Quote-first transfer

The point of quoting first is that nobody is surprised afterwards. You know what the recipient will receive, in their currency, before any money moves, and you can show that figure to your own customer.

On Stables, a quote returns the route, the exchange rate and an itemised list of fees, and it is valid for 30 seconds. The quote also checks the amount against the limits for that currency and rail, so a payment that cannot be made fails at the quote instead of part-way through.

You then create the transfer with the quote's ID and follow its status by webhook until it completes.