{"as_of":"2026-07-27","note":"Settlement cycles we hold with a primary-source citation. Each is resolved by TRADE date. Cycles are listed per market and instrument class; a government bond never inherits an equity cycle, and neither does a corporate bond. Where a market's cycle is not listed, we refuse to apply a named convention — but you can still supply business_days and have us compute the arithmetic, attributed to you.","calendar_basis":"Dates are computed on national statutory public-holiday calendars and researched statutory weekend rules, not on CSD or trading-venue calendars. See the caveats on any answer.","conventions":[{"market":"ch","instrument_classes":["cash_equity","etf","corporate_bond","government_bond"],"business_days":2,"in_force_from":"2025-09-12","in_force_to":null,"authority":"market_convention","compelled_by_instrument":false,"statement":"Transferable securities executed on Swiss trading venues and settled at SIX SIS settle T+2.","scope":"Swiss market convention, NOT statute: SIX states that a change in the Swiss market's settlement cycle 'is not driven by or dependent on Swiss legislation', which is why this row is not marked mandatory. The 12 September 2025 start date is our own conservative boundary — the source we cite establishes that T+2 is the CURRENT cycle without stating when it began, and we do not assert a history we cannot cite. Scope follows the citation's own framing, which is venue-and-CSD based rather than instrument-class based (it covers Liechtenstein alongside Switzerland). FORWARD-LOOKING: the Swiss Securities Post-Trade Council (swissSPTC) recommended on 12 September 2025 that Switzerland and Liechtenstein move to T+1 on 11 October 2027 in coordination with the EU and UK, and SIX will implement it through its rulebook. Because that is a market-body recommendation expressly described as living guidance to be revisited, and no legal instrument exists or is required, no dated successor row is served: Swiss trade dates from 11 October 2027 will continue to resolve to T+2 here until the change is actually in force and verified.","citations":[{"name":"SIX media release, 12 September 2025, referring to 'the current T+2 settlement cycle' for 'all transferable securities executed on Swiss trading venues and settled within the Swiss central securities depository (CSD), SIX SIS'","url":"https://www.six-group.com/en/newsroom/media-releases/2025/20250912-settlement-cycle-six-swissstpc.html"},{"name":"SIX — T+1 programme page for the Swiss and Liechtenstein markets","url":"https://www.six-group.com/en/products-services/securities-services/site/lp/tplusone.html"}]},{"market":"hk","instrument_classes":["cash_equity","etf","corporate_bond"],"business_days":2,"in_force_from":"1992-01-01","in_force_to":null,"authority":"sro_rule","compelled_by_instrument":false,"statement":"Hong Kong cash-market exchange trades and clearing agency transactions settle T+2 through HKSCC's CCASS.","scope":"CCASS rules of HKEX/HKSCC under SFC oversight, not a statutory cycle, so not marked mandatory. HKEX states the origin only as a YEAR ('since 1992'); the 1 January 1992 start date is our normalisation of that year-precision statement, not a date HKEX gives. Note also that HKEX dates full same-day money finality on T+2 to its July 2011 T+2 Finality Arrangement, so trade dates before then settled securities on T+2 with the money leg completing later. China Connect Northbound trades follow the Mainland cycle (securities on T, money on T+1) and are NOT answered from this row. FORWARD-LOOKING: HKEX proposed in April 2026 to shorten the cash market to T+1 and stated an intention to transition in the fourth quarter of 2027 'subject to market readiness and regulatory approval'; that is a consultation intention with no confirmed date or rule change, so no successor row is served.","citations":[{"name":"HKEX — securities clearing overview: 'Both Exchange Trades and Clearing Agency Transactions are cleared and settled on two days after the trade day (i.e. on a T+2 basis).'","url":"https://www.hkex.com.hk/Services/Clearing/Securities/Overview/Clearing-Services?sc_lang=en"},{"name":"HKEX — 'Accelerated Settlement for the Hong Kong Cash Market', Discussion Paper, July 2025, para. 21: 'Since 1992, the settlement process