> ## 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.

# Get an indicative rate

> Live, non-binding mid-market-derived rate for a corridor. Carries no commitment and excludes fees — create a quote for the amount actually payable.



## OpenAPI

````yaml /openapi.json get /v1/rates
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:
    get:
      tags:
        - rates
      summary: Get an indicative rate
      description: >-
        Live, non-binding mid-market-derived rate for a corridor. Carries no
        commitment and excludes fees — create a quote for the amount actually
        payable.
      operationId: RatesController_getIndicativeRate
      parameters:
        - name: from
          required: true
          in: query
          description: Settlement currency (USDT or NGN)
          schema:
            type: string
            example: USDT
        - name: to
          required: true
          in: query
          description: Destination currency
          schema:
            type: string
            example: GHS
      responses:
        '200':
          description: Indicative rate
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/IndicativeRateResponseDto'
        '422':
          description: Unsupported corridor
      security:
        - api-key: []
components:
  schemas:
    IndicativeRateResponseDto:
      type: object
      properties:
        settlement_currency:
          type: string
          example: USDT
        destination_currency:
          type: string
          example: GHS
        rate:
          type: number
          example: 12.2265
          description: Destination units per 1 settlement unit (after spread)
        mid_market_rate:
          type: number
          example: 12.35
          description: Mid-market rate before spread
        spread_percent:
          type: number
          example: 1
        rail:
          type: string
          enum:
            - CRYPTO
            - BANK_TRANSFER
          example: CRYPTO
        source:
          type: string
          example: indicative
        as_of:
          type: string
          example: '2026-07-20T09:41:00.000Z'
      required:
        - settlement_currency
        - destination_currency
        - rate
        - mid_market_rate
        - spread_percent
        - rail
        - source
        - as_of
  securitySchemes:
    api-key:
      type: apiKey
      in: header
      name: X-API-Key

````