[
  {
    "date": "Oct 6, 2026",
    "updatedAt": "2026-10-07T03:48:23.003Z",
    "reference": 130.4713,
    "usdPerHtd": 0.0383,
    "banking": {
      "buy": 130.1854,
      "sell": 131.3579,
      "spread": 1.1725,
      "spreadPct": 0.89
    },
    "informal": {
      "buy": 130.9,
      "sell": 135.6,
      "spread": 4.7,
      "spreadPct": 3.47
    },
    "spreadRatio": 4
  }
]