Create a payment quote

curl --request POST \
  --url https://sandbox-api.polygon.technology/v0.12/quotes \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "customerId": "cst_vfa0nxw6zvyws9g237jrxn4y7k",
  "source": {
    "type": "walletCrypto",
    "details": {
      "id": "wlt_5h4jzzpr9xre3bamd9ca7qyghn",
      "asset": "usdc",
      "network": "polygon"
    },
    "amount": "100.00"
  },
  "destination": {
    "type": "bankUs",
    "details": {
      "id": "ext_fky491gakzj0dd46qb6whsr2vq",
      "asset": "usd",
      "network": "ach",
      "accountHolder": "customer"
    }
  },
  "sponsorGas": true,
  "metadata": {
    "orderId": "order_12345"
  }
}
'

import requests

url = "https://sandbox-api.polygon.technology/v0.12/quotes"

payload = {
    "customerId": "cst_vfa0nxw6zvyws9g237jrxn4y7k",
    "source": {
        "type": "walletCrypto",
        "details": {
            "id": "wlt_5h4jzzpr9xre3bamd9ca7qyghn",
            "asset": "usdc",
            "network": "polygon"
        },
        "amount": "100.00"
    },
    "destination": {
        "type": "bankUs",
        "details": {
            "id": "ext_fky491gakzj0dd46qb6whsr2vq",
            "asset": "usd",
            "network": "ach",
            "accountHolder": "customer"
        }
    },
    "sponsorGas": True,
    "metadata": { "orderId": "order_12345" }
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    customerId: 'cst_vfa0nxw6zvyws9g237jrxn4y7k',
    source: {
      type: 'walletCrypto',
      details: {id: 'wlt_5h4jzzpr9xre3bamd9ca7qyghn', asset: 'usdc', network: 'polygon'},
      amount: '100.00'
    },
    destination: {
      type: 'bankUs',
      details: {
        id: 'ext_fky491gakzj0dd46qb6whsr2vq',
        asset: 'usd',
        network: 'ach',
        accountHolder: 'customer'
      }
    },
    sponsorGas: true,
    metadata: {orderId: 'order_12345'}
  })
};

fetch('https://sandbox-api.polygon.technology/v0.12/quotes', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://sandbox-api.polygon.technology/v0.12/quotes",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'customerId' => 'cst_vfa0nxw6zvyws9g237jrxn4y7k',
    'source' => [
        'type' => 'walletCrypto',
        'details' => [
                'id' => 'wlt_5h4jzzpr9xre3bamd9ca7qyghn',
                'asset' => 'usdc',
                'network' => 'polygon'
        ],
        'amount' => '100.00'
    ],
    'destination' => [
        'type' => 'bankUs',
        'details' => [
                'id' => 'ext_fky491gakzj0dd46qb6whsr2vq',
                'asset' => 'usd',
                'network' => 'ach',
                'accountHolder' => 'customer'
        ]
    ],
    'sponsorGas' => true,
    'metadata' => [
        'orderId' => 'order_12345'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "Idempotency-Key: <idempotency-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://sandbox-api.polygon.technology/v0.12/quotes"

