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This is the credit-gap / financial-stability macro cut — distinct from the euro-area credit-growth (lending volumes), the bank-rate, money-supply, central-bank policy-rate and FX APIs in the catalogue. It measures the build-up of financial-stability risk, not the level of rates. A country is a BIS reference area (US, GB, DE, JP …) given as an ISO-2 code or a common name; data is quarterly with the usual statistical lag.","contact":{"name":"PremiumApi","url":"https://www.oanor.com/by/premiumapi"}},"servers":[{"url":"https://api.oanor.com/creditgap-api","description":"oanor gateway"}],"tags":[{"name":"Credit Gap"},{"name":"Meta"}],"components":{"securitySchemes":{"oanorKey":{"type":"apiKey","in":"header","name":"x-oanor-key","description":"Get your key at https://www.oanor.com/developer/keys"}}},"security":[{"oanorKey":[]}],"paths":{"/v1/country":{"get":{"operationId":"get_v1_country","tags":["Credit Gap"],"summary":"One country's gap, ratio, trend & risk","description":"","parameters":[{"name":"country","in":"query","required":true,"description":"ISO-2 code or common name","schema":{"type":"string"},"example":"US"}],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"note":"credit_to_gdp_gap = ratio minus trend (percentage points), the Basel early-warning indicator. 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(deleveraging)","period":"2025-Q3","country":"IN","credit_to_gdp_ratio":97.4},{"gap":-3.7,"risk":"below trend (deleveraging)","period":"2025-Q3","country":"MY","credit_to_gdp_ratio":158.4},{"gap":-5,"risk":"below trend (deleveraging)","period":"2025-Q3","country":"ZA","credit_to_gdp_ratio":67.1},{"gap":-6.3,"risk":"below trend (deleveraging)","period":"2025-Q3","country":"CZ","credit_to_gdp_ratio":82.8},{"gap":-6.4,"risk":"below trend (deleveraging)","period":"2025-Q3","country":"KR","credit_to_gdp_ratio":200.2},{"gap":-6.4,"risk":"below trend (deleveraging)","period":"2025-Q3","country":"CN","credit_to_gdp_ratio":201.4},{"gap":-6.7,"risk":"below trend (deleveraging)","period":"2025-Q3","country":"TH","credit_to_gdp_ratio":166},{"gap":-7.7,"risk":"below trend (deleveraging)","period":"2025-Q3","country":"NZ","credit_to_gdp_ratio":161.9},{"gap":-8.9,"risk":"below trend (deleveraging)","period":"2025-Q3","country":"RU","credit_to_gdp_ratio":103.2},{"gap":-9.6,"risk":"below trend 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Series cover the private non-financial sector. history quarters is 2-240 (default 40). Quarterly data with the usual statistical lag; briefly cached to protect the shared upstream.","source":"BIS Data Portal (stats.bis.org/api/v2, WS_CREDIT_GAP, quarterly, live)","service":"creditgap-api","countries":44,"endpoints":{"GET /v1/meta":"This document.","GET /v1/latest":"Every country's latest credit-to-GDP gap, ratio and risk band, sortable (sort=gap|ratio|country).","GET /v1/country":"One country's gap, credit-to-GDP ratio, trend and risk (country=US).","GET /v1/history":"One country's quarterly credit-to-GDP gap series (country=US, quarters=40)."},"description":"Credit-to-GDP gap — the Basel early-warning indicator for banking crises, from the BIS open statistics (no key, nothing stored). The gap is the credit-to-GDP ratio minus its long-run trend; a gap above ~10 points has historically preceded credit busts. latest returns every country's most recent gap with its credit-to-GDP ratio and a risk band; country returns one country's gap, ratio, trend and risk; history returns the quarterly gap series. The credit-gap / financial-stability macro cut — distinct from the euro-area credit-growth (lending volumes), bank-rate, money-supply and FX APIs.","upstream_status":"ok"},"meta":{"timestamp":"2026-06-12T10:35:41.614Z","request_id":"6309b161-26f9-488e-b4ca-c022ba0b795a"},"status":"ok","message":"Meta","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}}},"x-oanor-pricing":[{"slug":"free","name":"Free","price_cents_month":0,"monthly_call_quota":700,"rps_limit":2,"hard_limit":true},{"slug":"starter","name":"Starter","price_cents_month":866,"monthly_call_quota":17500,"rps_limit":6,"hard_limit":true},{"slug":"pro","name":"Pro","price_cents_month":2688,"monthly_call_quota":88000,"rps_limit":16,"hard_limit":true},{"slug":"business","name":"Business","price_cents_month":6360,"monthly_call_quota":450000,"rps_limit":40,"hard_limit":true}],"x-oanor-marketplace-url":"https://www.oanor.com/api/creditgap-api"}