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Every transaction that involves a currency conversion or a fiat rail requires a quote. A quote locks the exchange rate and fee structure for a short window, giving you a guaranteed price before committing to execution.

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Quote lifecycle

POST /quotes  →  open
                   └── POST /transactions  →  accepted
                   └── (time passes)       →  expired
StatusMeaning
openRate locked. Awaiting transaction creation.
acceptedA transaction has been created from this quote.
expiredPricing window closed. Create a new quote.

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What a quote contains

A quote response includes:
  • source: the source instrument (a typed side identifying the wallet, bank account, or card being pulled from)
  • destination: the destination instrument (typed the same way, identifying where funds are delivered)
  • pricing: consolidated economics for both sides, the rate pair, and gas sponsorship (see below)
  • sourceToDestination: a composite corridor tag such as cryptoToCrypto, cryptoToCash, cryptoToFiatAccount, cashToCrypto, or fiatAccountToCrypto
  • expiresAt: when the rate lock expires

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Fee structure

Economics live in a single top-level pricing object. Each side under pricing.source and pricing.destination carries the same shape: 
{
  "pricing": {
    "source": {
      "asset": "usd",
      "amountGross": "100.00",
      "amountNet": "99.42",
      "feesDeducted": {
        "total": "0.58",
        "developer": "0.20",
        "oms": "0.35",
        "gas": "0.03"
      }
    },
    "destination": { "asset": "usdc" },
    "pair": "usd/usdc",
    "exchangeRate": "1.0",
    "effectiveRate": "0.9942",
    "fixedAmountSide": "source",
    "sponsorGas": false,
    "sponsorGasCost": "0"
  }
}
The core equation: pricing.source.amountNet × pricing.exchangeRate = pricing.destination.amountGross. Developer fees are configurable per integration. Set them on your OMS account or pass them in the quote request. OMS never shows your fee margin to the end user.

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Gas sponsorship

Set sponsorGas: true on the quote request to cover network gas for your users. Gas costs move out of the transaction fee breakdown and into pricing.sponsorGasCost on your account, a separate, out-of-band developer cost. This is the standard pattern for custodial wallets where users should not be aware of blockchain mechanics.

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Fixed-amount quoting

You can fix either side via pricing.fixedAmountSide:
  • pricing.fixedAmountSide: "source": user sends an exact amount, destination is calculated
  • pricing.fixedAmountSide: "destination": user receives an exact amount, source is calculated
This maps cleanly to common UX patterns: “I want to send $100” vs. “I want my recipient to receive exactly $100.”

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When quotes are not required

Auto-created transactions from deposit addresses, virtual accounts, and cash-ins skip the quote step. OMS uses live pricing at the moment funds arrive. The same fee structure applies, but pricing is not locked in advance.