Quotes

Overview

In Transfer API (V2), all transfers must be preceded by a successful Quote API call.

The Quote API is responsible for:

Locking pricing and fees
Determining settlement routes
Calculating commissions and platform fees
Defining expiration windows for execution

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Direct API Reference:

API Reference: Create a Transfer Quote (V2)

Step 1: Create a Quote

Before initiating a transfer, you must first request a quote.

Quote Request Example

{
    "source": {
        "country": "US",
        "chain": "ethereum",
        "asset": "USDC",
        "type": "individual"
    },
    "destination": {
        "chain": "avalanche",
        "asset": "USDC",
        "amount": 3000,
        "type": "individual"
    },
    "commission": {
        "amount": 10,
        "percentage": 0
    }
}

Standard Quote Response Example

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Array Notice
Note that the response data field is an Array. A single quote request can yield multiple quote objects for different payment and routing methods.

{
    "data": [
        {
            "id": "quote_BoWt0rEkZgjEFkAKJSVAqyZqZxfy3gllaipYhJHH",
            "payment_method": "ON_CHAIN",
            "chain": "ethereum",
            "source_country": null,
            "destination_country": null,
            "source_amount": "3010.000000",
            "source_currency": "USDC",
            "destination_amount": "3000.000000",
            "destination_currency": "USDC",
            "destination_chain": "avalanche",
            "exchange_rate": "1.000000",
            "exchange_pair": "USDC/USDC",
            "crypto_settlement_time_min": 5,
            "crypto_settlement_time_max": 20,
            "crypto_settlement_time_unit": "MINUTES",
            "source_type": "individual",
            "destination_type": "individual",
            "quote_expire_date": "2025-12-26T18:38:42+00:00",
            "crypto_funds_settlement_expire_date": "2025-12-26T18:38:42+00:00",
            "fees": [
                {
                    "type": "HARBOR_FEE",
                    "amount": "55.160875",
                    "currency": "USDC",
                    "charge_from": "OwlPay Harbor",
                    "payer": "Wallet Service Provider"
                },
                {
                    "type": "COMMISSION_FEE",
                    "amount": "10.000000",
                    "currency": "USDC",
                    "charge_from": "Wallet Service Provider",
                    "payer": "customer"
                }
            ],
            "created_at": "2025-12-26T17:08:42+00:00",
            "updated_at": "2025-12-26T17:08:42+00:00"
        }
    ]
}

Quote Response Example with Dynamic Customer Limits

If you supply the on_behalf_of parameter (the customer UUID), the API automatically calculates and appends the customer_limits structure, showing the customer's payment method limits and how much of each they have left.

{
    "data": [
        {
            "id": "quote_BoWt0rEkZgjEFkAKJSVAqyZqZxfy3gllaipYhJHH",
            "payment_method": "ON_CHAIN",
            "chain": "ethereum",
            "source_country": null,
            "destination_country": null,
            "source_amount": "3010.000000",
            "source_currency": "USDC",
            "destination_amount": "3000.000000",
            "destination_currency": "USDC",
            "destination_chain": "avalanche",
            "exchange_rate": "1.000000",
            "exchange_pair": "USDC/USDC",
            "crypto_settlement_time_min": 5,
            "crypto_settlement_time_max": 20,
            "crypto_settlement_time_unit": "MINUTES",
            "source_type": "individual",
            "destination_type": "individual",
            "quote_expire_date": "2025-12-26T18:38:42+00:00",
            "crypto_funds_settlement_expire_date": "2025-12-26T18:38:42+00:00",
            "fees": [
                {
                    "type": "HARBOR_FEE",
                    "amount": "55.160875",
                    "currency": "USDC",
                    "charge_from": "OwlPay Harbor",
                    "payer": "Wallet Service Provider"
                },
                {
                    "type": "COMMISSION_FEE",
                    "amount": "10.000000",
                    "currency": "USDC",
                    "charge_from": "Wallet Service Provider",
                    "payer": "customer"
                }
            ],
            "customer_limits": {
                "per_transaction_limit": "100000.000000",
                "daily_limit": "500000.000000",
                "weekly_limit": "2000000.000000",
                "monthly_limit": "5000000.000000",
                "current_remaining": "489500.000000"
            },
            "created_at": "2025-12-26T17:08:42+00:00",
            "updated_at": "2025-12-26T17:08:42+00:00"
        }
    ]
}

Reading `customer_limits`

These are payment method limits, not tier limits. customer_limits shows the limits for the quote's payment method. The tier limits for the customer's verification level are not included.
A limit of 0 means no limit. If a *_limit field is 0, no limit applies for that period. It does not mean the customer is blocked.
Check the *_limit field before the *_remaining field. When there is no limit for a period, the matching *_remaining field and current_remaining also return 0.

Example: a wire quote returns 0 for every limit. This means wire has no payment method limits; the customer can still send a wire.

⚠️
A successful quote does not mean the transfer will pass the tier limits. Tier limits are checked when you create the transfer, not when you request the quote. See Transaction Limits.

Overview

Step 1: Create a Quote

Quote Request Example

Standard Quote Response Example

Array Notice

Quote Response Example with Dynamic Customer Limits

Reading customer_limits

Reading `customer_limits`