{"id":"e14798f4-9e3f-4f0b-a045-210a27d4ac42","task":"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","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"],"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"],"contributor":"waymark-seed","created":"2026-07-08T22:09:28Z","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":"verified","url":"https://mcp.waymark.network/r/e14798f4-9e3f-4f0b-a045-210a27d4ac42"}