curl --request POST \
  --url https://platform.swipelux.com/v3/quotes \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "customerId": "cus_7F3pL2nQ9xA5mW8kR1sT4v",
  "capabilityId": "ach_pooled",
  "externalId": "quote-ref-123",
  "in": {
    "amount": "150.00",
    "currency": "USD"
  },
  "destinationId": "acc_base123",
  "out": {
    "currency": "USDC"
  }
}
'

{
  "data": {
    "customerId": "cus_7F3pL2nQ9xA5mW8kR1sT4v",
    "externalId": "quote-ref-123",
    "mode": "exact_in",
    "rate": "1.00",
    "status": "active",
    "transferId": null,
    "createdAt": "2026-06-25T12:00:00.000Z",
    "expiresAt": "2026-06-25T12:05:00.000Z",
    "id": "quo_6dV8xN2pQ4rT7mA9sL1kBc",
    "capabilityId": "ach_pooled",
    "institutionId": "jpmorgan",
    "direction": "fiat_to_stablecoin",
    "source": {
      "type": "external"
    },
    "in": {
      "amount": "150.00",
      "currency": "USD"
    },
    "out": {
      "amount": "145.00",
      "currency": "USDC",
      "network": "base"
    },
    "destination": {
      "type": "account",
      "id": "acc_3eG7xN2pQ4rT8mA1sL6dVc"
    },
    "fees": [
      {
        "beneficiary": "developer",
        "amount": "0.88",
        "currency": "USDC",
        "rule": {
          "fixed": "0.50",
          "bips": 25
        }
      },
      {
        "beneficiary": "service",
        "amount": "4.12",
        "currency": "USDC"
      }
    ]
  }
}