Execute a quote
Execute a quote by its ID. This endpoint initiates the transfer between the source and destination accounts.
This endpoint can only be used for quotes with a source which is either an internal account,
or has direct pull functionality (e.g. ACH pull with an external account).
When the quote’s source is an internal account of type EMBEDDED_WALLET,
the request must include a Grid-Wallet-Signature header. The header value
is the full Grid wallet signature built over the payloadToSign value from
the quote’s paymentInstructions[].accountOrWalletInfo entry with the
session private key of a verified authentication credential on the source
Embedded Wallet.
Once executed, the quote cannot be cancelled and the transfer will be processed.
Authorizations
API token authentication using format <api token id>:<api client secret>
Headers
A unique identifier for the request. If the same key is sent multiple times, the server will return the same response as the first request.
"<uuid>"
Full Grid wallet signature over the payloadToSign returned in the quote's paymentInstructions[].accountOrWalletInfo entry, produced with the session private key of a verified authentication credential on the source Embedded Wallet. Required when the quote's source is an internal account of type EMBEDDED_WALLET; ignored for other source types.
Path Parameters
The unique identifier of the quote to execute
Body
Optional body for executing a quote. Only needed to request a specific Strong Customer Authentication factor (scaFactor) for the challenge this call issues; omit the body entirely otherwise.
Optional preferred factor for the Strong Customer Authentication challenge this call issues. Only relevant for customers in a region where SCA is required (e.g. EU); ignored otherwise. Valid values for a per-transaction challenge are SMS_OTP (default) and PASSKEY — TOTP cannot carry the required dynamic linking and is rejected here. Omit to default to SMS_OTP.
SMS_OTP, TOTP, PASSKEY Response
Quote processed. The outcome depends on whether SCA applies to the customer (currently EU customers):
-
No SCA required: the transfer is initiated and the quote status advances (
PROCESSING/COMPLETED). -
SCA required: the transfer is not initiated yet. The quote is returned with status
PENDING_AUTHORIZATIONand anscaChallenge; release the transfer by authorizing the quote you already hold —POST /quotes/{quoteId}/authorize(re-callingexecutereturns 409). A pre-funded send is a single challenge, so one authorization releases it. The challenge (and its SMS code / passkey assertion) only comes into existence once this call initiates the transfer, so the proof is always supplied on the follow-up authorize, never inline on this call. If an SMS code lapses, re-send it viaPOST /quotes/{quoteId}/authorize/resend.
Unique identifier for this quote
"Quote:019542f5-b3e7-1d02-0000-000000000006"
Current status of the quote. PENDING_AUTHORIZATION occurs only for customers in a region where Strong Customer Authentication is required (e.g. EU): the quote carries an scaChallenge that must be authorized before execution, and for realtime-funding sources paymentInstructions are withheld until it is satisfied.
PENDING, PENDING_AUTHORIZATION, PROCESSING, COMPLETED, FAILED, EXPIRED "PENDING"
When this quote was created
"2025-10-03T12:00:00Z"
Absolute UTC timestamp when the rate locked in this quote becomes invalid and the quote can no longer be executed. The window depends on the rail and corridor: instant rails (Lightning, Spark, USDC on Solana/Base/Polygon, RTP, SEPA Instant) typically expire in 1–5 minutes; corridors with longer settlement guarantees may have longer windows. Always rely on this timestamp rather than assuming a fixed window.
"2025-10-03T12:05:00Z"
Source account details
- Account
- Real-time Funding
Destination account details
- Account
- UMA Address
Currency for the sending amount
Currency for the receiving amount
The total amount that will be sent in the smallest unit of the sending currency (eg. cents).
123010
The total amount that will be received in the smallest unit of the receiving currency (eg. cents).
1000
Number of sending currency units per receiving currency unit.
The fees associated with the quote in the smallest unit of the sending currency (eg. cents). Note: this value may fluctuate between quotes — some underlying fee components are defined in the receiving currency, so their equivalent in the sending currency moves with the FX rate. The fees shown here are locked only for the lifetime of this quote.
x >= 010
The ID of the transaction created from this quote.
"Transaction:019542f5-b3e7-1d02-0000-000000000005"
Payment instructions for executing the payment. This is not required when using an internal account source.
Free-form information about the payment that travels with it to the recipient, as provided on the quote request. The field this populates depends on the payment rail: for ACH it populates the Addenda record, for FedNow and RTP it populates the remittanceInformation field, and for wires it populates the OBI (Originator to Beneficiary Information) / beneficiary information.
80"12345"
Additional information about the counterparty, if available and required by the platform in their configuration.
Details about the rate and fees for the transaction.
Present only while status is PENDING_AUTHORIZATION: the Strong Customer Authentication challenge to satisfy before this quote can be executed (or, for realtime-funding sources, before paymentInstructions are issued). Omitted for customers outside SCA-regulated regions (non-EU).