Retrieve a quote

An amount paired with its currency, at 6-fractional-digit accounting precision.

An amount paired with its currency, at 6-fractional-digit accounting precision.

Public exchange conditions. spread_bps is the additional client-selected spread for the quote, in integer basis points. OZAV cost, floor, margin, split and cost analytics are internal and are not serialized in public API responses.

The FX rate lock conditions (trava de câmbio), previewed alongside the quote.

Returned only when the request set facility_preview: true and your organization has the facility contracted and operable. Its terms_version is the value POST /transfers accepts as facility_terms_version, and this is the only place it comes from.

Absence is the answer, not an error. A client without the facility gets a normal 201 quote with this block missing and no explanation - the preview never fails a quote, because the quote is the product. To learn why, attempt the transfer: it refuses loudly with 422 FACILITY_LOCK_UNAVAILABLE and a machine-readable details.reason.

These numbers are contractual, not settings. The penalty, the minimum charge, the reserve percentage, the client window and the cutoff come from the schedule (Termo) your organization signed. They are shown here because an acceptance over conditions the payer never saw does not support a charge later.

Why the rate-lock preview is not available for this account.

Returned instead of facility when the request set facility_preview: true and the facility cannot be offered. It never fails the quote - the quote is the product - it only explains the absence.

Read this instead of guessing at a missing facility block. Branch on reason, which is the stable slug and the same vocabulary as details.reason on 422 FACILITY_LOCK_UNAVAILABLE, so one mapping serves the preview and the refusal.

This preview runs the offer gates only - the ones that decide whether a lock can be shown. It does not evaluate collateral or your contractual limits, because those are resolved at acceptance, inside the lock. So collateral_insufficient is not a value you will see here: it appears on POST /transfers instead. The table below is the complete set this endpoint can return.

| reason | What it means | What to do | |---|---|---| | client_not_exempt | Your organization has not contracted the facility. | Talk to your account manager - no request will succeed until it is contracted. | | no_client | The key does not resolve to an organization the facility knows. | Contact support with the request id. | | no_terms / terms_inactive / no_terms_version / invalid_terms | The signed schedule (Termo) is missing, not active, or incomplete. | A contract step, not a parameter. Talk to your account manager. | | past_client_cutoff | Locking now is past today's cutoff. | Try earlier on the next business day. | | client_window_too_short | Today's cutoff is too close to leave a usable delivery window (under ten minutes). | Try earlier on the next business day. | | client_window_exceeds_settlement | Today's window does not fit settlement. | Ask for a shorter window, or try earlier. | | unwind_not_ready | The facility is not being offered right now. Not about your account. | Retry later; if it persists, contact support. | | pool_config_missing / execution_margin_not_configured / settlement_mode_not_configured | A platform setting the facility needs is missing. Not about your account. | Retry later; if it persists, contact support with the request id. | | invalid_amounts | The amounts on the quote cannot be used to price a lock. | Check source.amount and the target; if they look right, contact support. | | previa_indisponivel | The preview could not be computed. Not about your account, and not about your request. | The quote itself is valid and usable. If you need the preview, contact support with the request_id of this response. |

Present only on a quote requested with via: the stablecoin and the network the conversion passes through.

Present only on a quote requested with via. The two legs, in order: BRL → stablecoin, then stablecoin → target. The second leg is priced on the stablecoin the first delivers, rounded down to the cent; a remainder below 0.01 stays in your customer's wallet. The top-level source is the first leg's source and target the second leg's target.