> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spendin.app/llms.txt
> Use this file to discover all available pages before exploring further.

# Accept a quote

> Optional. Payout creation locks its own rate at instruction generation, so a quote never has to be accepted to be useful.



## OpenAPI

````yaml /openapi.json post /v1/rates/quotes/{id}/accept
openapi: 3.0.0
info:
  title: Spendin Merchant API
  description: Cross-border remittance and financial services API
  version: '1.0'
  contact: {}
servers:
  - url: https://api.spendin.app
    description: Production
security:
  - api-key: []
tags: []
paths:
  /v1/rates/quotes/{id}/accept:
    post:
      tags:
        - rates
      summary: Accept a quote
      description: >-
        Optional. Payout creation locks its own rate at instruction generation,
        so a quote never has to be accepted to be useful.
      operationId: RatesController_acceptQuote
      parameters:
        - name: id
          required: true
          in: path
          schema:
            format: uuid
            type: string
        - name: Idempotency-Key
          in: header
          required: true
          description: >-
            Unique idempotency token per logical write (UUID v4). Re-send the
            same value on safe retries.
          schema:
            type: string
            format: uuid
            example: a1b2c3d4-e5f6-47a8-b9c0-d1e2f3a4b5c6
      responses:
        '200':
          description: Quote accepted
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/QuoteResponseDto'
        '409':
          description: Quote not acceptable in its current status
        '422':
          description: Quote expired
      security:
        - api-key: []
components:
  schemas:
    QuoteResponseDto:
      type: object
      properties:
        id:
          type: string
          example: b7e2f1a0-...
        rail:
          type: string
          enum:
            - CRYPTO
            - BANK_TRANSFER
          example: CRYPTO
        exchange_rate:
          type: number
          example: 12.2265
          description: Destination per 1 settlement unit (after spread)
        spread:
          type: number
          example: 0.1235
        destination_amount:
          type: number
          example: 500
        destination_currency:
          type: string
          example: GHS
        settlement_amount:
          type: number
          example: 42.32
          description: What the merchant must send (conversion + fees)
        settlement_currency:
          type: string
          example: USDT
        platform_fee_amount:
          type: number
          example: 0.41
        platform_fee_currency:
          type: string
          example: USDT
        network_fee_amount:
          type: number
          example: 1
        network_fee_currency:
          type: string
          example: USDT
        total_fee_amount:
          type: number
          example: 1.41
        total_fee_currency:
          type: string
          example: USDT
        provider:
          type: string
          example: indicative
        status:
          type: string
          enum:
            - PENDING
            - ACCEPTED
            - USED
            - EXPIRED
          example: PENDING
        expires_at:
          type: string
          example: '2026-07-20T09:41:30.000Z'
        created_at:
          type: string
          example: '2026-07-20T09:41:00.000Z'
      required:
        - id
        - rail
        - exchange_rate
        - spread
        - destination_amount
        - destination_currency
        - settlement_amount
        - settlement_currency
        - platform_fee_amount
        - platform_fee_currency
        - network_fee_amount
        - network_fee_currency
        - total_fee_amount
        - total_fee_currency
        - provider
        - status
        - expires_at
        - created_at
  securitySchemes:
    api-key:
      type: apiKey
      in: header
      name: X-API-Key

````