Create a quote

curl --request POST \
  --url https://api.spendin.app/v1/rates/quotes \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "settlement_currency": "USDT",
  "destination_currency": "GHS",
  "destination_amount": 500
}
'

import requests

url = "https://api.spendin.app/v1/rates/quotes"

payload = {
    "settlement_currency": "USDT",
    "destination_currency": "GHS",
    "destination_amount": 500
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "X-API-Key": "<api-key>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    'X-API-Key': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    settlement_currency: 'USDT',
    destination_currency: 'GHS',
    destination_amount: 500
  })
};

fetch('https://api.spendin.app/v1/rates/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://api.spendin.app/v1/rates/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([
    'settlement_currency' => 'USDT',
    'destination_currency' => 'GHS',
    'destination_amount' => 500
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "Idempotency-Key: <idempotency-key>",
    "X-API-Key: <api-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://api.spendin.app/v1/rates/quotes"

	payload := strings.NewReader("{\n  \"settlement_currency\": \"USDT\",\n  \"destination_currency\": \"GHS\",\n  \"destination_amount\": 500\n}")

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

	req.Header.Add("Idempotency-Key", "<idempotency-key>")
	req.Header.Add("X-API-Key", "<api-key>")
	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://api.spendin.app/v1/rates/quotes")
  .header("Idempotency-Key", "<idempotency-key>")
  .header("X-API-Key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"settlement_currency\": \"USDT\",\n  \"destination_currency\": \"GHS\",\n  \"destination_amount\": 500\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.spendin.app/v1/rates/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["X-API-Key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"settlement_currency\": \"USDT\",\n  \"destination_currency\": \"GHS\",\n  \"destination_amount\": 500\n}"

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

{
  "id": "b7e2f1a0-...",
  "rail": "CRYPTO",
  "exchange_rate": 12.2265,
  "spread": 0.1235,
  "destination_amount": 500,
  "destination_currency": "GHS",
  "settlement_amount": 42.32,
  "settlement_currency": "USDT",
  "platform_fee_amount": 0.41,
  "platform_fee_currency": "USDT",
  "network_fee_amount": 1,
  "network_fee_currency": "USDT",
  "total_fee_amount": 1.41,
  "total_fee_currency": "USDT",
  "provider": "indicative",
  "status": "PENDING",
  "expires_at": "2026-07-20T09:41:30.000Z",
  "created_at": "2026-07-20T09:41:00.000Z"
}

POST

rates

quotes

Create a quote

curl --request POST \
  --url https://api.spendin.app/v1/rates/quotes \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "settlement_currency": "USDT",
  "destination_currency": "GHS",
  "destination_amount": 500
}
'

import requests

url = "https://api.spendin.app/v1/rates/quotes"

payload = {
    "settlement_currency": "USDT",
    "destination_currency": "GHS",
    "destination_amount": 500
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "X-API-Key": "<api-key>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    'X-API-Key': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    settlement_currency: 'USDT',
    destination_currency: 'GHS',
    destination_amount: 500
  })
};

fetch('https://api.spendin.app/v1/rates/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://api.spendin.app/v1/rates/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([
    'settlement_currency' => 'USDT',
    'destination_currency' => 'GHS',
    'destination_amount' => 500
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "Idempotency-Key: <idempotency-key>",
    "X-API-Key: <api-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://api.spendin.app/v1/rates/quotes"

	payload := strings.NewReader("{\n  \"settlement_currency\": \"USDT\",\n  \"destination_currency\": \"GHS\",\n  \"destination_amount\": 500\n}")

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

	req.Header.Add("Idempotency-Key", "<idempotency-key>")
	req.Header.Add("X-API-Key", "<api-key>")
	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://api.spendin.app/v1/rates/quotes")
  .header("Idempotency-Key", "<idempotency-key>")
  .header("X-API-Key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"settlement_currency\": \"USDT\",\n  \"destination_currency\": \"GHS\",\n  \"destination_amount\": 500\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.spendin.app/v1/rates/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["X-API-Key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"settlement_currency\": \"USDT\",\n  \"destination_currency\": \"GHS\",\n  \"destination_amount\": 500\n}"

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

{
  "id": "b7e2f1a0-...",
  "rail": "CRYPTO",
  "exchange_rate": 12.2265,
  "spread": 0.1235,
  "destination_amount": 500,
  "destination_currency": "GHS",
  "settlement_amount": 42.32,
  "settlement_currency": "USDT",
  "platform_fee_amount": 0.41,
  "platform_fee_currency": "USDT",
  "network_fee_amount": 1,
  "network_fee_currency": "USDT",
  "total_fee_amount": 1.41,
  "total_fee_currency": "USDT",
  "provider": "indicative",
  "status": "PENDING",
  "expires_at": "2026-07-20T09:41:30.000Z",
  "created_at": "2026-07-20T09:41:00.000Z"
}

Authorizations

X-API-Key

string

header

required

Headers

Idempotency-Key

string<uuid>

required

Unique idempotency token per logical write (UUID v4). Re-send the same value on safe retries.

Example:

"a1b2c3d4-e5f6-47a8-b9c0-d1e2f3a4b5c6"

Body

application/json

settlement_currency

string

required

Currency the merchant will settle in (USDT or NGN)

Example:

"USDT"

destination_currency

string

required

Currency the beneficiary receives

Example:

"GHS"

destination_amount

number

required

Amount the beneficiary must receive

Example:

500

Response

Quote created

string

required

Example:

"b7e2f1a0-..."

rail

enum<string>

required

Available options:

CRYPTO,

BANK_TRANSFER

Example:

"CRYPTO"

exchange_rate

number

required

Destination per 1 settlement unit (after spread)

Example:

12.2265

spread

number

required

Example:

0.1235

destination_amount

number

required

Example:

500

destination_currency

string

required

Example:

"GHS"

settlement_amount

number

required

What the merchant must send (conversion + fees)

Example:

42.32

settlement_currency

string

required

Example:

"USDT"

platform_fee_amount

number

required

Example:

0.41

platform_fee_currency

string

required

Example:

"USDT"

network_fee_amount

number

required

Example:

1

network_fee_currency

string

required

Example:

"USDT"

total_fee_amount

number

required

Example:

1.41

total_fee_currency

string

required

Example:

"USDT"

provider

string

required

Example:

"indicative"

status

enum<string>

required

Available options:

PENDING,

ACCEPTED,

USED,

EXPIRED

Example:

"PENDING"

expires_at

string

required

Example:

"2026-07-20T09:41:30.000Z"

created_at

string

required

Example:

"2026-07-20T09:41:00.000Z"

⌘I

Overview

Endpoints

Create a quote

Authorizations

Headers

Body

Response