	payload := strings.NewReader("{\n  \"customerId\": \"cst_vfa0nxw6zvyws9g237jrxn4y7k\",\n  \"source\": {\n    \"type\": \"walletCrypto\",\n    \"details\": {\n      \"id\": \"wlt_5h4jzzpr9xre3bamd9ca7qyghn\",\n      \"asset\": \"usdc\",\n      \"network\": \"polygon\"\n    },\n    \"amount\": \"100.00\"\n  },\n  \"destination\": {\n    \"type\": \"bankUs\",\n    \"details\": {\n      \"id\": \"ext_fky491gakzj0dd46qb6whsr2vq\",\n      \"asset\": \"usd\",\n      \"network\": \"ach\",\n      \"accountHolder\": \"customer\"\n    }\n  },\n  \"sponsorGas\": true,\n  \"metadata\": {\n    \"orderId\": \"order_12345\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Idempotency-Key", "<idempotency-key>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://sandbox-api.polygon.technology/v0.12/quotes")
  .header("Idempotency-Key", "<idempotency-key>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"customerId\": \"cst_vfa0nxw6zvyws9g237jrxn4y7k\",\n  \"source\": {\n    \"type\": \"walletCrypto\",\n    \"details\": {\n      \"id\": \"wlt_5h4jzzpr9xre3bamd9ca7qyghn\",\n      \"asset\": \"usdc\",\n      \"network\": \"polygon\"\n    },\n    \"amount\": \"100.00\"\n  },\n  \"destination\": {\n    \"type\": \"bankUs\",\n    \"details\": {\n      \"id\": \"ext_fky491gakzj0dd46qb6whsr2vq\",\n      \"asset\": \"usd\",\n      \"network\": \"ach\",\n      \"accountHolder\": \"customer\"\n    }\n  },\n  \"sponsorGas\": true,\n  \"metadata\": {\n    \"orderId\": \"order_12345\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://sandbox-api.polygon.technology/v0.12/quotes")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Idempotency-Key"] = '<idempotency-key>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"customerId\": \"cst_vfa0nxw6zvyws9g237jrxn4y7k\",\n  \"source\": {\n    \"type\": \"walletCrypto\",\n    \"details\": {\n      \"id\": \"wlt_5h4jzzpr9xre3bamd9ca7qyghn\",\n      \"asset\": \"usdc\",\n      \"network\": \"polygon\"\n    },\n    \"amount\": \"100.00\"\n  },\n  \"destination\": {\n    \"type\": \"bankUs\",\n    \"details\": {\n      \"id\": \"ext_fky491gakzj0dd46qb6whsr2vq\",\n      \"asset\": \"usd\",\n      \"network\": \"ach\",\n      \"accountHolder\": \"customer\"\n    }\n  },\n  \"sponsorGas\": true,\n  \"metadata\": {\n    \"orderId\": \"order_12345\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "qt_0gq9aesz4wb5etdv88z1j61qcm",
  "object": "quote",
  "status": "open",
  "sourceToDestination": "cryptoToFiatAccount",
  "customerId": "cst_vfa0nxw6zvyws9g237jrxn4y7k",
  "source": {
    "party": {
      "relationship": "customer",
      "id": "cst_vfa0nxw6zvyws9g237jrxn4y7k",
      "name": "Jane Smith"
    },
    "type": "walletCrypto",
    "category": "crypto",
    "id": "wlt_5h4jzzpr9xre3bamd9ca7qyghn",
    "asset": "usdc",
    "network": "polygon",
    "displayName": "0x7B3A9F2C4D1eA8bf6390cE5D2b7fA104c8e3D9B1"
  },
  "destination": {
    "party": {
      "relationship": "externalRegistered",
      "id": "ctp_yp5z8m7n22svc0vh6edqgcfdat",
      "name": "Alice Smith"
    },
    "type": "bankUs",
    "category": "fiatAccount",
    "id": "ext_fky491gakzj0dd46qb6whsr2vq",
    "asset": "usd",
    "network": "ach",
    "displayName": "••••1234",
    "payoutOrigin": {
      "type": "bank",
      "id": null
    }
  },
  "pricing": {
    "source": {
      "asset": "usdc",
      "amountGross": "100.00",
      "amountNet": "100.00",
      "feesDeducted": {
        "total": "0.00",
        "developer": "0.00",
        "oms": "0.00",
        "gas": "0.00"
      }
    },
    "destination": {
      "asset": "usd",
      "amountGross": "100.00",
      "amountNet": "100.00",
      "feesDeducted": {
        "total": "0.00",
        "developer": "0.00",
        "oms": "0.00",
        "gas": "0.00"
      }
    },
    "pair": "usdc/usd",
    "exchangeRate": "1.0000",
    "effectiveRate": "1.0000",
    "fixedAmountSide": "source",
    "sponsorGas": true,
    "sponsorGasCost": "0.00"
  },
  "expiresAt": "2026-03-14T19:15:00Z",
  "createdAt": "2026-03-14T19:00:00Z"
}

Quotes

Create a payment quote

Creates a payment quote with a locked exchange rate and fee breakdown for a prospective transfer. Quotes expire after a short window; reference the returned quote ID when executing the transaction. Pass an Idempotency-Key header to safely retry.

A disallowed source→destination instrument pair is rejected with 422 unsupportedInstrumentCombination before any quote is created; the error body carries a details object of { source, destination, supportedDestinations }. (Not modeled as a typed error arm here so the other 422 codes on this operation keep their shape.)

