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; no scheduled read history is kept."},"open_incident":null,"excluded":null,"source":"Provider prices come from requests and published fees; no scheduled read history is kept."}},{"option_id":"opt_2","route":"Route B · FX specialist","rail":"specialist","evidence_type":"published","cost":{"all_in_bps_vs_reference":74,"complete":true,"landed":{"value":1277123.85,"currency":"KES"},"sends":{"value":8900,"currency":"EUR"}},"fx":{"effective_rate":143.497062,"reference_rate":144.566857},"settlement":{"business_days":[0,2],"basis":"Tue 3 Nov 03:58 UTC is a banking day: moves today if released before the provider's cut-off (not on record), otherwise starts moving Wed 4 Nov","evidence":"inference"},"licence":null,"source":{"note":"the provider's published price","read_at":"2026-11-03T03:58:13.516Z","freshness":"fresh","age_hours":0},"rate_receipt":{"figure":"74 bps against the official rate","kind":"the provider's own published rate or fee","source":"the provider's published price","read_at":"2026-11-03T03:58:13.516Z","freshness":"fresh","against":"EUR/KES official rate of 2026-10-28","source_type":null},"route_status":{"status":"priced_only","last_priced_at":"2026-11-03T03:58:13.516Z","last_landed_at":null,"landed_count":0,"reason":null},"limitations":["A published price or rate sheet; what a payer is dealt can differ (negotiated terms, the day's rate).","read_at is when SwapEazi read the source; the price itself states no time.","A public, consumer-facing price (no account needed or a price-comparison feed): context for a business payment, not a B2B quote; a business account may be priced differently."],"days_to_land":{"median_hours":null,"p90_hours":null,"n":0,"from":null,"to":null,"reason":"insufficient history (n=0)"},"rail_type":"payment_providers","health":{"basis":"rail_type","type":null,"last_good_read_at":null,"d7":{"window_days":7,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; no scheduled read history is kept."},"d30":{"window_days":30,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; no scheduled read history is kept."},"open_incident":null,"excluded":null,"source":"Provider prices come from requests and published fees; no scheduled read history is kept."}},{"option_id":"opt_3","route":"Route C · FX specialist","rail":"specialist","evidence_type":"published","cost":{"all_in_bps_vs_reference":80,"complete":true,"landed":{"value":1276351.87,"currency":"KES"},"sends":{"value":8900,"currency":"EUR"}},"fx":{"effective_rate":143.410322,"reference_rate":144.566857},"settlement":{"business_days":[0,2],"basis":"Tue 3 Nov 03:58 UTC is a banking day: moves today if released before the provider's cut-off (not on record), otherwise starts moving Wed 4 Nov","evidence":"inference"},"licence":null,"source":{"note":"the provider's published price","read_at":"2026-11-03T03:58:13.516Z","freshness":"fresh","age_hours":0},"rate_receipt":{"figure":"80 bps against the official rate","kind":"the provider's own published rate or fee","source":"the provider's published price","read_at":"2026-11-03T03:58:13.516Z","freshness":"fresh","against":"EUR/KES official rate of 2026-10-28","source_type":null},"route_status":{"status":"priced_only","last_priced_at":"2026-11-03T03:58:13.516Z","last_landed_at":null,"landed_count":0,"reason":null},"limitations":["A published price or rate sheet; what a payer is dealt can differ (negotiated terms, the day's rate).","read_at is when SwapEazi read the source; the price itself states no time.","A public, consumer-facing price (no account needed or a price-comparison feed): context for a business payment, not a B2B quote; a business account may be priced differently."],"days_to_land":{"median_hours":null,"p90_hours":null,"n":0,"from":null,"to":null,"reason":"insufficient history (n=0)"},"rail_type":"payment_providers","health":{"basis":"rail_type","type":null,"last_good_read_at":null,"d7":{"window_days":7,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; no scheduled read history is kept."},"d30":{"window_days":30,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; no scheduled read history is kept."},"open_incident":null,"excluded":null,"source":"Provider prices come from requests and published fees; no scheduled read history is kept."