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Every payout starts with a quote. A quote locks an exchange rate and shows the fees and estimated delivery time so you can display the recipient amount before committing funds.

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Getting a quote

Call GET /api/payouts/quote with a targetCurrency and sourceAmount. The quoted amount is cached server-side for 5 minutes, and the response includes a single-use quoteId to pass to a transfer endpoint as quote_id.

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Fee fields

A quote separates platform fees from the settlement-layer transfer fee. The fee breakdown fields are nullable and are null when a breakdown is unavailable, for example an unsupported corridor or an email recipient.
Fee fields are for display. They are not deducted from the USDC you send on-chain — the platform settles the correct amounts internally.

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v2-offloader fees

When quoting for the v2 pipeline, pass v2_offloader=true. The fees are calculated for the v2 transfer accounts: serviceFeePercent reflects your configured fee plus 20 bips, serviceFeeFixed is 0, and providerCharge is absent. This parameter is ignored for non-API-key callers. See v1 vs v2 transfers.

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Quick fee lookup

For real-time display as a user types an amount, GET /api/payouts/fee returns just the platform fee for a USD amount with no external dependencies. It returns mwFee (USD) and mwFeePercentage.

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Amount limits

GET /api/payouts/amount-limits returns the min_amount and max_amount your account may submit to quote and transfer endpoints. A null bound means no limit is configured. Amounts outside these limits are rejected with 400.