for the Cash Market in Hong Kong has been managed by the HKSCC through CCASS, and it has been operating on a T+2 cycle'","url":"https://www.hkex.com.hk/News/Market-Communications/2025/250716news?sc_lang=en"}]},{"market":"ca","instrument_classes":["cash_equity","etf","corporate_bond"],"business_days":1,"in_force_from":"2024-05-27","in_force_to":null,"authority":"regulation","compelled_by_instrument":false,"statement":"Canadian equity and long-term debt market trades settle T+1, from 27 May 2024 — one day ahead of the United States because of the US Memorial Day holiday.","scope":"NOT marked mandatory on purpose. The cited CSA instrument regulates institutional trade matching (and sets the matching deadline at 03:59 ET on T+1); the notice states that its amendments REFLECT the market’s move to a T+1 standard cycle rather than themselves compelling that cycle, which is carried by CDS/CIRO settlement practice. The stated scope is equity and long-term debt: money-market and short-term debt instruments are outside it and are not answered from this row.","citations":[{"name":"CSA Notice of Amendments to National Instrument 24-101 (14 December 2023): ‘The move to a T+1 settlement cycle in Canada will occur on May 27, 2024, the same day the Amendments come into force.’","url":"https://www.bcsc.bc.ca/-/media/PWS/New-Resources/Securities-Law/Instruments-and-Policies/Policy-2/24101-CSA-Notice-December-14-2023.pdf"},{"name":"CSA — announcement of adoption of the NI 24-101 amendments","url":"https://www.securities-administrators.ca/news/csa-announces-adoption-of-amendments-to-national-instrument-24-101-institutional-trade-matching-and-settlement/"}]},{"market":"mx","instrument_classes":["cash_equity","etf"],"business_days":1,"in_force_from":"2024-05-27","in_force_to":null,"authority":"sro_rule","compelled_by_instrument":false,"statement":"Listed equities on the Bolsa Mexicana de Valores settle T+1, from Monday 27 May 2024, aligning Mexico with the North American move to T+1.","scope":"The cycle is stated by the exchange group itself — Grupo BMV acting through its central counterparty CCV together with the AMIB — so this is market-infrastructure rule, not statute: no CNBV or Banxico instrument was located that compels it, which is why the row is not marked mandatory. It covers the capital (equities) market only; Mexican government debt (cetes, bonos) settles under separate Banxico/Indeval conventions that are not verified here, so no government_bond answer is served for Mexico.","citations":[{"name":"Grupo BMV press bulletin, 27 May 2024: ‘… al reducir el ciclo de liquidación de los valores a T+1. El cambio está programado para entrar en vigor este lunes 27 de mayo de 2024’","url":"https://www.bmv.com.mx/docs-pub/SALA_PRENSA/CTEN_BOLE/Grupo%20BMV%20implementa%20ciclo%20de%20liquidaci%C3%B3n%20T+1%2027.05.24.pdf"},{"name":"Grupo BMV — operative compliance document for T+1 (v1.92)","url":"https://www.bmv.com.mx/docs-pub/MARCO_NORMATIVO/CTEN_MERMO/20240527_V1.92%20Cumplimiento_Operaciones_T+1_.pdf"}]},{"market":"br","instrument_classes":["cash_equity","etf"],"business_days":2,"in_force_from":"2019-05-27","in_force_to":null,"authority":"sro_rule","compelled_by_instrument":false,"statement":"Brazilian cash-market equities settle T+2 (D+2) on B3, from 27 May 2019.","scope":"B3 clearing-rulebook cycle under CVM oversight, not a statutory mandate, hence not marked mandatory. It covers the cash equity market (mercado a vista de renda variável); Brazilian government bonds settle via Selic and corporate debt through B3’s balcão segment on conventions not verified here, so neither is answered from this row. FORWARD-LOOKING: B3 has ANNOUNCED a project to shorten equities to D+1 with a planned February 2028 start — that is an announced project, not an adopted rule, so no successor row is served and a 2028 trade date will be answered on this T+2 row until the change is actually made.","citations":[{"name":"B3 notice, 27 May 2019: ‘A partir de hoje, a B3 opera com seu prazo de liquidação do mercado a vista de renda variável em D+2.’","url":"https://www.b3.com.br/pt_br/noticias/liquidacao.htm"},{"name":"B3 — Manual de Procedimentos Operacionais da Câmara B3 (clearing