POST

quotes

curl --request POST \
  --url https://sandbox-api.polygon.technology/v0.12/quotes \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "customerId": "cst_vfa0nxw6zvyws9g237jrxn4y7k",
  "source": {
    "type": "walletCrypto",
    "details": {
      "id": "wlt_5h4jzzpr9xre3bamd9ca7qyghn",
      "asset": "usdc",
      "network": "polygon"
    },
    "amount": "100.00"
  },
  "destination": {
    "type": "bankUs",
    "details": {
      "id": "ext_fky491gakzj0dd46qb6whsr2vq",
      "asset": "usd",
      "network": "ach",
      "accountHolder": "customer"
    }
  },
  "sponsorGas": true,
  "metadata": {
    "orderId": "order_12345"
  }
}
'

import requests

url = "https://sandbox-api.polygon.technology/v0.12/quotes"

payload = {
    "customerId": "cst_vfa0nxw6zvyws9g237jrxn4y7k",
    "source": {
        "type": "walletCrypto",
        "details": {
            "id": "wlt_5h4jzzpr9xre3bamd9ca7qyghn",
            "asset": "usdc",
            "network": "polygon"
        },
        "amount": "100.00"
    },
    "destination": {
        "type": "bankUs",
        "details": {
            "id": "ext_fky491gakzj0dd46qb6whsr2vq",
            "asset": "usd",
            "network": "ach",
            "accountHolder": "customer"
        }
    },
    "sponsorGas": True,
    "metadata": { "orderId": "order_12345" }
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    customerId: 'cst_vfa0nxw6zvyws9g237jrxn4y7k',
    source: {
      type: 'walletCrypto',
      details: {id: 'wlt_5h4jzzpr9xre3bamd9ca7qyghn', asset: 'usdc', network: 'polygon'},
      amount: '100.00'
    },
    destination: {
      type: 'bankUs',
      details: {
        id: 'ext_fky491gakzj0dd46qb6whsr2vq',
        asset: 'usd',
        network: 'ach',
        accountHolder: 'customer'
      }
    },
    sponsorGas: true,
    metadata: {orderId: 'order_12345'}
  })
};

fetch('https://sandbox-api.polygon.technology/v0.12/quotes', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://sandbox-api.polygon.technology/v0.12/quotes",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'customerId' => 'cst_vfa0nxw6zvyws9g237jrxn4y7k',
    'source' => [
        'type' => 'walletCrypto',
        'details' => [
                'id' => 'wlt_5h4jzzpr9xre3bamd9ca7qyghn',
                'asset' => 'usdc',
                'network' => 'polygon'
        ],
        'amount' => '100.00'
    ],
    'destination' => [
        'type' => 'bankUs',
        'details' => [
                'id' => 'ext_fky491gakzj0dd46qb6whsr2vq',
                'asset' => 'usd',
                'network' => 'ach',
                'accountHolder' => 'customer'
        ]
    ],
    'sponsorGas' => true,
    'metadata' => [
        'orderId' => 'order_12345'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "Idempotency-Key: <idempotency-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://sandbox-api.polygon.technology/v0.12/quotes"