}},{"option_id":"opt_4","route":"Route D · bank wire","rail":"bank","evidence_type":"published","cost":{"all_in_bps_vs_reference":191,"complete":true,"landed":{"value":1262070.11,"currency":"KES"},"sends":{"value":8900,"currency":"EUR"}},"fx":{"effective_rate":141.80563,"reference_rate":144.566857},"settlement":{"business_days":[1,5],"basis":"Tue 3 Nov 03:58 UTC is a banking day: moves today if released before the provider's cut-off (not on record), otherwise starts moving Wed 4 Nov","evidence":"inference"},"licence":"licence on record","source":{"note":"the provider's published price","read_at":"2026-11-03T03:58:13.516Z","freshness":"fresh","age_hours":0},"rate_receipt":{"figure":"191 bps against the official rate","kind":"the provider's own published rate or fee","source":"the provider's published price","read_at":"2026-11-03T03:58:13.516Z","freshness":"fresh","against":"EUR/KES official rate of 2026-10-28","source_type":null},"route_status":{"status":"priced_only","last_priced_at":"2026-11-03T03:58:13.516Z","last_landed_at":null,"landed_count":0,"reason":null},"limitations":["A published price or rate sheet; what a payer is dealt can differ (negotiated terms, the day's rate).","read_at is when SwapEazi read the source; the price itself states no time.","A public, consumer-facing price (no account needed or a price-comparison feed): context for a business payment, not a B2B quote; a business account may be priced differently."],"days_to_land":{"median_hours":null,"p90_hours":null,"n":0,"from":null,"to":null,"reason":"insufficient history (n=0)"},"rail_type":"banks","health":{"basis":"rail_type","type":null,"last_good_read_at":null,"d7":{"window_days":7,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Bank rate sheets are read, but no per-read history is kept yet, so no answer rate."},"d30":{"window_days":30,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Bank rate sheets are read, but no per-read history is kept yet, so no answer rate."},"open_incident":null,"excluded":null,"source":"Bank rate sheets are read, but no per-read history is kept yet, so no answer rate."}},{"option_id":"opt_5","route":"Route E · bank wire","rail":"bank","evidence_type":"published","cost":{"all_in_bps_vs_reference":207,"complete":true,"landed":{"value":1260011.47,"currency":"KES"},"sends":{"value":8900,"currency":"EUR"}},"fx":{"effective_rate":141.574322,"reference_rate":144.566857},"settlement":{"business_days":[1,5],"basis":"Tue 3 Nov 03:58 UTC is a banking day: moves today if released before the provider's cut-off (not on record), otherwise starts moving Wed 4 Nov","evidence":"inference"},"licence":null,"source":{"note":"the provider's published price","read_at":"2026-11-03T03:58:13.516Z","freshness":"fresh","age_hours":0},"rate_receipt":{"figure":"207 bps against the official rate","kind":"the provider's own published rate or fee","source":"the provider's published price","read_at":"2026-11-03T03:58:13.516Z","freshness":"fresh","against":"EUR/KES official rate of 2026-10-28","source_type":null},"route_status":{"status":"priced_only","last_priced_at":"2026-11-03T03:58:13.516Z","last_landed_at":null,"landed_count":0,"reason":null},"limitations":["A published price or rate sheet; what a payer is dealt can differ (negotiated terms, the day's rate).","read_at is when SwapEazi read the source; the price itself states no time.","A public, consumer-facing price (no account needed or a price-comparison feed): context for a business payment, not a B2B quote; a business account may be priced differently."],"days_to_land":{"median_hours":null,"p90_hours":null,"n":0,"from":null,"to":null,"reason":"insufficient history (n=0)"},"rail_type":"banks","health":{"basis":"rail_type","type":null,"last_good_read_at":null,"d7":{"window_days":7,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Bank rate sheets are read, but no per-read history is kept yet, so no answer rate."},"d30":{"window_days":30,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Bank rate sheets are read, but no per-read history is kept yet, so no answer rate."},"open_incident":null,"excluded":null,"source":"Bank rate sheets are read, but no per-read history is kept yet, so no answer rate."