{"version":1,"generatedAt":"2026-11-05T12:00:18.468Z","base":"VES","rows":[{"id":"bcv_usd","label":{"es":"BCV oficial"},"unit":"USD","value":894.8876,"kind":"official","quote":"VES","source":"bcv","sourceName":{"es":"Banco Central de Venezuela"},"observedAt":"2026-11-05T11:50:18.422Z","effectiveDate":"2026-11-05","confidence":"high"},{"id":"bcv_eur","label":{"es":"BCV oficial €"},"unit":"EUR","value":1006.0326,"kind":"official","quote":"VES","source":"bcv","sourceName":{"es":"Banco Central de Venezuela"},"observedAt":"2026-11-05T11:50:18.422Z","effectiveDate":"2026-11-05","confidence":"high"},{"id":"p2p_usdt","kind":"observed_p2p","label":{"es":"USDT · mercados P2P"},"unit":"USDT","quote":"VES","value":1012.595,"buy":1012.595,"sell":1003.555,"source":"criptoya","sourceName":{"es":"Mediana de 6 mercados P2P (Binance, OKX, Bybit, Bitget, BingX, MEXC), vía CriptoYa"},"observedAt":"2026-11-05T12:00:18.468Z","confidence":"high","components":{"binancep2p_ask":1011.2,"binancep2p_bid":1010.1,"okexp2p_ask":1013.99,"okexp2p_bid":1007.25,"bybitp2p_ask":1008.694,"bybitp2p_bid":1005.11,"bitgetp2p_ask":1010,"bitgetp2p_bid":1002,"bingxp2p_ask":1024,"bingxp2p_bid":1001.11,"mexcp2p_ask":1018.66,"mexcp2p_bid":1001.51},"note":{"es":"Mediana del precio de compra (lo que pagas por 1 USDT) y de venta (lo que recibes) en varios mercados P2P públicos. Se descartan los mercados con datos de más de 30 min o que se apartan más de 5 % de la mediana. Datos: CriptoYa (criptoya.com)."}},{"id":"binance_p2p","kind":"reference","label":{"es":"Binance P2P (todas las formas de pago)"},"unit":"USDT","quote":"VES","value":1011.2,"buy":1011.2,"sell":1010.1,"source":"criptoya","sourceName":{"es":"Precio observado en Binance P2P, vía CriptoYa"},"observedAt":"2026-11-05T12:00:18.468Z","confidence":"medium","note":{"es":"Desglose de Binance P2P dentro de la mediana de mercados. No distingue forma de pago."}},{"id":"eur_usd_ecb","kind":"reference","label":{"es":"EUR/USD (BCE)"},"unit":"EUR","quote":"USD","value":1.1267,"source":"ecb","sourceName":{"es":"Banco Central Europeo, tipo de referencia"},"observedAt":"2026-11-05T08:45:19.046Z","effectiveDate":"2026-11-04","confidence":"high"},{"id":"cash_usd","kind":"derived","label":{"es":"Efectivo $ (con IGTF)"},"unit":"USD","quote":"VES","value":868.8229,"source":"tazuela","sourceName":{"es":"Cálculo de Tazuela: BCV con IGTF 3 % incluido"},"method":"cash","observedAt":"2026-11-05T11:50:18.422Z","effectiveDate":"2026-11-05","confidence":"high","components":{"reference":"bcv_usd","referenceValue":894.8876,"igtf":0.03},"note":{"es":"Cuántos Bs de producto compra 1 $ en efectivo si el comercio aplica BCV y añade el IGTF (3 %). Ver DECISIONES-PENDIENTES §2."}},{"id":"promedio","kind":"derived","label":{"es":"Promedio BCV + mercados P2P"},"unit":"USD","quote":"VES","value":953.7413,"source":"tazuela","sourceName":{"es":"Cálculo de Tazuela"},"observedAt":"2026-11-05T12:00:18.468Z","confidence":"high","components":{"bcv_usd":894.8876,"p2p_usdt":1012.595},"note":{"es":"Media simple entre la tasa oficial BCV y la mediana de mercados P2P (compra)."}},{"id":"eur_market","kind":"derived","label":{"es":"€ a precio de mercados P2P"},"unit":"EUR","quote":"VES","value":1140.8908,"source":"tazuela","sourceName":{"es":"Cálculo de Tazuela: mercados P2P × EUR/USD del BCE"},"observedAt":"2026-11-05T12:00:18.468Z","confidence":"high","components":{"p2p_usdt":1012.595,"eur_usd_ecb":1.1267},"note":{"es":"Cuántos Bs vale 1 € según la mediana de mercados P2P (compra), cruzado con el tipo EUR/USD de referencia del BCE."}}],"rules":{"igtf":{"rate":0.03,"rateSpecialTaxpayer":0.02,"appliesTo":["cash_usd","cash_eur","crypto"],"exempt":["card_international","ves_any"],"source":{"es":"Ley IGTF (reforma 2022) y Decreto 4.647: 3 % sobre pagos en divisas en efectivo o criptoactivos; 2 % contribuyentes especiales; tarjetas internacionales exentas."}},"fees":[{"id":"pago_movil_p2p","label":{"es":"Pago móvil P2P"},"rate":0.003,"minVes":14,"appliesTo":["ves_pago_movil"],"source":{"es":"Gaceta Oficial 43.427 (ago-2026): tope 0,30 %"}},{"id":"pago_movil_p2c","label":{"es":"Pago móvil P2C (a comercio)"},"rate":0.015,"minVes":14,"appliesTo":["ves_pago_movil_commerce"],"source":{"es":"Gaceta Oficial 43.427: tope 1,50 %"}},{"id":"c2p_interbank","label":{"es":"C2P interbancario"},"rate":0.02,"minVes":14,"appliesTo":["ves_c2p"],"source":{"es":"Gaceta Oficial 43.427: 2 % interbancario, 1,75 % mismo banco"}}]},"methodologyUrl":"https://api.tazuela.com/v1/methodology"}