	payload := strings.NewReader("{\n  \"customerId\": \"cst_vfa0nxw6zvyws9g237jrxn4y7k\",\n  \"source\": {\n    \"type\": \"walletCrypto\",\n    \"details\": {\n      \"id\": \"wlt_5h4jzzpr9xre3bamd9ca7qyghn\",\n      \"asset\": \"usdc\",\n      \"network\": \"polygon\"\n    },\n    \"amount\": \"100.00\"\n  },\n  \"destination\": {\n    \"type\": \"bankUs\",\n    \"details\": {\n      \"id\": \"ext_fky491gakzj0dd46qb6whsr2vq\",\n      \"asset\": \"usd\",\n      \"network\": \"ach\",\n      \"accountHolder\": \"customer\"\n    }\n  },\n  \"sponsorGas\": true,\n  \"metadata\": {\n    \"orderId\": \"order_12345\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Idempotency-Key", "<idempotency-key>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://sandbox-api.polygon.technology/v0.12/quotes")
  .header("Idempotency-Key", "<idempotency-key>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"customerId\": \"cst_vfa0nxw6zvyws9g237jrxn4y7k\",\n  \"source\": {\n    \"type\": \"walletCrypto\",\n    \"details\": {\n      \"id\": \"wlt_5h4jzzpr9xre3bamd9ca7qyghn\",\n      \"asset\": \"usdc\",\n      \"network\": \"polygon\"\n    },\n    \"amount\": \"100.00\"\n  },\n  \"destination\": {\n    \"type\": \"bankUs\",\n    \"details\": {\n      \"id\": \"ext_fky491gakzj0dd46qb6whsr2vq\",\n      \"asset\": \"usd\",\n      \"network\": \"ach\",\n      \"accountHolder\": \"customer\"\n    }\n  },\n  \"sponsorGas\": true,\n  \"metadata\": {\n    \"orderId\": \"order_12345\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://sandbox-api.polygon.technology/v0.12/quotes")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Idempotency-Key"] = '<idempotency-key>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"customerId\": \"cst_vfa0nxw6zvyws9g237jrxn4y7k\",\n  \"source\": {\n    \"type\": \"walletCrypto\",\n    \"details\": {\n      \"id\": \"wlt_5h4jzzpr9xre3bamd9ca7qyghn\",\n      \"asset\": \"usdc\",\n      \"network\": \"polygon\"\n    },\n    \"amount\": \"100.00\"\n  },\n  \"destination\": {\n    \"type\": \"bankUs\",\n    \"details\": {\n      \"id\": \"ext_fky491gakzj0dd46qb6whsr2vq\",\n      \"asset\": \"usd\",\n      \"network\": \"ach\",\n      \"accountHolder\": \"customer\"\n    }\n  },\n  \"sponsorGas\": true,\n  \"metadata\": {\n    \"orderId\": \"order_12345\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "qt_0gq9aesz4wb5etdv88z1j61qcm",
  "object": "quote",
  "status": "open",
  "sourceToDestination": "cryptoToFiatAccount",
  "customerId": "cst_vfa0nxw6zvyws9g237jrxn4y7k",
  "source": {
    "party": {
      "relationship": "customer",
      "id": "cst_vfa0nxw6zvyws9g237jrxn4y7k",
      "name": "Jane Smith"
    },
    "type": "walletCrypto",
    "category": "crypto",
    "id": "wlt_5h4jzzpr9xre3bamd9ca7qyghn",
    "asset": "usdc",
    "network": "polygon",
    "displayName": "0x7B3A9F2C4D1eA8bf6390cE5D2b7fA104c8e3D9B1"
  },
  "destination": {
    "party": {
      "relationship": "externalRegistered",
      "id": "ctp_yp5z8m7n22svc0vh6edqgcfdat",
      "name": "Alice Smith"
    },
    "type": "bankUs",
    "category": "fiatAccount",
    "id": "ext_fky491gakzj0dd46qb6whsr2vq",
    "asset": "usd",
    "network": "ach",
    "displayName": "••••1234",
    "payoutOrigin": {
      "type": "bank",
      "id": null
    }
  },
  "pricing": {
    "source": {
      "asset": "usdc",
      "amountGross": "100.00",
      "amountNet": "100.00",
      "feesDeducted": {
        "total": "0.00",
        "developer": "0.00",
        "oms": "0.00",
        "gas": "0.00"
      }
    },
    "destination": {
      "asset": "usd",
      "amountGross": "100.00",
      "amountNet": "100.00",
      "feesDeducted": {
        "total": "0.00",
        "developer": "0.00",
        "oms": "0.00",
        "gas": "0.00"
      }
    },
    "pair": "usdc/usd",
    "exchangeRate": "1.0000",
    "effectiveRate": "1.0000",
    "fixedAmountSide": "source",
    "sponsorGas": true,
    "sponsorGasCost": "0.00"
  },
  "expiresAt": "2026-03-14T19:15:00Z",
  "createdAt": "2026-03-14T19:00:00Z"
}

Authorizations

Authorization

string

header

required

Token from POST /auth/token

Headers

Idempotency-Key

string

required

Required on POST and PUT requests. Use a unique value per logical mutation attempt, for example a UUID.

Body

application/json

Request body for creating a quote. Pick a type on each side and set the amount on exactly one side; OMS calculates the other.

customerId

string

required

The customer this quote is for (cst_ prefix).

source

OMS wallet · object

required

What funds the transaction. Pick a type: an OMS crypto wallet (walletCrypto) or a registered card (card, pull-from-card).

OMS wallet
Fiat wallet
Card

Hide child attributes

source.type

enum<string>

required

Type discriminator.

Available options:

walletCrypto

source.details

object

required

Hide child attributes

source.details.id

string

required

OMS wallet ID (wlt_ prefix).

source.details.asset

string

required

Crypto asset. One of: usdc, usdt.

source.details.network

enum<string>

required

Network identifier.

Available options:

ethereum,

polygon,

base,

solana

source.amount

string

Wire-safe decimal string for financial float values (USD amounts, percentages).

destination

OMS wallet · object

required

The instrument that receives the funds. Pick a type: a wallet (walletCrypto / walletExternal), a bank account (bankUs / bankIban / bankCanada), a card, or cash.

