{
  "checked_on": "2026-10-07",
  "timezone": "Europe/Prague",
  "actual_data": {
    "ecb_czk_per_eur": "24.405",
    "rate_date": "2026-10-06",
    "source": "https://www.ecb.europa.eu/stats/policy_and_exchange_rates/euro_reference_exchange_rates/html/eurofxref-graph-czk.en.html",
    "purpose": "Dated informational benchmark, not a tradable quote."
  },
  "models": {
    "equal_budget": {
      "total_debit_czk": "10000",
      "formula": "recipient_EUR = (total_debit_CZK - all_fees_CZK) / CZK_per_EUR",
      "offers": [
        {
          "name": "Model A",
          "fee": "0",
          "rate": "25.15",
          "recipient": "397.6143141153081510934393638"
        },
        {
          "name": "Model B",
          "fee": "49",
          "rate": "24.50",
          "recipient": "406.1632653061224489795918367"
        }
      ],
      "assumptions": "Fictional services; identical delivery/arrival and no recipient or third-party fee."
    },
    "slovakia_rate_impact": {
      "formula": "EUR = CZK / (ECB_rate * (1 + rate_markup)); fees = 0",
      "rows": [
        {
          "czk": 1000.0,
          "benchmark_eur": 40.97520999795124,
          "rate_plus_1pct_eur": 40.569514849456674,
          "rate_plus_2pct_eur": 40.171774507795334,
          "loss_2pct_czk": 19.607843137254903
        },
        {
          "czk": 10000.0,
          "benchmark_eur": 409.7520999795124,
          "rate_plus_1pct_eur": 405.69514849456675,
          "rate_plus_2pct_eur": 401.71774507795334,
          "loss_2pct_czk": 196.07843137254903
        },
        {
          "czk": 50000.0,
          "benchmark_eur": 2048.760499897562,
          "rate_plus_1pct_eur": 2028.4757424728336,
          "rate_plus_2pct_eur": 2008.5887253897668,
          "loss_2pct_czk": 980.3921568627451
        }
      ],
      "assumptions": "Model markups 1% and 2% mean increasing CZK per EUR, not subtracting 1%/2% from recipient amount."
    }
  },
  "diagrams": {
    "comparison_protocol": "Editorial methodology; no statistical data.",
    "slovakia_route_choice": "Editorial decision aid; assumes an EUR account in Slovakia."
  }
}