rulebook, supporting)","url":"https://www.b3.com.br/pt_br/regulacao/estrutura-normativa/regulamentos-e-manuais/compensacao-liquidacao-e-gerenciamento-de-riscos.htm"}]},{"market":"us","instrument_classes":["cash_equity","etf","corporate_bond"],"business_days":1,"in_force_from":"2024-05-28","in_force_to":null,"authority":"regulation","compelled_by_instrument":true,"statement":"US regular-way settlement is T+1: no later than the first business day after the date of the contract.","scope":"Rule 15c6-1(a) is a DEFAULT, displaceable 'unless otherwise expressly agreed to by the parties at the time of the transaction', and it expressly excludes exempted securities, government securities, municipal securities, commercial paper, bankers' acceptances and commercial bills.","citations":[{"name":"17 CFR 240.15c6-1(a)","url":"https://www.ecfr.gov/current/title-17/section-240.15c6-1"},{"name":"SEC Rel. 34-96930, 88 FR 13872 (compliance date 28 May 2024)","url":"https://www.sec.gov/files/rules/final/2023/34-96930.pdf"}]},{"market":"gb","instrument_classes":["cash_equity","etf","corporate_bond"],"business_days":2,"in_force_from":"2014-10-06","in_force_to":"2027-10-10","authority":"regulation","compelled_by_instrument":true,"statement":"UK transferable securities executed on a trading venue settle no later than the second business day after trading (T+2).","scope":"Art. 5(2) sets a MAXIMUM for venue-executed transactions, not a required cycle, and UK corporate bonds trade predominantly OTC, outside it. The UK is due to move to T+1 for trade dates from 11 October 2027, but the implementing instrument — the draft Central Securities Depositories (Amendment) (Intended Settlement Date) Regulations 2026, published by HM Treasury on 20 November 2025 — had NOT been made as at 30 July 2026: it is subject to the affirmative procedure and so requires approval by both Houses of Parliament before it amends Art. 5(2). legislation.gov.uk still shows T+2 as the operative text. We therefore serve no cycle for UK trade dates from 11 October 2027 and refuse those requests free of charge, rather than answering on a cycle Parliament has not yet enacted — unlike the EU, whose equivalent change is already law and is served. Send business_days with your own offset if you need the arithmetic before the SI is made.","citations":[{"name":"Assimilated UK CSDR (Regulation (EU) No 909/2014) Art. 5(2)","url":"https://www.legislation.gov.uk/eur/2014/909/article/5"},{"name":"FCA — Accelerated Settlement Taskforce final report statement","url":"https://www.fca.org.uk/news/statements/final-report-accelerated-settlement-taskforce-uk-markets-move-t1"}]},{"market":"gb","instrument_classes":["government_bond"],"business_days":1,"in_force_from":"2007-05-18","in_force_to":null,"authority":"market_convention","compelled_by_instrument":false,"statement":"UK gilts settle T+1 in the secondary market by established market convention — not T+2. Gilts already settle next-day, which is why they sit outside the UK T+1 migration.","scope":"Gilt repo and other securities-financing transactions follow negotiated terms and are outside this convention.","citations":[{"name":"UK Debt Management Office — operational notice (T+1 convention in the gilt market)","url":"https://www.dmo.gov.uk/media/0ewlkrij/opnot180507.pdf"},{"name":"Euroclear — UK accelerated settlement (gilts already T+1)","url":"https://www.euroclear.com/campaigns/en/t1/uk-accelerated-settlement.html"}]},{"market":"za","instrument_classes":["cash_equity","etf"],"business_days":3,"in_force_from":"2016-07-11","in_force_to":null,"authority":"sro_rule","compelled_by_instrument":false,"statement":"JSE-listed equities settle T+3 on a rolling contractual basis, settled at Strate.","scope":"Sourced from Strate's and the JSE's own published descriptions of the cycle rather than from the JSE Equities Rules and Directives themselves; the rulebook reference has not yet been captured.","citations":[{"name":"Strate — settlement history: the move to T+3 (11 July 2016)","url":"https://www.strate.co.za/2016/08/12/settlement-history-being-made-with-t3/"},{"name":"JSE — equity market settlement","url":"https://www.jse.co.za/trade/equity-market"}]},{"market":"in","instrument_classes":["cash_equity","etf"],"business_days":1,"in_force_from":"2023-01-27","in_force_to":null,"authority":"sro_rule","compelled_by_instrument":false,"statement":"Indian