Hide child attributes

destination.type

enum<string>

required

Type discriminator.

Available options:

walletCrypto

destination.details

object

required

Hide child attributes

destination.details.id

string

required

OMS wallet ID (wlt_ prefix).

destination.details.asset

string

required

Crypto asset. One of: usdc, usdt.

destination.details.network

enum<string>

required

Network identifier.

Available options:

ethereum,

polygon,

base,

solana

destination.amount

string

Wire-safe decimal string for financial float values (USD amounts, percentages).

When true, OMS absorbs the on-chain gas cost for the destination delivery. Only true is currently supported. Ignored for non-crypto destinations (no on-chain leg).

settlementType

enum<string>

Card rail only: INTERNAL (Coinme custodies the crypto) or EXTERNAL (on-chain wallet). Defaults: card buy -> external, card sell -> internal. Ignored for non-card rails.

Available options:

internal,

external

metadata

object

Free-form key-value pairs stored on the quote and copied to the resulting transaction.

Hide child attributes

metadata.{key}

string

Response

201 - application/json

The request has succeeded and a new resource has been created as a result.

A price quote for moving money between two instruments. It locks an exchange rate and the amounts for a short window; execute it by creating a transaction that references this quote's id.

string

required

Quote ID (qt_ prefix).

Pattern: ^[a-z]+_([0-9a-hjkmnp-tv-z]{26}|[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12})$

object

enum<string>

required

Resource type discriminator. Always "quote".

Available options:

quote

status

enum<string>

required

Current status of the quote.

Available options:

open,

accepted,

expired

customerId

string

required

The OMS customer that owns this record (cst_ prefix).

Pattern: ^[a-z]+_([0-9a-hjkmnp-tv-z]{26}|[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12})$

source

OMS wallet · object

required

The funding side, echoed from the request with resolved instrument detail.

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source.type

enum<string>

required

Type discriminator.

Available options:

walletCrypto

source.category

enum<string>

required

High-level grouping: fiatAccount for bank or card accounts, crypto for wallets.

Available options:

crypto

source.id

string | null

required

OMS wallet ID (wlt_ prefix).

DEVIATION from the ratified OMS v0.12 contract (docs/specs/2026-08-05-oms-v0.12-openapi.yaml, WalletCryptoInstrument): the ratified shape has id required and non-nullable. A row can classify as this arm (destination_type=walletCrypto/legacy walletOms, per #2528) before the wallet FK has actually resolved — the "in-flight deposit" window destInstrumentKind's own doc comment describes — so id is nullable rather than emitting an empty string that fails the typeId scalar's pattern. Not recorded in the upstream snapshot's §4 errata (that section is for defects IN the ratified snapshot, not BPN's own accepted deviations from it) — flagged here and in the PR description instead, same class as the CardInstrument.id/WalletFiatInstrument.id/ BankUsInstrument.network deviations elsewhere in this same change.

Pattern: ^[a-z]+_([0-9a-hjkmnp-tv-z]{26}|[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12})$

source.asset

string

required

Canonical asset identifier.

source.network

string

required

Network identifier.

source.displayName

string

required

Opaque, render-only summary for list/detail display. Never a full account number/IBAN/PAN.

source.party

object

Structured identity of who is on this side.

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source.party.relationship

enum<string>

required

Which kind of party this is.

Available options:

customer,

otherCustomer,

externalRegistered,

externalUnregistered

source.party.id

string | null

required

cst_ for customer/otherCustomer; ctp_ for externalRegistered; null for externalUnregistered.

Pattern: ^[a-z]+_([0-9a-hjkmnp-tv-z]{26}|[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12})$

source.party.name

string | null

required

Display name. Null only when genuinely unknown (an unattributed external sender).

source.memo

string

Free-text message travelling with the transfer on this side's rail.

destination

OMS wallet · object

required

The receiving side, echoed from the request with resolved instrument detail.

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destination.type

enum<string>

required

Type discriminator.

Available options:

walletCrypto

destination.category

enum<string>

required

High-level grouping: fiatAccount for bank or card accounts, crypto for wallets.

Available options:

crypto

destination.id

string | null

required

OMS wallet ID (wlt_ prefix).