}},{"option_id":"opt_6","route":"Route F · bank wire","rail":"bank","evidence_type":"published","cost":{"all_in_bps_vs_reference":230,"complete":true,"landed":{"value":1257052.19,"currency":"KES"},"sends":{"value":8900,"currency":"EUR"}},"fx":{"effective_rate":141.241819,"reference_rate":144.566857},"settlement":{"business_days":[1,5],"basis":"Tue 3 Nov 03:58 UTC is a banking day: moves today if released before the provider's cut-off (not on record), otherwise starts moving Wed 4 Nov","evidence":"inference"},"licence":"licence on record","source":{"note":"the provider's published price","read_at":"2026-11-03T03:58:13.516Z","freshness":"fresh","age_hours":0},"rate_receipt":{"figure":"230 bps against the official rate","kind":"the provider's own published rate or fee","source":"the provider's published price","read_at":"2026-11-03T03:58:13.516Z","freshness":"fresh","against":"EUR/KES official rate of 2026-10-28","source_type":null},"route_status":{"status":"priced_only","last_priced_at":"2026-11-03T03:58:13.516Z","last_landed_at":null,"landed_count":0,"reason":null},"limitations":["A published price or rate sheet; what a payer is dealt can differ (negotiated terms, the day's rate).","read_at is when SwapEazi read the source; the price itself states no time.","A public, consumer-facing price (no account needed or a price-comparison feed): context for a business payment, not a B2B quote; a business account may be priced differently."],"days_to_land":{"median_hours":null,"p90_hours":null,"n":0,"from":null,"to":null,"reason":"insufficient history (n=0)"},"rail_type":"banks","health":{"basis":"rail_type","type":null,"last_good_read_at":null,"d7":{"window_days":7,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Bank rate sheets are read, but no per-read history is kept yet, so no answer rate."},"d30":{"window_days":30,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Bank rate sheets are read, but no per-read history is kept yet, so no answer rate."},"open_incident":null,"excluded":null,"source":"Bank rate sheets are read, but no per-read history is kept yet, so no answer rate."}}],"routes_without_figures":[{"route":"Route G · FX platform","rail":"fx_platform","settlement_business_days":[0,2],"why":"Known to serve this pair; no measured payment, firm quote or published price for it is on record, so no figure is given.","route_status":{"status":"no_live_route","last_priced_at":null,"last_landed_at":null,"landed_count":0,"reason":"No live price is on record for this route."},"days_to_land":{"median_hours":null,"p90_hours":null,"n":0,"from":null,"to":null,"reason":"insufficient history (n=0)"},"rail_type":"payment_providers","health":{"basis":"rail_type","type":null,"last_good_read_at":null,"d7":{"window_days":7,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; no scheduled read history is kept."},"d30":{"window_days":30,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; no scheduled read history is kept."},"open_incident":null,"excluded":null,"source":"Provider prices come from requests and published fees; no scheduled read history is kept."}},{"route":"Route H · stablecoin rail","rail":"stablecoin","settlement_business_days":[0,1],"why":"Known to serve this pair; no measured payment, firm quote or published price for it is on record, so no figure is given.","route_status":{"status":"no_live_route","last_priced_at":null,"last_landed_at":null,"landed_count":0,"reason":"No live price is on record for this route."},"days_to_land":{"median_hours":null,"p90_hours":null,"n":0,"from":null,"to":null,"reason":"insufficient history (n=0)"},"rail_type":"ramps","health":{"basis":"rail_type","type":null,"last_good_read_at":null,"d7":{"window_days":7,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Ramps are read with a partner key per request; no scheduled read history is kept."},"d30":{"window_days":30,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Ramps are read with a partner key per request; no scheduled read history is kept."},"open_incident":null,"excluded":null,"source":"Ramps are read with a partner key per request; no scheduled read history is kept."}},{"route":"Route I · FX platform","rail":"fx_platform","settlement_business_days":[0,2],"why":"Known to serve this pair; no measured payment, firm quote or published price for it is on record, so no figure is given.","route_status":{"status":"no_live_route","last_priced_at":null,"last_landed_at":null,"landed_count":0,"reason":"No live price is on record for this route."},"days_to_land":{"median_hours":null,"p90_hours":null,"n":0,"from":null,"to":null,"reason":"insufficient history (n=0)"},"rail_type":"payment_providers","health":{"basis":"rail_type","type":null,"last_good_read_at":null,"d7":{"window_days":7,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; no scheduled read history is kept."},"d30":{"window_days":30,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; no scheduled read history is kept."