listed equities settle T+1 under SEBI's T+1 rolling settlement framework.","scope":"The cited circular introduced T+1 on an OPTIONAL, exchange-phased basis from 1 January 2022; the exchanges then migrated scrips in tranches. We serve the cycle only for trade dates from 27 January 2023 — the date after which we hold no report of a scrip still on T+2 — which is a deliberately conservative boundary of ours, not a date the cited circular fixes. An optional T+0 cycle also exists (SEBI beta, from 28 March 2024) but depends on per-scrip eligibility, per-broker enablement and a 13:30 IST session cut-off, which a date-only request cannot carry, so it is never applied here.","citations":[{"name":"SEBI circular SEBI/HO/MRD/DP/CIR/P/2021/628 — T+1 rolling settlement, optional from 1 January 2022","url":"https://www.sebi.gov.in/legal/circulars/sep-2021/introduction-of-t-1-rolling-settlement-on-an-optional-basis_52466.html"}]},{"market":"in","instrument_classes":["government_bond","tbill"],"business_days":1,"in_force_from":"2018-04-01","in_force_to":null,"authority":"market_convention","compelled_by_instrument":false,"statement":"Outright secondary-market transactions in Indian government securities settle T+1.","scope":"Sourced from an RBI explanatory publication describing the prevailing cycle, not from a directive mandating it. Parties may agree a different settlement date.","citations":[{"name":"RBI — Handbook/Primer on Government Securities (settlement of outright secondary-market G-Sec trades)","url":"https://www.rbi.org.in/Scripts/PublicationsView.aspx?id=15421"}]},{"market":"jp","instrument_classes":["cash_equity","etf"],"business_days":2,"in_force_from":"2019-07-16","in_force_to":null,"authority":"market_convention","compelled_by_instrument":false,"statement":"Japanese cash equities settle T+2, for trades on or after 16 July 2019.","scope":"The cited instrument covers STOCKS. Japanese corporate bonds rest on a separate JSDA convention we have not cited and are refused rather than served under this row.","citations":[{"name":"JPX/JSCC — shortening of the settlement cycle for stocks to T+2","url":"https://www.jpx.co.jp/english/equities/improvements/t2/index.html"}]},{"market":"jp","instrument_classes":["government_bond"],"business_days":1,"in_force_from":"2018-05-01","in_force_to":null,"authority":"market_convention","compelled_by_instrument":false,"statement":"Japanese Government Bonds settle T+1 as the standard cycle for domestic transactions between residents, for trades on or after 1 May 2018.","citations":[{"name":"JSCC — JGB T+1 settlement","url":"https://www.jpx.co.jp/jscc/en/cash/jgbcc/jgb_settlement_t1.html"},{"name":"Bank of Japan — release on the shortening of JGB settlement (28 September 2017)","url":"https://www.boj.or.jp/en/announcements/release_2017/rel170928b.htm/"}]},{"market":"au","instrument_classes":["cash_equity","etf"],"business_days":2,"in_force_from":"2016-03-07","in_force_to":null,"authority":"sro_rule","compelled_by_instrument":false,"statement":"ASX cash equities settle T+2, effective 7 March 2016.","scope":"ASX Settlement Operating Rules cycle (ASIC/RBA-supervised), not a statutory mandate. The 7 March 2016 start date is our own conservative boundary: the ASX page we cite states the CURRENT cycle without restating when it began. FORWARD-LOOKING: ASX has taken NO decision to move to T+1 — its 2 August 2024 consultation states that no final decision has been made on whether to accelerate settlement to T+1, and that stakeholders prefer any move to follow CHESS Replacement Release 2 (targeted 2029). Dates circulating for an Australian T+1 are not ASX commitments and none is served here.","citations":[{"name":"ASX — settlement cycle page, stating the current cycle: 'Currently, trades settle on a T+2 basis, with securities transactions completing two business days after the trade date.'","url":"https://www.asx.com.au/markets/clearing-and-settlement-services/t1-settlement-cycle"}]},{"market":"ng","instrument_classes":["cash_equity"],"business_days":2,"in_force_from":"2025-11-28","in_force_to":"2026-05-31","authority":"sro_rule","compelled_by_instrument":false,"statement":"Nigerian equities settled T+2 from 28 November 2025 until the T+1 go-live on 1 June 2026.","scope":"Sourced