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Cross-Currency Transfers

Execute a quote

Execute a quote by its ID. This endpoint initiates the transfer between the source and destination accounts.

This endpoint can only be used for quotes with a source which is either an internal account, or has direct pull functionality (e.g. ACH pull with an external account).

When the quote's source is an internal account of type EMBEDDED_WALLET, the request must include a Grid-Wallet-Signature header. The signature is produced by signing the payloadToSign value from the quote's paymentInstructions[].accountOrWalletInfo entry with the session private key of a verified authentication credential on the source Embedded Wallet.

Once executed, the quote cannot be cancelled and the transfer will be processed.

post/quotes/{quoteId}/execute

Path parameters

quoteIdstring required

The unique identifier of the quote to execute

Headers

Idempotency-Keystring
Example:<uuid>

A unique identifier for the request. If the same key is sent multiple times, the server will return the same response as the first request.

Grid-Wallet-Signaturestring

Signature over the payloadToSign returned in the quote's paymentInstructions[].accountOrWalletInfo entry, produced with the session private key of a verified authentication credential on the source Embedded Wallet and base64-encoded. Required when the quote's source is an internal account of type EMBEDDED_WALLET; ignored for other source types.

Response

Quote confirmed successfully. The transfer has been initiated and the quote status has been updated.

idstring required

Unique identifier for this quote

status'PENDING' | 'PROCESSING' | 'COMPLETED' | 'FAILED' | 'EXPIRED' required

Current status of the quote

createdAtstring date-time required

When this quote was created

expiresAtstring date-time required

When this quote expires (typically 1-5 minutes after creation)

totalSendingAmountinteger required

The total amount that will be sent in the smallest unit of the sending currency (eg. cents).

totalReceivingAmountinteger required

The total amount that will be received in the smallest unit of the receiving currency (eg. cents).

exchangeRatenumber required

Number of sending currency units per receiving currency unit.

feesIncludedinteger required

The fees associated with the quote in the smallest unit of the sending currency (eg. cents).

transactionIdstring required

The ID of the transaction created from this quote.

counterpartyInformationCounterpartyInformation

Additional information about the counterparty, if available and relevant to the transaction and platform.

Example response

{
  "id": "Quote:019542f5-b3e7-1d02-0000-000000000006",
  "status": "PENDING",
  "createdAt": "2025-10-03T12:00:00Z",
  "expiresAt": "2025-10-03T12:05:00Z",
  "source": {
    "accountId": "InternalAccount:e85dcbd6-dced-4ec4-b756-3c3a9ea3d965",
    "customerId": "Customer:019542f5-b3e7-1d02-0000-000000000001"
  },
  "destination": {
    "accountId": "ExternalAccount:a12dcbd6-dced-4ec4-b756-3c3a9ea3d123",
    "paymentRail": "ACH"
  },
  "sendingCurrency": {
    "code": "USD",
    "name": "United States Dollar",
    "symbol": "$",
    "decimals": 2
  },
  "receivingCurrency": {
    "code": "USD",
    "name": "United States Dollar",
    "symbol": "$",
    "decimals": 2
  },
  "totalSendingAmount": 123010,
  "totalReceivingAmount": 1000,
  "feesIncluded": 10,
  "paymentInstructions": [
    {
      "accountOrWalletInfo": {
        "accountType": "USD_ACCOUNT",
        "paymentRails": [
          "ACH",
          "WIRE"
        ],
        "accountNumber": "1234567890",
        "routingNumber": "021000021",
        "bankName": "Chase Bank",
        "reference": "UMA-Q12345-REF"
      },
      "instructionsNotes": "Include reference UMA-Q12345-REF in memo"
    },
    {
      "accountOrWalletInfo": {
        "accountType": "SPARK_WALLET",
        "assetType": "BTC",
        "address": "spark1pgssyuuuhnrrdjswal5c3s3rafw9w3y5dd4cjy3duxlf7hjzkp0rqx6dj6mrhu",
        "invoice": "lnbc15u1p3xnhl2pp5jptserfk3zk4qy42tlucycrfwxhydvlemu9pqr93tuzlv9cc7g3sdqsvfhkcap3xyhx7un8cqzpgxqzjcsp5f8c52y2stc300gl6s4xswtjpc37hrnnr3c9wvtgjfuvqmpm35evq9qyyssqy4lgd8tj637qcjp05rdpxxykjenthxftej7a2zzmwrmrl70fyj9hvj0rewhzj7jfyuwkwcg9g2jpwtk3wkjtwnkdks84hsnu8xps5vsq4gj5hs"
      }
    }
  ],
  "transactionId": "Transaction:019542f5-b3e7-1d02-0000-000000000005",
  "counterpartyInformation": {
    "FULL_NAME": "John Sender",
    "BIRTH_DATE": "1985-06-15",
    "NATIONALITY": "DE"
  },
  "rateDetails": {
    "counterpartyMultiplier": 1.08,
    "counterpartyFixedFee": 10,
    "gridApiMultiplier": 0.925,
    "gridApiFixedFee": 10,
    "gridApiVariableFeeRate": 0.003,
    "gridApiVariableFeeAmount": 30
  }
}

Changes