},"open_incident":null,"excluded":null,"source":"Provider prices come from requests and published fees; no scheduled read history is kept."}},{"route":"Route J · stablecoin rail","rail":"stablecoin","settlement_business_days":[0,1],"why":"Known to serve this pair; no measured payment, firm quote or published price for it is on record, so no figure is given.","route_status":{"status":"no_live_route","last_priced_at":null,"last_landed_at":null,"landed_count":0,"reason":"No live price is on record for this route."},"days_to_land":{"median_hours":null,"p90_hours":null,"n":0,"from":null,"to":null,"reason":"insufficient history (n=0)"},"rail_type":"ramps","health":{"basis":"rail_type","type":null,"last_good_read_at":null,"d7":{"window_days":7,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Ramps are read with a partner key per request; no scheduled read history is kept."},"d30":{"window_days":30,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Ramps are read with a partner key per request; no scheduled read history is kept."},"open_incident":null,"excluded":null,"source":"Ramps are read with a partner key per request; no scheduled read history is kept."}},{"route":"Route K · FX platform","rail":"fx_platform","settlement_business_days":[0,2],"why":"Known to serve this pair; no measured payment, firm quote or published price for it is on record, so no figure is given.","route_status":{"status":"no_live_route","last_priced_at":null,"last_landed_at":null,"landed_count":0,"reason":"No live price is on record for this route."},"days_to_land":{"median_hours":null,"p90_hours":null,"n":0,"from":null,"to":null,"reason":"insufficient history (n=0)"},"rail_type":"payment_providers","health":{"basis":"rail_type","type":null,"last_good_read_at":null,"d7":{"window_days":7,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; no scheduled read history is kept."},"d30":{"window_days":30,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; 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no scheduled read history is kept."},"open_incident":null,"excluded":null,"source":"Provider prices come from requests and published fees; no scheduled read history is kept."}},{"route":"Route N · FX platform","rail":"fx_platform","settlement_business_days":[0,2],"why":"Known to serve this pair; no measured payment, firm quote or published price for it is on record, so no figure is given.","route_status":{"status":"no_live_route","last_priced_at":null,"last_landed_at":null,"landed_count":0,"reason":"No live price is on record for this route."},"days_to_land":{"median_hours":null,"p90_hours":null,"n":0,"from":null,"to":null,"reason":"insufficient history (n=0)"},"rail_type":"payment_providers","health":{"basis":"rail_type","type":null,"last_good_read_at":null,"d7":{"window_days":7,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; no scheduled read history is kept."},"d30":{"window_days":30,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): Provider prices come from requests and published fees; 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Affected by an open incident: verified P2P markets left out of depth: a verified exchange confirmed a security incident on 29 Oct 2026 (hot wallets drained across several chains, about USD 6.3 billion per TRM Labs) and suspended withdrawals on multiple networks; its books and P2P adverts are not counted as depth until withdrawals resume.","incidents":[{"id":"a verified exchange-2026-10-29","kind":"withdrawals","venues":["a verified exchange","the P2P market"],"since":"2026-10-29T00:00:00Z","what":"a verified exchange confirmed a security incident on 29 Oct 2026 (hot wallets drained across several chains, about USD 6.3 billion per TRM Labs) and suspended withdrawals on multiple networks; its books and P2P adverts are not counted as depth until withdrawals resume.","source":"","affects":"verified P2P markets left out of depth: a verified exchange confirmed a security incident on 29 Oct 2026 (hot wallets drained across several chains, about USD 6.3 billion per TRM Labs) and suspended withdrawals on multiple networks; its books and P2P adverts are not counted as depth until withdrawals resume."