from the depository's own go-live announcement rather than a rule instrument.","citations":[{"name":"CSCS — go-live of the T+2 settlement cycle (28 November 2025)","url":"https://www.cscs.ng/2025/11/cscs-announces-go-live-of-t2-settlement-cycle-in-capital-market/"}]},{"market":"ng","instrument_classes":["cash_equity"],"business_days":1,"in_force_from":"2026-06-01","in_force_to":null,"authority":"regulation","compelled_by_instrument":true,"statement":"Nigerian equities and commodities cleared and settled by CSCS settle T+1, effective Monday 1 June 2026.","scope":"Scoped to equities and commodities cleared and settled by CSCS. FGN bonds and Treasury Bills trade OTC on FMDQ and settle via CBN S4 / FMDQ Clear on cycles this circular does not cover.","citations":[{"name":"SEC Nigeria — Transition to T+1 Settlement Cycle in the Nigerian Capital Market","url":"https://sec.gov.ng/for-investors/keep-track-of-circulars/transition-to-t1-settlement-cycle-in-the-nigerian-capital-market/"}]},{"market":"ke","instrument_classes":["cash_equity","corporate_bond"],"business_days":3,"in_force_from":"2011-07-01","in_force_to":null,"authority":"sro_rule","compelled_by_instrument":false,"statement":"NSE-listed cash equities and corporate bonds settle on a rolling T+3 basis at the CDSC, with the cash leg through the CBK's KEPSS RTGS.","scope":"Kenyan GOVERNMENT securities are not held at CDSC — the Central Bank of Kenya is the CSD via DhowCSD — and their cycle is not covered here.","citations":[{"name":"CDSC Kenya — depository, clearing and settlement","url":"https://cdsckenya.com/depository-clearing-and-settlement/"}]},{"market":"eu (member states)","instrument_classes":["cash_equity","etf","corporate_bond","government_bond"],"business_days":2,"in_force_from":"2015-01-01","in_force_to":"2027-10-10","authority":"regulation","compelled_by_instrument":true,"statement":"For transferable securities executed on an EU trading venue, the intended settlement date is no later than the second business day after trading (T+2).","scope":"Art. 5(2) sets a maximum for VENUE-EXECUTED transactions, not a universal cycle — OTC trades and securities-financing transactions are outside it. Regulation (EU) 2025/2075 moves the EU to T+1 for trade dates from 11 October 2027; that regulation is enacted (OJ 14.10.2025, in force) and is served as a separate dated row, so trade dates from 11 October 2027 resolve to T+1 rather than to this row.","citations":[{"name":"Regulation (EU) No 909/2014 (CSDR) Art. 5(2)","url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32014R0909"},{"name":"Regulation (EU) 2025/2075 — shortens the cycle to T+1 from 11 October 2027","url":"https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=OJ:L_202502075"}],"applies_to":["at","be","bg","cy","cz","de","dk","ee","es","fi","fr","gr","hr","hu","ie","it","lt","lu","lv","mt","nl","pl","pt","ro","se","si","sk"]},{"market":"eu (member states)","instrument_classes":["cash_equity","etf","corporate_bond","government_bond"],"business_days":1,"in_force_from":"2027-10-11","in_force_to":null,"authority":"regulation","compelled_by_instrument":true,"statement":"For transferable securities executed on an EU trading venue, the intended settlement date is no later than the first business day after trading (T+1), for trade dates from 11 October 2027.","scope":"ENACTED law, not a plan: the amending regulation was adopted and published in the Official Journal on 14 October 2025 and carries its own application date of 11 October 2027, which is why a dated successor is served here while the equivalent UK and Swiss transitions are not. As with the T+2 rule it replaces, Art. 5(2) binds VENUE-EXECUTED transactions and sets a maximum rather than a universal cycle. The amended text expressly carves out privately negotiated transactions executed on a venue, bilaterally executed transactions reported to a venue, the first transaction on initial book-entry recording under Art. 3(2), and — new in this amendment — securities financing transactions as defined in Regulation (EU) 2015/2365 Art. 3(7)-(9) where documented as a single transaction of two linked operations. The rule is venue-based, not instrument-class based: there is no government-bond carve-out.","citations":[{"name":"Regulation (EU) 2025/2075 of 