---
title: "Execute a quote"
method: POST
path: "/quotes/{quoteId}/execute"
tags: ["Cross-Currency Transfers"]
---

# Execute a quote

`POST /quotes/{quoteId}/execute`

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 header value
is the full Grid wallet signature built over 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.

## Path parameters

- `quoteId` string, required

## Headers

- `Idempotency-Key` string
- `Grid-Wallet-Signature` string

## Response `200`

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

- Quote
  - `id` string, required — Unique identifier for this quote
  - `status` 'PENDING' | 'PROCESSING' | 'COMPLETED' | 'FAILED' | 'EXPIRED', required — Current status of the quote
  - `createdAt` string, date-time, required — When this quote was created
  - `expiresAt` string, date-time, required — Absolute UTC timestamp when the rate locked in this quote becomes invalid and the quote can no longer be executed. The window depends on the rail and corridor: instant rails (Lightning, Spark, USDC on Solana/Base/Polygon, RTP, SEPA Instant) typically expire in 1–5 minutes; corridors with longer settlement guarantees may have longer windows. Always rely on this timestamp rather than assuming a fixed window.
  - `source` union, required
    - AccountQuoteSource — Source account details
      - `sourceType` 'ACCOUNT', required — Type of quote funding source
      - `accountId` string, required — Source account identifier
      - `customerId` string — Required when funding from an FBO account to identify the customer on whose behalf the transaction is being initiated. Otherwise, will default to the customerId of the account owner.
    - RealtimeFundingQuoteSource — Fund the quote using a real-time funding source (RTP, SEPA Instant, Spark, Stables, etc.). This will require manual just-in-time funding using `paymentInstructions` in the response. Because quotes expire quickly, this option is only valid for instant payment methods. Do not try to fund a quote with a non-instant payment method (ACH, etc.).
      - `sourceType` 'REALTIME_FUNDING', required — Type of quote funding source
      - `customerId` string — Source customer ID. If this transaction is being initiated on behalf of a customer, this is required. If customerId is not provided, the quote will be created on behalf of the platform itself.
      - `currency` string, required — Currency code for the funding source. See [Supported Currencies](https://docs.lightspark.com/platform-overview/core-concepts/currencies-and-rails) for the full list of supported fiat and crypto currencies.
      - `cryptoNetwork` string — The crypto network to use for the funding source. Required when `currency` is a stablecoin (e.g. USDC, USDT). Specifies which network the customer will deposit on, so the correct deposit address can be generated. Example values: `SOLANA`, `ETHEREUM`, `BASE`, `POLYGON`, `SPARK`, `LIGHTNING`, `BITCOIN`.
  - `destination` union, required
    - AccountDestination — Destination account details
      - `destinationType` 'ACCOUNT', required — Type of payment destination
      - `accountId` string, required — Destination account identifier
      - `paymentRail` 'ACH' | 'ACH_COLOMBIA' | 'BANK_TRANSFER' | 'BRE_B' | 'CIPS' | 'FAST' | 'FASTER_PAYMENTS' | 'FEDNOW' | 'INSTAPAY' | 'MOBILE_MONEY' | 'NEFT' | 'PAYNOW' | 'PESONET' | 'PIX' | 'RTGS' | 'RTP' | 'SEPA' | 'SEPA_INSTANT' | 'SPEI' | 'SWIFT' | 'UNIONPAY' | 'UPI' | 'WIRE' — The payment rail to use for the transfer. Must be one of the rails supported by the destination account. If not specified, the system will select a default rail.
    - UmaAddressDestination — UMA address destination details
      - `destinationType` 'UMA_ADDRESS', required — Type of payment destination
      - `umaAddress` string, required — UMA address of the recipient
      - `currency` string — Currency code for the destination. See [Supported Currencies](https://docs.lightspark.com/platform-overview/core-concepts/currencies-and-rails) for the full list of supported fiat and crypto currencies.
  - `sendingCurrency` Currency, required
    - `code` string — Three-letter currency code (ISO 4217) for fiat currencies. Some cryptocurrencies may use their own ticker symbols (e.g. "BTC" for Bitcoin, "USDC" for USDC, etc.)