}],"health":{"corridor":{"basis":"corridor","type":null,"last_good_read_at":null,"d7":{"window_days":7,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): EUR-KES is not on the hourly wholesale panel"},"d30":{"window_days":30,"reads_scheduled":0,"reads_answered":0,"answer_rate_pct":null,"collector_missed_hours":0,"display":"not enough reads (0 of 12 needed): EUR-KES is not on the hourly wholesale panel"},"open_incident":null,"excluded":null,"source":"EUR-KES is not on the hourly wholesale panel"},"rail_types":[{"type":"exchange_books","answer_rate_pct_7d":90.5,"reads_7d":2206,"display":"90.5% of 2206 scheduled reads across 22 venues in 7 days answered","last_good_read_at":"2026-11-03T03:07:06.538Z","excluded":2},{"type":"stablecoin_pools","answer_rate_pct_7d":0,"reads_7d":432,"display":"0% of 432 scheduled reads across 9 venues in 7 days answered","last_good_read_at":null,"excluded":0},{"type":"onchain_dollars","answer_rate_pct_7d":50,"reads_7d":1129,"display":"50% of 1129 scheduled reads across 12 venues in 7 days answered","last_good_read_at":"2026-11-03T03:25:14.636Z","excluded":0},{"type":"p2p","answer_rate_pct_7d":87.2,"reads_7d":282,"display":"87.2% of 282 scheduled reads across 3 venues in 7 days answered","last_good_read_at":"2026-11-03T03:07:06.538Z","excluded":1},{"type":"ramps","answer_rate_pct_7d":null,"reads_7d":0,"display":"not enough reads (0 of 12 needed): Ramps are read with a partner key per request; no scheduled read history is kept.","last_good_read_at":null,"excluded":0},{"type":"otc_desks","answer_rate_pct_7d":null,"reads_7d":0,"display":"not enough reads (0 of 12 needed): Desk quotes are published by the desks when they choose; there is no schedule to measure against.","last_good_read_at":null,"excluded":0},{"type":"banks","answer_rate_pct_7d":null,"reads_7d":0,"display":"not enough reads (0 of 12 needed): Bank rate sheets are read, but no per-read history is kept yet, so no answer rate.","last_good_read_at":null,"excluded":0}]}},"requirements":[{"id":"eu-transfer-of-funds-regulation","applies_to":"stablecoin","answer":"depends","title":"Transfer of Funds Regulation (EU) 2023/1113 (travel rule)","why":"Applies when a crypto-asset service provider in the EU carries the transfer.","status":"in_force","source":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32023R1113","checked_on":"2026-10-18","read":"document"},{"id":"eu-mica-casp-transition-end","applies_to":"stablecoin","answer":"depends","title":"MiCA (EU) 2023/1114: end of the transition for crypto-asset service providers","why":"Applies when the stablecoin provider serves EU clients.","status":"in_force","source":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32023R1114","checked_on":"2026-10-18","read":"document"},{"id":"eu-tfr-payee","applies_to":"payment","answer":"applies","title":"The payee's full name and account number (or wallet address), exactly as the payee's provider holds them.","why":"The payer's provider must send the payer's and payee's details with every transfer of funds or crypto-assets (Regulation (EU) 2023/1113, Article 4).","source":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32023R1113","checked_on":"2026-10-18","read":"document"}],"findings":[{"id":"f_routes","statement":"31 routes known for EUR to KES: 6 with a figure, 25 without one.","evidence":["ev_opt_1","ev_opt_2","ev_opt_3","ev_opt_4","ev_opt_5","ev_opt_6"],"basis":"count"},{"id":"f_cost_range","statement":"Against the official rate, complete costs on record run from 47 bps (opt_1, indicative) to 230 bps (opt_6, published).","evidence":["ev_reference","ev_opt_1","ev_opt_6"],"basis":"indicative"},{"id":"f_no_executable","statement":"No executable quote is on record for this pair and size: every figure here is published, indicative or observed, and must be confirmed by the provider or bank before paying.","evidence":[],"basis":"absence"},{"id":"f_requirements","statement":"3 requirements on record for this payment (each with its source).","evidence":[],"basis":"published"}],"evidence":{"ev_reference":{"type":"reference","what":"EUR/KES 144.56685684307166 on 2026-10-28 (Narodowy Bank Polski, Narodowy Bank Polski (table B, weekly))","at":"2026-10-28T00:00:00.000Z"},"ev_opt_1":{"type":"indicative","what":"Route A · FX specialist: public quote for this exact amount, read 2026-11-03 03:58 UTC, no account needed; BANK_TRANSFER in, BANK_TRANSFER out, stated delivery 1 business day; indicative until an account locks it","at":"2026-11-03T03:58:00.000Z"},"ev_opt_2":{"type":"published","what":"Route B · FX specialist: the provider's published price","at":"2026-11-03T03:58:13.516Z"},"ev_opt_3":{"type":"published","what":"Route C · FX specialist: the provider's published price","at":"2026-11-03T03:58:13.516Z"},"ev_opt_4":{"type":"published","what":"Route D · bank wire: the provider's published price","at":"2026-11-03T03:58:13.516Z"},"ev_opt_5":{"type":"published","what":"Route