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": {
"id": "quo_5aT8xN2pQ7rV6sL1dZ9yPa",
"capabilityId": "card",
"customerId": "cus_7F3pL2nQ9xA5mW8kR1sT4v",
"externalId": "card-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",
"direction": "fiat_to_stablecoin",
"source": {
"type": "external"
},
"in": {
"amount": "20.00",
"currency": "USD"
},
"out": {
"amount": "18.89",
"currency": "USDC",
"network": "polygon"
},
"destination": {
"type": "account",
"id": "acc_3eG7xN2pQ4rT8mA1sL6dVc"
},
"fees": [
{
"beneficiary": "service",
"amount": "1.11",
"currency": "USD",
"components": [
{
"type": "processing",
"amount": "1.10",
"currency": "USD",
"rate": {
"value": "0.005",
"unit": "fraction"
}
},
{
"type": "network",
"amount": "0.01",
"currency": "USD"
}
]
}
]
}
}Create quote
Prices a money movement. Execute the quote before expiresAt; execution still requires the quote, capability, balance, destination, and routing checks to pass.
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": {
"id": "quo_5aT8xN2pQ7rV6sL1dZ9yPa",
"capabilityId": "card",
"customerId": "cus_7F3pL2nQ9xA5mW8kR1sT4v",
"externalId": "card-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",
"direction": "fiat_to_stablecoin",
"source": {
"type": "external"
},
"in": {
"amount": "20.00",
"currency": "USD"
},
"out": {
"amount": "18.89",
"currency": "USDC",
"network": "polygon"
},
"destination": {
"type": "account",
"id": "acc_3eG7xN2pQ4rT8mA1sL6dVc"
},
"fees": [
{
"beneficiary": "service",
"amount": "1.11",
"currency": "USD",
"components": [
{
"type": "processing",
"amount": "1.10",
"currency": "USD",
"rate": {
"value": "0.005",
"unit": "fraction"
}
},
{
"type": "network",
"amount": "0.01",
"currency": "USD"
}
]
}
]
}
}Authorizations
Your Swipelux API key. Obtain this from the Swipelux Dashboard.
Headers
Required for effectful v3 requests (POST, PATCH, PUT, DELETE). Reuse the same key with the same body to replay the cached response.
1 - 255Body
Provide exactly one of in.amount or out.amount. Stablecoin moves are same-network, same-currency transfers; cross-chain bridging and asset swaps are not supported.
^cus_[a-zA-Z0-9]+$"cus_7F3pL2nQ9xA5mW8kR1sT4v"
Ready capability used to price this quote. Open enum — values are added over time; clients must tolerate unknown values.
1"ach_pooled"
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Movement output. The public ID prefix determines the resource kind: acc_ identifies an account and dst_ identifies a recipient destination. For stablecoin_transfers, use any active Swipelux stablecoin account or a ready wallet destination owned by the request customer. A wallet destination can contain any address valid for its declared network; create it through the recipient-destination API because raw inline addresses are not accepted. Stablecoin input and output must use the same currency and network, and the resolved destination address must differ from the source address. External wallet accounts receive the selected transfer asset regardless of their stored account currency; issued accounts and recipient wallet destinations must match their registered currency. Destination-owner data is never exposed.
^(?:acc|dst)_[a-zA-Z0-9]+$"acc_base123"
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Optional public Institution id selecting an approved Bank route for a crypto-to-fiat payout quote. It must contain at least one non-whitespace character. Omit it to use automatic routing. It is invalid for pay-ins, card quotes, and stablecoin moves.
1\S"lead_bank"
Optional merchant-supplied opaque reference of at most 255 characters. Echoed on the quote resource and not required to be unique.
1 - 255"quote-ref-123"
Optional quote-level developer fee override. Overrides account fees for this quote only. A stablecoin_transfers wallet move currently accepts zero fees only: any non-zero platform or developer fee is rejected with 422 amount_not_deliverable until direct crypto fee settlement is supported.
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Payer details for fiat-funded quotes. PSE requires bankCode and full name, tax ID, document type and number, email, and phone; other details may come from the customer profile. Not included in quote responses.
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Response
Quote created
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