    - `name` string — Full name of the currency
    - `symbol` string — Symbol of the currency
    - `decimals` integer — Number of decimal places for the currency
  - `receivingCurrency` Currency, required
    - `code` string — Three-letter currency code (ISO 4217) for fiat currencies. Some cryptocurrencies may use their own ticker symbols (e.g. "BTC" for Bitcoin, "USDC" for USDC, etc.)
    - `name` string — Full name of the currency
    - `symbol` string — Symbol of the currency
    - `decimals` integer — Number of decimal places for the currency
  - `totalSendingAmount` integer, required — The total amount that will be sent in the smallest unit of the sending currency (eg. cents).
  - `totalReceivingAmount` integer, required — The total amount that will be received in the smallest unit of the receiving currency (eg. cents).
  - `exchangeRate` number, required — Number of sending currency units per receiving currency unit.
  - `feesIncluded` integer, required — The fees associated with the quote in the smallest unit of the sending currency (eg. cents). Note: this value may fluctuate between quotes — some underlying fee components are defined in the receiving currency, so their equivalent in the sending currency moves with the FX rate. The fees shown here are locked only for the lifetime of this quote.
  - `paymentInstructions` PaymentInstructions[] — Payment instructions for executing the payment. This is not required when using an internal account source. — unresolved $ref
  - `transactionId` string, required — The ID of the transaction created from this quote.
  - `remittanceInformation` string — Free-form information about the payment that travels with it to the recipient, as provided on the quote request. The field this populates depends on the payment rail: for ACH it populates the Addenda record, for FedNow and RTP it populates the remittanceInformation field, and for wires it populates the OBI (Originator to Beneficiary Information) / beneficiary information.
  - `counterpartyInformation` CounterpartyInformation — Additional information about the counterparty, if available and relevant to the transaction and platform.
  - `rateDetails` OutgoingRateDetails — Details about the rate and fees for an outgoing transaction or quote. Note: `counterpartyFixedFee` is denominated in the receiving currency, so its equivalent value in the sending currency fluctuates with the FX rate. As a result, the total fee on a subsequent quote for the same transfer may differ even if the underlying fee structure is unchanged.
    - `counterpartyMultiplier` number, double, required — The underlying multiplier from mSATs to the receiving currency as returned by the counterparty institution.
    - `counterpartyFixedFee` integer, required — The fixed fee charged by the counterparty institution to execute the quote in the smallest unit of the receiving currency (eg. cents).
    - `gridApiMultiplier` number, double, required — The underlying multiplier from the sending currency to mSATS, including variable fees.
    - `gridApiFixedFee` integer, required — The fixed fee charged by the Grid product to execute the quote in the smallest unit of the sending currency (eg. cents).
    - `gridApiVariableFeeRate` number, double, required — The variable fee rate charged by the Grid product to execute the quote as a percentage of the sending currency amount.
    - `gridApiVariableFeeAmount` number, required — The variable fee amount charged by the Grid product to execute the quote in the smallest unit of the sending currency (eg. cents). This is the sending amount times gridApiVariableFeeRate.

## Other responses

- `400` — Bad request - Invalid quote ID or quote cannot be confirmed
- `401` — Unauthorized. Also returned when the quote's source is an internal account of type `EMBEDDED_WALLET` and the provided `Grid-Wallet-Signature` header is missing, malformed, or does not match the quote's `payloadToSign`.
- `404` — Quote not found
- `409` — Conflict - Quote already confirmed, expired, or in invalid state
- `500` — Internal service error

---

[API](https://skmtc.dev/stainless-api/apis/grid-api.md) · [All operations](https://skmtc.dev/stainless-api/apis/grid-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/stainless-api/grid-api/revisions/8165d5121244/schema)