E · bank wire: the provider's published price","at":"2026-11-03T03:58:13.516Z"},"ev_opt_6":{"type":"published","what":"Route F · bank wire: the provider's published price","at":"2026-11-03T03:58:13.516Z"}},"changes":{"previous_assessment_id":"ra_72b41b1b07b0d58446c8","previous_as_of":"2026-11-01T06:06:44.835Z","items":[{"what":"Lowest complete cost on the specialist rail: 73 to 47 bps.","field":"rails.specialist.min_cost_bps","from":73,"to":47,"material":true},{"what":"Lowest complete cost on the bank rail: 187 to 191 bps.","field":"rails.bank.min_cost_bps","from":187,"to":191,"material":false},{"what":"Data quality: stale 0 to 1, contradictions 0 to 0, indicative only false to false.","field":"data_quality","from":{"stale":0,"contradictions":0,"indicative_only":false},"to":{"stale":1,"contradictions":0,"indicative_only":false},"material":true}],"note":"2 material of 3 changes since 2026-11-01T06:06:44.835Z."},"data_quality":{"stale":["The official rate is from 2026-10-28, 4 business days before the assessment."],"contradictions":[],"missing":[],"indicative_only":false,"evidence_types":["indicative","published"]},"unknowns":["Requirements beyond those on record here: SwapEazi lists the rules it tracks for this corridor, not every rule that may apply (receiving-country rules especially).","The payer's own negotiated terms with its bank or provider.","Receiving and correspondent bank charges, unless a route states them.","An executable price for this payment."],"sources":[{"source":"a provider's public quote","kind":"public_quote","status":"priced","reason":"quoted EUR 8,900 at 143.882 all-in","rows":1,"read_at":"2026-11-03T03:58:13.211Z","freshness":"fresh","age_hours":0},{"source":"public comparison feed at 8,900 EUR","kind":"comparison_feed","status":"priced","reason":"9 providers listed, 6 kept, 3 consumer-only, dropped","rows":6,"read_at":"2026-11-03T03:58:13.516Z","freshness":"fresh","age_hours":0},{"source":"collected comparison prices","kind":"collected_feed","status":"empty","reason":"not needed: the live feed answered","rows":0,"read_at":"2026-11-03T03:58:13.211Z","freshness":"fresh","age_hours":0},{"source":"quotes sent by providers","kind":"provider_quote","status":"empty","reason":"no provider has sent a live quote for this pair","rows":0,"read_at":"2026-11-03T03:58:13.211Z","freshness":"fresh","age_hours":0},{"source":"a verified exchange FX books (EUR to USDC)","kind":"order_book","status":"priced","reason":"EUR 8,900 on 3 books (USDT-EUR 73.6 bps, a local stablecoin-USDC 86.4 bps, USDC-EUR 86.5 bps) against the official USD/EUR rate of 2026-11-02, all in: half-spread, fee, slippage; read 2026-11-03 03:07 UTC","rows":3,"read_at":"2026-11-03T03:07:06.538Z","freshness":"fresh","age_hours":0.9},{"source":"measured payments","kind":"measured_payments","status":"empty","reason":"no payment on this pair has been recorded as landed yet","rows":0,"read_at":"2026-11-03T03:58:13.211Z","freshness":"fresh","age_hours":0}],"limitations":["SwapEazi does not hold or move money; the payer's bank, provider or wallet executes. No route is ranked as advice.","Figures are read at the time shown and can change; only the provider's or bank's confirmation shows what a payment costs.","Route names are masked on the free lookup; a pilot key shows them.","Assumed amount: No amount was given, so the corridor is assessed at EUR 8,900 (about USD 10,000)."],"record":{"content_sha256":"sha256:b42f2523af421716c3f5eb43f6e8ba429793f63d17e6d0fae12063dc58592ea8","signed":false,"note":"A content hash of every field above (canonical JSON): recompute it to verify the record is unchanged. It is not a signature.","retrieve":"GET /api/v1/route-assessments/ra_b42f2523af421716c3f5","stored":true},"snapshot":{"assessment_id":"ra_b42f2523af421716c3f5","as_of":"2026-11-03T03:58:13.211Z","reference_rate":144.56685684307166,"reference_date":"2026-10-28","rails":{"specialist":{"priced":3,"min_cost_bps":47,"evidence":["indicative","published"]},"bank":{"priced":3,"min_cost_bps":191,"evidence":["published"]}},"unpriced_routes":25,"requirements":["eu-mica-casp-transition-end","eu-tfr-payee","eu-transfer-of-funds-regulation"],"sources":{"a provider's public quote":"priced","public comparison feed at 8,900 EUR":"priced","collected comparison prices":"empty","quotes sent by providers":"empty","a verified exchange FX books (EUR to USDC)":"priced","measured payments":"empty"},"quality":{"stale":1,"contradictions":0,"indicative_only":false}}}