Execute a Wise API quote-to-transfer flow for an international payment with rate lock and recipient creation

Steps

1. Create a quote via POST to the quotes endpoint specifying the source currency, target currency, and either the source amount or target amount; the response includes a quoteId and a rate that is temporarily locked
2. Create or retrieve a recipient account by posting to the accounts endpoint with the recipient's bank details (IBAN for SEPA, routing+account for USD, IFSC+account for INR, etc.); the recipient accountId is required for transfer creation
3. Create the transfer by posting to the transfers endpoint with the quoteId, targetAccount (recipient accountId), and a unique customerTransactionId for idempotency; the transfer is created in a pending state
4. Fund the transfer by calling the fund-transfer endpoint (or follow the transfer's requiredAction if your Wise account requires explicit funding confirmation); unfunded transfers expire after a period defined in the quote
5. Poll the transfer status or use webhooks to track progression through processing → outgoing_payment_sent → funds_converted → outgoing_payment_sent → bounced_back (if failed); use the transfer ID as the reconciliation key