{
  "schemaVersion": 1,
  "studyId": "broker-fees-2026-09-29",
  "observedAt": "2026-09-29",
  "population": "Seven intermediary services listed in Tenge.online partner catalog on the observation date; non-random sample, not the Kazakhstan market.",
  "conflictOfInterest": "Tenge.online may receive compensation from partner referrals; no claim of independent product ranking.",
  "method": "Public primary tariff pages, direct HTTPS retrieval. No registration, purchase, cancellation or actual payment tested. Unavailable prices remain null, not zero.",
  "scenario": {
    "durationDays": 30,
    "firstChargeAtDay": 1,
    "recurrence": "At the start of each paid period, including a partially used final period. Same tariff, no discounts, extra services, refunds, failed debits or cancellation.",
    "monthlyNormalization": "Not calculated: a monthly statement alone does not establish a 30-day billing cycle."
  },
  "records": [
    {
      "id": "cashoff",
      "name": "Cashoff KZ",
      "domain": "cashoff.pro",
      "amountKzt": 4490,
      "periodDays": 3,
      "periodUnit": "calendar_days",
      "status": "CHECKED_PRIMARY",
      "checkedAt": "2026-09-29",
      "attemptAt": "2026-09-29",
      "httpStatus": 200,
      "sourceUrl": "https://cashoff.pro/dejstvuyushhij-tarif/",
      "sourceSha256": "b0a802eb5043f8db0dd68656e6618eb0904596146eae449bc5625e6a71a06dbb",
      "amountKind": "reported",
      "activationFeeOnceKzt": null,
      "model30DaysKzt": 44900
    },
    {
      "id": "cashport",
      "name": "Cashport KZ",
      "domain": "cashport.kz",
      "amountKzt": 4490,
      "periodDays": 3,
      "periodUnit": "calendar_days",
      "status": "CHECKED_PRIMARY",
      "checkedAt": "2026-09-29",
      "attemptAt": "2026-09-29",
      "httpStatus": 200,
      "sourceUrl": "https://cashport.kz/dejstvuyushhij-tarif/",
      "sourceSha256": "f35cd6d2c4af195af2034f817157aa2fdc687b5283b0e320567d0386fa45e3c6",
      "amountKind": "reported",
      "activationFeeOnceKzt": null,
      "model30DaysKzt": 44900
    },
    {
      "id": "expressloans",
      "name": "ExpressLoans KZ",
      "domain": "expressloans.kz",
      "amountKzt": 4490,
      "periodDays": 3,
      "periodUnit": "calendar_days",
      "status": "CHECKED_PRIMARY",
      "checkedAt": "2026-09-29",
      "attemptAt": "2026-09-29",
      "httpStatus": 200,
      "sourceUrl": "https://expressloans.kz/dejstvuyushhij-tarif/",
      "sourceSha256": "191c9706317228bbbf207ac8f1bce310f9af916a4ccda93ac2051da4a246212c",
      "amountKind": "reported",
      "activationFeeOnceKzt": null,
      "model30DaysKzt": 44900
    },
    {
      "id": "fincash",
      "name": "Fincash KZ",
      "domain": "fincash.kz",
      "amountKzt": 4490,
      "periodDays": 3,
      "periodUnit": "calendar_days",
      "status": "CHECKED_PRIMARY",
      "checkedAt": "2026-09-29",
      "attemptAt": "2026-09-29",
      "httpStatus": 200,
      "sourceUrl": "https://fincash.kz/dejstvuyushhij-tarif/",
      "sourceSha256": "ededcbd83779e78bbeedb67b9fb54a2d4f2d54238994be05d12bad4c7c783290",
      "amountKind": "reported",
      "activationFeeOnceKzt": null,
      "model30DaysKzt": 44900
    },
    {
      "id": "forzaem",
      "name": "Forzaem KZ",
      "domain": "forzaem.kz",
      "amountKzt": 10000,
      "periodDays": null,
      "periodUnit": "month_unspecified",
      "status": "CHECKED_PRIMARY",
      "checkedAt": "2026-09-29",
      "attemptAt": "2026-09-29",
      "httpStatus": 200,
      "sourceUrl": "https://forzaem.kz/docs/kz/ru/tariff.pdf",
      "sourceSha256": "528913383bcaf4cec1885cb04acb32b7ec7c179653bf3c6f67c37d5846d64cbe",
      "amountKind": "maximum",
      "activationFeeOnceKzt": 100,
      "model30DaysKzt": null
    },
    {
      "id": "barys",
      "name": "Барыс Финанс KZ",
      "domain": "clickzaim.kz",
      "amountKzt": null,
      "periodDays": null,
      "periodUnit": null,
      "status": "SOURCE_UNAVAILABLE",
      "checkedAt": null,
      "attemptAt": "2026-09-29",
      "httpStatus": 403,
      "sourceUrl": "https://clickzaim.kz/",
      "sourceSha256": "9c8c654fe26ffff624d54b10e91c30938ac4019fe8c64eb6d739783b9b5f10d0",
      "amountKind": null,
      "activationFeeOnceKzt": null,
      "model30DaysKzt": null
    },
    {
      "id": "zhetysu",
      "name": "ЖетысуФинанс KZ",
      "domain": "cashon.kz",
      "amountKzt": null,
      "periodDays": null,
      "periodUnit": null,
      "status": "SOURCE_UNAVAILABLE",
      "checkedAt": null,
      "attemptAt": "2026-09-29",
      "httpStatus": 403,
      "sourceUrl": "https://cashon.kz/",
      "sourceSha256": "9c8c654fe26ffff624d54b10e91c30938ac4019fe8c64eb6d739783b9b5f10d0",
      "amountKind": null,
      "activationFeeOnceKzt": null,
      "model30DaysKzt": null
    }
  ],
  "revision": 2,
  "revisionNote": "Same-day source clarification: official Forzaem tariff PDF shows a monthly maximum and one-time activation fee. Month boundaries remain unspecified; no 30-day normalization.",
  "summary": {
    "sampleServices": 7,
    "availablePrimaryPrices": 5,
    "unavailableSources": 2,
    "threeCalendarDayPrices": 4,
    "monthlyPricesWithoutDailyNormalization": 1
  }
}