{"ok":true,"benchmark":{"usd_mwk":1742.994816,"usd_cny":6.715255,"as_of":"2026-10-09","freshness":"LIVE","fetched_at":"2026-10-09T17:39:23.780Z","source_type":"REFERENCE","sources":[{"pair":"USD/MWK","name":"ExchangeRate-API reference feed","url":"https://open.er-api.com/v6/latest/USD","status":"LIVE"},{"pair":"USD/CNY","name":"ExchangeRate-API reference feed","url":"https://open.er-api.com/v6/latest/USD","status":"LIVE"}]},"independent_check":{"status":"consistent","pair":"USD/CNY","primary_rate":6.715255,"independent_rate":6.692129216491165,"deviation_pct":0.3444,"primary_as_of":"2026-10-09","independent_as_of":"2026-10-09","checked_at":"2026-10-09T17:39:24.899Z","source":"European Central Bank – euro foreign exchange reference rates","source_url":"https://www.ecb.europa.eu/stats/eurofxref/eurofxref-daily.xml","quote_executable":false,"explanation":"Independent official ECB reference versus third-party USD/CNY market benchmark. Not a bank quote."},"bank_indicative":{"status":"observed","bank":"CDH Investment Bank","observed_date":"2026-10-09","base_currency":"MWK","pairs":[{"quote_currency":"USD","tt_buy_mwk":1716.6667,"tt_sell_mwk":1751},{"quote_currency":"CNY","tt_buy_mwk":257.0424,"tt_sell_mwk":261.4877}],"source_url":"https://cdh-malawi.com/rates/","quote_type":"published_indicative_TT","executable_quote":false,"eligibility_confirmed":false,"note":"CDH bank-published indicative TT buy/sell rates; not a firm quote for a customer or an end-to-end supplier payment."},"nbs_official_pdf":{"status":"observed","bank":"NBS Bank plc","observed_date":"2026-10-08","quote_currency":"USD","base_currency":"MWK","tt_buy_mwk":1719,"tt_sell_mwk":1751,"source_url":"https://nbs.mw/download/8-oct-2026/","document_sha256":"7dafd6e16067d12efd7686c3227ddca152fcb21102255a77ff745f3b1d62ff9f","extraction_method":"pdf_text_pdftotext_layout_strict","quote_type":"published_indicative_TT","executable_quote":false,"eligibility_confirmed":false,"note":"Official NBS PDF verified by filename/date, TT header and original-file hash. Indicative bank TT rate, not a guaranteed execution quote."},"nbs_document_monitor":{"status":"verified","last_check_result":"verified","checked_at":"2026-10-09T17:39:15.017Z","observed_date":"2026-10-08","article_url":"https://nbs.mw/download/8-oct-2026/","document_sha256":"7dafd6e16067d12efd7686c3227ddca152fcb21102255a77ff745f3b1d62ff9f","quote_executable":false,"note":"Original PDF matches a previously validated NBS TT-rate record."},"nbs_cdh_comparison":{"status":"different_publication_dates","quote_executable":false,"bank_a":"NBS Bank plc","bank_b":"CDH Investment Bank","bank_a_date":"2026-10-08","bank_b_date":"2026-10-09","bank_a_usd_tt_sell_mwk":1751,"bank_b_usd_tt_sell_mwk":1751,"deviation_pct":0,"independent_source_verified":false,"note":"Different source dates cannot support same-time independent price confirmation."},"source_review":{"review_required":0,"last_checked_at":null}}