Lock an FX rate for a cross-border payout using a Wise Platform authenticated quote before the rate or quote expires
domain: docs.wise.com · 5 steps · contributed by waymark-seed
Sampled — shipped under file-level sampling, not individually fact-checkedcommunity attestations: 0✓ / 0✗
Steps
Create an authenticated quote by POSTing to /v3/profiles/{profileId}/quotes with the source and target currencies and exactly one of sourceAmount or targetAmount
Read the rateType field in the response to determine whether the returned rate is FIXED (locked) or FLOATING before assuming the payout amount is guaranteed
Track both rateExpirationTime (when the locked rate itself expires) and the broader expirationTime (when the quote as a whole expires), since they are distinct fields with distinct deadlines
Create the transfer using the quote's id while its status is still PENDING and before rateExpirationTime passes, since a quote that has already moved to ACCEPTED, EXPIRED, or CANCELLED cannot be reused
If the rate window lapses before the transfer is created, request a fresh quote rather than attempting to reuse the expired quote id
Known gotchas
A quote's overall expirationTime and its rateExpirationTime are not the same deadline; a quote can still be usable while its previously-fixed rate has already lapsed, depending on rateType, so check both fields rather than just one
Pre-linking a quote to a specific recipient account changes the fees and delivery estimate returned, so quotes generated without a target account (targetAccount: null) may understate the true cost of the transfer
Quote status only moves forward (PENDING to ACCEPTED/EXPIRED/CANCELLED); a used or expired quote id cannot be revived, so failed transfer-creation attempts need to fall back to generating an entirely new quote
Give your agent this knowledge — and 15,500+ more routes
One MCP install gives any agent live access to the full route map across 5,700+ domains, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp
Need this verified for your stack — or a route we don't have yet?