8 October 2025 amending Regulation (EU) No 909/2014 as regards a shorter settlement cycle in the Union, OJ L, 2025/2075, 14.10.2025 — Art. 1(1): 'the intended settlement date shall be no later than on the first business day after the trading takes place'; Art. 2: 'It shall apply from 11 October 2027.'","url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32025R2075"},{"name":"Regulation (EU) 2025/2075 — ELI permalink (EUR-Lex status: In force)","url":"http://data.europa.eu/eli/reg/2025/2075/oj"}],"applies_to":["at","be","bg","cy","cz","de","dk","ee","es","fi","fr","gr","hr","hu","ie","it","lt","lu","lv","mt","nl","pl","pt","ro","se","si","sk"]},{"market":"brvm (waemu member states)","instrument_classes":["cash_equity","etf","corporate_bond"],"business_days":2,"in_force_from":"2025-12-04","in_force_to":null,"authority":"sro_rule","compelled_by_instrument":false,"statement":"Securities traded on the BRVM (the WAEMU regional exchange) settle T+2 — two business days after trading. The DC/BR (Dépositaire Central/Banque de Règlement de l'UMOA) reduced the règlement-livraison cycle from J+3 to J+2 with effect from 4 December 2025, under the public-service concession granted to it by the AMF-UMOA.","scope":"Stated by the DC/BR for 'transactions boursières' (exchange-executed BRVM trades) across the eight WAEMU states the exchange serves (BJ, BF, CI, GW, ML, NE, SN, TG). It is NOT a treasury-securities cycle: WAEMU bills and bonds issued and settled on the UMOA-Titres / BCEAO market follow a separate BCEAO process not verified here, so no government_bond answer is served from this row. Calendar note: the calendars this API holds for WAEMU markets are NATIONAL public-holiday calendars, whereas BRVM settlement follows the DC/BR (Abidjan) exchange calendar — for markets other than Côte d'Ivoire that may diverge, so name the CI/BRVM calendar for a BRVM value date. (The DC/BR's own 'dénouement des transactions' service page still described the pre-2025 J+3 cycle when captured 2026-07-29; the J+2 rests on the dated go-live announcement cited above.)","citations":[{"name":"DC/BR (Dépositaire Central/Banque de Règlement de l'UMOA) — go-live announcement: 'la réduction du cycle de règlement/livraison des transactions boursières de J+3 à J+2 … depuis le 4 décembre 2025'","url":"https://dcbruemoa.org/en/node/18941"},{"name":"DC/BR — 'Cap sur un règlement des transactions en J+2': the AMF-UMOA public-service concession provides for the reduction of the cycle to two business days (deux jours ouvrés)","url":"https://dcbruemoa.org/en/node/18705"}],"applies_to":["bf","bj","ci","gw","ml","ne","sn","tg"]}],"deliberately_absent":["US Treasuries and T-bills — they settle T+1 by market convention, but no primary source we obtained STATES that cycle (SIFMA's page is a holiday schedule), and Rule 15c6-1 expressly exempts government securities. A cycle we believe but cannot cite is refused.","Japanese corporate bonds — the JPX/JSCC instrument we hold covers stocks; the corporate-bond cycle rests on a separate JSDA convention we have not cited.","Nigeria and Kenya government bonds / treasury bills — the cited T+1 (NG) and T+3 (KE) cycles are scoped to CSCS- and CDSC-settled instruments; government securities settle elsewhere (CBN S4 / FMDQ Clear; CBK DhowCSD) on cycles we have not verified.","South African bonds — no single mandatory cycle: T+3 is the documented on-market default but T+0/T+1/T+2 may be agreed, and off-market trades may roll to a maximum of T+9 under Strate Directive SD.2. Supply the agreed cycle as business_days.","UK and EU T+1 from 11 October 2027 — the EU regulation is made (Regulation (EU) 2025/2075) and the UK instrument was still in draft at 27 July 2026; neither is served for trade dates on or after that date until verified in force.","FX spot value dates — the USD-holiday test admits more than one documented reading, which produces different dates. See the fx_spot refusal.","Markets whose weekend rule we serve but whose settlement cycle we have not sourced (Israel, the Gulf states, Nepal). Weekend coverage is not cycle coverage."],"endpoint":"POST /v1/answers/settlement-date","disclaimer":"Independent service, not affiliated with any government. Verify against the cited official source before legal or financial use."}