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Rates API Open Source

Rates API is an open source project that provides up-to-date lending rates from New Zealand financial institutions. The entire codebase is available on GitHub at github.com/simonbetton/ratesapi.nz, allowing anyone to contribute, customize, or deploy their own instance.

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Why Open Source?

We believe in the power of open source to:
  • Promote Transparency: Open code means anyone can see how the data is collected and processed
  • Encourage Collaboration: Developers can contribute improvements and new features
  • Ensure Longevity: The project isn’t dependent on a single maintainer
  • Enable Customization: Fork the project to create specialized versions for specific needs
  • Support Education: Serve as a learning resource for developers interested in financial data or Cloudflare Workers

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Technology Stack

Rates API is built with modern web technologies:
  • Bun: A fast JavaScript runtime and package manager
  • Hono: A lightweight, fast web framework
  • Cloudflare Workers: Serverless JavaScript runtime on Cloudflare CDN
  • Cloudflare D1: Serverless SQL database for data storage
  • TypeScript: For type-safe development
  • Zod: TypeScript-first schema validation
  • OpenAPI/Swagger: API documentation generation
  • Cheerio: HTML parsing for web scraping
  • GitHub Actions: For monitoring and automation
This stack ensures high performance, global distribution, and excellent developer experience with reliable data persistence.

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Repository Structure

The project follows a clean and maintainable structure:
  • src/: Main application code
    • index.ts: Entry point with Hono application setup
    • models/: Schema definitions for API data types
    • routes/: API endpoint implementations
    • lib/: Utility functions and helpers
  • bin/: Scraper scripts to collect rates data
    • Separate scripts for mortgage, personal loan, car loan, and credit card rates
  • schema.sql: CloudFlare D1 database schema definition

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Getting Started

To get started with the project:
  1. Visit the GitHub repository
  2. Follow the setup instructions in the Local Development guide
  3. Check out the Deployment guide to deploy your own instance