Pattern: ^[a-z]+_([0-9a-hjkmnp-tv-z]{26}|[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12})$

destination.asset

string

required

Canonical asset identifier.

destination.network

string

required

Network identifier.

destination.displayName

string

required

Opaque, render-only summary for list/detail display. Never a full account number/IBAN/PAN.

destination.party

object

Structured identity of who is on this side.

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destination.party.relationship

enum<string>

required

Which kind of party this is.

Available options:

customer,

otherCustomer,

externalRegistered,

externalUnregistered

destination.party.id

string | null

required

cst_ for customer/otherCustomer; ctp_ for externalRegistered; null for externalUnregistered.

Pattern: ^[a-z]+_([0-9a-hjkmnp-tv-z]{26}|[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12})$

destination.party.name

string | null

required

Display name. Null only when genuinely unknown (an unattributed external sender).

destination.memo

string

Free-text message travelling with the transfer on this side's rail.

destination.payoutOrigin

object

Where last-mile delivery is sent from, as a uniform {type, id} reference — response-only. id is the Virtual Account (va_) or OMS wallet (wlt_) funding the leg; null before execution (Quote / Deposit Address echo the choice only) or when the origin has no partner-visible resource. Rail identifiers for the last-mile transfer live in the top-level tracking array with leg: destination — not here.

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destination.payoutOrigin.type

enum<string>

required

Available options:

bank,

blockchain

destination.payoutOrigin.id

string | null

required

Public TypeID, e.g. txn_01h455vb4pex5vsknk084sn02q; legacy UUID suffixes are accepted until non-v7 rows are retired.

Pattern: ^[a-z]+_([0-9a-hjkmnp-tv-z]{26}|[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12})$

destination.companyDiscretionaryData

string

Echo of the ACH companyDiscretionaryData supplied on the originating request. Null/absent on non-ACH destinations or when not supplied.

pricing

object

required

Consolidated economics.

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pricing.source

object

Economics for the source side, denominated in the source asset.

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pricing.source.asset

string

Currency these amounts are in. Same as the side's instrument asset, repeated here so pricing is self-contained.

pricing.source.amountGross

string

Amount on this side before fees are applied.

pricing.source.amountNet

string

Amount after fees: what is actually pulled from a source, or delivered to a destination.

pricing.source.feesDeducted

object

Itemized fees deducted on this side.

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pricing.source.feesDeducted.total

string

required

pricing.source.feesDeducted.developer

string

required

Per-side aggregated developer fee total in this side's asset. Always "0" in alpha - alpha invariant, mirrors the gas line.

pricing.source.feesDeducted.oms

string

required

pricing.source.feesDeducted.gas

string

required

pricing.destination

object

Economics for the destination side, denominated in the destination asset.

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pricing.destination.asset

string

Currency these amounts are in. Same as the side's instrument asset, repeated here so pricing is self-contained.

pricing.destination.amountGross

string

Amount on this side before fees are applied.

pricing.destination.amountNet

string

Amount after fees: what is actually pulled from a source, or delivered to a destination.

pricing.destination.feesDeducted

object

Itemized fees deducted on this side.

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pricing.destination.feesDeducted.total

string

required

pricing.destination.feesDeducted.developer

string

required

Per-side aggregated developer fee total in this side's asset. Always "0" in alpha - alpha invariant, mirrors the gas line.

pricing.destination.feesDeducted.oms

string

required

pricing.destination.feesDeducted.gas

string

required

pricing.pair

string

Asset pair, e.g. "usdc/usd".

pricing.exchangeRate

string

Mid-market rate between source and destination assets. Identity: source.amountNet × exchangeRate = destination.amountGross.

pricing.effectiveRate

string

All-in rate including all fees. Identity: source.amountGross × effectiveRate = destination.amountNet.

pricing.fixedAmountSide

enum<string>

The side you set amount on when creating the quote. OMS calculated the other side.

Available options:

source,

destination

When true, OMS absorbs the destination gas cost. Currently always true.

Gas absorbed by the developer when sponsorGas is true. Currently always 0.00.

sourceToDestination

enum<string>

Corridor composite derived from the two sides.

Available options:

cryptoToCrypto,

cryptoToCash,

cryptoToFiatAccount,

cashToCrypto,

fiatAccountToCrypto,

fiatAccountToFiatAccount

expiresAt

string<date-time>

When the locked pricing expires.

createdAt

string<date-time>

When the quote was created.

metadata

object

Free-form key-value pairs supplied at creation or update.

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metadata.{key}

string

⌘I

Overview

Move money

Routes

External Payment Methods

Platform

Create a payment quote

Authorizations

Headers

Body

Response