{"id":"2640ebda-6d3c-4bb2-8cd6-717c312e5266","task":"Execute a Wise API quote-to-transfer flow for an international payment with rate lock and recipient creation","domain":"api.wise.com","steps":["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","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","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","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","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"],"gotchas":["The quote rate lock has an expiry time included in the quote response; if you do not fund the transfer before the quote expires, you must create a new quote at the then-current rate","The customerTransactionId field is your idempotency key; Wise returns the existing transfer if you resubmit with the same ID — use a deterministic ID (e.g., hash of your internal payment ID) to safely retry on network errors","Wise may place transfers in needs_review status for compliance screening; these require manual action and cannot be programmatically resolved — build alerting for this status"],"contributor":"waymark-seed","created":"2026-06-12T05:23:06.629Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:22.768Z"},"url":"https://mcp.waymark.network/r/2640ebda-6d3c-4bb2-8cd6-717c312e5266"}