> ## Documentation Index > Fetch the complete documentation index at: https://docs.infinite.dev/llms.txt > Use this file to discover all available pages before exploring further. > ## Agent Instructions > If you are an AI assistant operating Infinite for a user, read the skill first: https://docs.infinite.dev/agent-skill.md (setup per host, tool reference, rules for moving money, journeys). > When operating Infinite for a user, use the MCP server. Sign in at https://bot.api.infinite.dev/mcp (production, acts as the user) or send `Authorization: Bearer ` to https://bot.api.infinite.dev/mcp/sse. Prefer its tools over raw HTTP; use REST only for steps no tool covers, and check `get_endpoint_schema` before guessing a request shape. > Net-new Infinite Connect (org_connect) is operator-assisted: do not grant end users shared org_connect Auth Kit membership or the shared platform org API key — those credentials are org-wide on /v1. BYO org keys onboard under that customer's org id. Operator sessions should show org_connect in get_organization_info. > The key decides the tools. Every organization key (`sk_sandbox_…` / `sk_live_…`) gets docs, onboarding, `get_account_balance`, and request logs for your own organization. BYO organizations add payees an agent will pay with `create_payee` (payable once ACTIVE). Platform Connect sessions instead get bound-customer payment lookups (`get_quote`, `get_transfer`, `list_transfers`, `list_account_balances`), payee drafts (`create_payee_draft` / `get_payee_draft`; screening only, never payable), and transfer drafts that wait for Infinite approval (`create_transfer_draft` / `get_transfer_draft`; never POST /v1/transfers). Where offered, platform `create_transfer` files a real transfer that Infinite holds in review before funding; it cannot be submitted from DRAFT. > An agent key (`sk_sandbox_agent_…` / `sk_live_agent_…`) moves money within that agent's limits: `create_transfer` → `submit_transfer` → `wait_for_transfer`. > On sandbox organization-key sessions, `sandbox_approve_customer` (makes the capabilities you pass READY, and related ones may turn READY too; `request_capabilities` is not needed), `sandbox_fund_account`, and `sandbox_complete_transfer` stand in for verification, funding, and settlement, so a whole flow runs from MCP. BYO keys can pass `customerId` on each call without binding; platform sessions must bind a customer first (`create_business_customer` auto-binds, or send `X-Infinite-On-Behalf-Of`). > When searching documentation without a key, use the docs MCP at https://docs.infinite.dev/mcp. > Start in sandbox (https://sandbox.api.infinite.dev). Do not use production unless the user explicitly asks. > Confirm amount, currency, and payee with the user before any payment is submitted. Pass the invoice number as `reference` on `create_transfer`; the summary says what the payee will see. > REST amounts are integer minor units (`"4000"` = 40.00 USD). MCP payment tools take exact decimal strings (`"40.00"`). Never mix them. > Agent denials return `403 { denial: { code, message, window, limit, used, remaining, attemptedAmount, currency }, hint }` with decimal amounts; per-transfer denials omit `used` and `remaining`. Report them to the user; do not work around them. # Quote a transfer intent > Creates a canonical transfer quote. Locked quotes include an opaque confirmation reference. ## OpenAPI ````yaml post /v1/transfers/quotes openapi: 3.0.0 info: title: Infinite API description: API for Infinite version: '1.0' contact: {} servers: - url: https://sandbox.api.infinite.dev description: Sandbox - url: https://api.infinite.dev description: Production security: [] tags: - name: Accounts description: Virtual and external account management - name: Customers description: Customer identity management - name: Documents description: Document upload and management - name: Fixed Routes description: Fixed route management - name: External Bank Accounts description: External bank account management - name: External Wallets description: External wallet management - name: Infinite Wallets description: Infinite Wallet management - name: Organizations description: Organization management - name: Quotes description: Quote creation and management - name: Transfers description: Money movement and transaction tracking - name: Verification description: Identity verification workflows - name: Terms of Service description: Terms of Service acceptance - name: Health description: System health and monitoring - name: Sandbox description: Sandbox utilities paths: /v1/transfers/quotes: post: tags: - Transfers summary: Quote a transfer intent description: >- Creates a canonical transfer quote. Locked quotes include an opaque confirmation reference. operationId: TransfersController_createIntentQuote_v1 parameters: - name: X-API-Key in: header description: API key required: false schema: type: string requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreateTransferIntentQuoteDto' responses: '201': description: Transfer intent quoted successfully. content: application/json: schema: $ref: '#/components/schemas/TransferIntentQuoteResponseDto' '401': description: Unauthorized - Invalid or missing authentication credentials security: - bearer: [] x-codeSamples: - lang: bash label: CLI source: >- # Requires: npm i -g @infinite_dev/cli && export INFINITE_API_KEY=sk_sandbox_... # Escape hatch for any endpoint: infinite api infinite api POST /v1/transfers/quotes \ --body '' - lang: text label: MCP source: >- Quote a transfer intent. # Infinite MCP is read-only for this endpoint — use a dedicated MCP tool when one exists, otherwise run the CLI tab. components: schemas: CreateTransferIntentQuoteDto: type: object properties: clientReferenceId: type: string description: Client's internal reference ID (e.g., order ID, transaction ID) example: order_abc123 maxLength: 256 onBehalfOf: type: string description: Primary customer ID (on whose behalf the transfer is made) example: cus_abc123 counterpartyId: type: string description: >- Counterparty ID for third-party recipient transfers. Omit for first-party transfers. example: cp_abc123 source: description: Source payment details allOf: - $ref: '#/components/schemas/TransferSourceDto' destination: description: Destination payment details allOf: - $ref: '#/components/schemas/TransferDestinationDto' remarks: type: string description: >- Free-form remarks or notes about the transfer (e.g., invoice discrepancy explanations) example: Partial payment - remaining balance to be paid next month maxLength: 1000 internalRemarks: type: string description: >- Internal remarks visible only within your organization. Never forwarded to payment rails (SWIFT, ACH, etc.) or counterparties. example: Approved by ops on 2026-04-15 maxLength: 1000 developerFeeFixed: type: number description: >- Fixed developer fee in minor units of source currency. Added on top of provider fees and deducted from the transfer amount. example: 100 developerFeePercent: type: number description: >- Developer fee as decimal percentage (e.g., 0.015 for 1.5%). Deducted from the transfer amount before sending to the destination. Maximum 0.1 (10%). example: 0.015 maximum: 0.1 documentIds: description: >- Supporting document IDs for the transfer. Required for third-party SWIFT payments (when the destination account is marked as third-party or the destination customer differs from the originating customer). example: - doc_abc123 - doc_def456 type: array items: type: string expiresAt: type: string description: >- Optional transfer expiration timestamp. If omitted, the transfer expires 7 days after creation when funded by a fiat pay-in (wire/ACH) and 48 hours after creation otherwise. example: '2026-12-31T23:59:59Z' format: date-time requiresAuthorization: type: boolean description: >- If true, this payment must be authorized before it is processed. Attach the supporting invoice via documentIds. The transfer parks in PENDING_AUTHORIZATION and does not move funds until it is approved. default: false amount: $ref: '#/components/schemas/TransferIntentAmountDto' paymentReason: type: string enum: - CAPITAL_CONTRIBUTIONS - CHARITABLE_CONTRIBUTIONS - CONSULTING_FEES - CORPORATE_TAX_PAYMENTS - DOWN_PAYMENTS_FOR_REAL_ESTATE - EDUCATION_FEES - EMPLOYEE_SALARIES_OR_WAGES - EXPENSES_REIMBURSEMENT - GIFTS - GOVERNMENT_GRANTS - INCOME_TAX_PAYMENTS - INHERITANCE_PAYMENTS - INSURANCE_CLAIM_PAYOUTS - INSURANCE_PREMIUM_PAYMENTS - INVESTMENTS - LOAN_ADVANCES - MORTGAGE_PAYMENTS - OTHER - PAYMENT_FOR_GOODS_AND_SERVICES - PERSONAL_TRANSFERS - REAL_ESTATE_PURCHASES - REMITTANCES - RENT - REPAYMENT_OF_LOANS - ROYALTIES - SELF - TRADE_SETTLEMENT - TRUST_FUND_DISTRIBUTIONS - UTILITY_BILLS - WELFARE_OR_BENEFITS - WINNINGS_AND_PRIZES description: Reason for the payment (compliance/AML). lock: type: boolean description: >- Persist a firm quote that can be confirmed. Preview quotes omit this. example: false required: - onBehalfOf - source - destination - amount - paymentReason TransferIntentQuoteResponseDto: type: object properties: confirmationReference: type: string description: >- Opaque reference used to confirm a locked quote. Omitted for indicative previews. example: quote_abc123 sourceAmount: $ref: '#/components/schemas/MoneyOutputDto' destinationAmount: $ref: '#/components/schemas/MoneyOutputDto' destinationPaymentRail: type: string description: >- Payout rail this quote will execute. A fixed route can end on a different rail than the one requested. example: SEPA exchangeRate: type: string description: All-in exchange rate. example: '0.99985' fees: $ref: '#/components/schemas/TransferIntentFeesDto' expiresAt: type: string description: When the quote expires. format: date-time supported: type: boolean description: Whether this intent can be confirmed. example: true estimate: description: Estimated transfer timing when available. allOf: - $ref: '#/components/schemas/RouteEstimateDto' lockable: type: boolean description: >- Whether a firm quote can be locked before confirm. Non-lockable corridors confirm from the intent body. example: true minimumAmount: description: Minimum amount for this route when known. allOf: - $ref: '#/components/schemas/MoneyOutputDto' required: - sourceAmount - destinationAmount - exchangeRate - fees - expiresAt - supported - lockable TransferSourceDto: type: object properties: accountId: type: string description: >- Source account ID. For Infinite Wallets: if TREASURY wallet, funds will be automatically transferred on submit. If TRANSACTION wallet, deposit instructions will be provided. example: inw_abc123 currency: type: string enum: - USD - EUR - MXN - USAT - USDC - USDT - DAI - ETH - BTC - EURC - USDB - PYUSD - USDP - USDS - CASH description: Source currency code example: USDC paymentRail: type: string description: >- Payment rail for the source funds. For crypto, specify the blockchain (ETHEREUM, BASE, ARBITRUM, POLYGON, SOLANA, TRON). For fiat, specify the banking network (ACH, WIRE, SEPA, SWIFT). Provider-backed bank balances may also use EREBOR, and on-us Erebor bank transfers use EREBOR_RAIL. enum: - ACH - ACH_SAME_DAY - WIRE - FED_NOW - RTP - EREBOR - EREBOR_RAIL - BALANCE - SWIFT - SEPA - SEPA_INSTANT - TIPS - FASTER_PAYMENTS - BACS - CHAPS - ELIXIR - NICS - EFT - INTERAC - NPP - BECS - UPI - IMPS - IMPS_WITH_FIRC - NEFT - RTGS - BI_FAST - ARTAJASA - PIX - TED - TEF - SPEI - COELSA - SINPE - CIPS - CFXPS - CHATS - ZENGIN - KFTC - FAST_SG - MEPS - DUITNOW - PROMPTPAY - INSTAPAY - PESONET - NAPAS - BEFTN - SLIPS - ZAHAV - GHIPSS - NIBSS - PESALINK - RTC_ZA - TZS_RTGS - EGP_ACH - JOD_ACH - NPSS - MADA - QPS - DOP_ACH - GTQ_ACH - HNL_ACH - PEN_ACH - JMD_ACH - USD_ACH_SV - USD_ACH_EC - CLP_TEF - PSE - COP_ACH - BOB_RTGS - PYG_ACH - CERTIS - DKK_TIPS - SENT - NKS - BANKGIROT - HKD_FPS - IBFT - TRY_FAST - ETHEREUM - BASE - POLYGON - SOLANA - TRON - BITCOIN - ARBITRUM example: ETHEREUM direction: type: string description: >- ACH direction. Optional when source.paymentRail is ACH and source.accountId is provided. If omitted for an account-backed ACH source, the API defaults to CREDIT. DEBIT is currently provider-disabled for some virtual bank account sources. enum: - CREDIT - DEBIT example: CREDIT refundAccountId: type: string description: >- Customer wallet account ID (inw_xxx or ewa_xxx) that receives refunds for failed crypto transfers or when fees exceed deposit. Must belong to the customer and include a wallet address; validated at request time. example: inw_abc123 required: - currency - paymentRail TransferDestinationDto: type: object properties: correspondentBankName: type: string description: Correspondent/intermediary bank name example: Bank of America maxLength: 200 correspondentBankSwiftCode: type: string description: Correspondent/intermediary bank SWIFT/BIC code (8 or 11 characters) example: IRVTUS3NXXX correspondentAccountNumber: type: string description: Correspondent/intermediary account number example: '9876543210' maxLength: 64 accountId: type: string description: Account ID for the destination of funds example: acc_def456 currency: type: string enum: - USD - EUR - GBP - CAD - JPY - AUD - MXN - BRL - AED - BHD - KWD - QAR - ARS - CHF - CNY - CNH - COP - CZK - DKK - EGP - HKD - HUF - IDR - ILS - INR - KRW - MYR - NOK - NZD - PHP - PKR - PLN - RON - RUB - SAR - SEK - SGD - THB - TRY - TWD - VND - ZAR - USAT - USDC - USDT - DAI - EURC - PYUSD - USDB - USDP - USDS - BTC - ETH description: Destination currency code example: USDC paymentRail: type: string description: Payment rail for destination (banking network or blockchain) enum: - ACH - ACH_SAME_DAY - WIRE - FED_NOW - RTP - EREBOR - EREBOR_RAIL - BALANCE - SWIFT - SEPA - SEPA_INSTANT - TIPS - FASTER_PAYMENTS - BACS - CHAPS - ELIXIR - NICS - EFT - INTERAC - NPP - BECS - UPI - IMPS - IMPS_WITH_FIRC - NEFT - RTGS - BI_FAST - ARTAJASA - PIX - TED - TEF - SPEI - COELSA - SINPE - CIPS - CFXPS - CHATS - ZENGIN - KFTC - FAST_SG - MEPS - DUITNOW - PROMPTPAY - INSTAPAY - PESONET - NAPAS - BEFTN - SLIPS - ZAHAV - GHIPSS - NIBSS - PESALINK - RTC_ZA - TZS_RTGS - EGP_ACH - JOD_ACH - NPSS - MADA - QPS - DOP_ACH - GTQ_ACH - HNL_ACH - PEN_ACH - JMD_ACH - USD_ACH_SV - USD_ACH_EC - CLP_TEF - PSE - COP_ACH - BOB_RTGS - PYG_ACH - CERTIS - DKK_TIPS - SENT - NKS - BANKGIROT - HKD_FPS - IBFT - TRY_FAST - ETHEREUM - BASE - POLYGON - SOLANA - TRON - BITCOIN - ARBITRUM example: ETHEREUM wireMessage: type: string description: Wire transfer message (max 140 chars) example: Payment for invoice INV-2026-001 maxLength: 140 sepaReference: type: string description: >- SEPA reference (6-140 chars, limited charset: a-z A-Z 0-9 & - . / and space) example: INV-2026-001 minLength: 6 maxLength: 140 achReference: type: string description: ACH reference (max 10 chars, alphanumeric and spaces) example: ORDER123 maxLength: 10 blockchainMemo: type: string description: Blockchain memo (for Stellar, Tron, etc.) example: MEMO123456 swiftReference: type: string description: SWIFT reference (max 4 lines, 35 chars per line, separated by \n) example: 'Payment for Invoice\nReference: INV-2026-001' rtpReference: type: string description: >- RTP reference (max 140 chars, limited charset: a-z A-Z 0-9 & - . / and space) example: Payment for invoice INV-2026-001 maxLength: 140 required: - accountId - currency - paymentRail TransferIntentAmountDto: type: object properties: value: type: string description: Amount in minor units of the selected side. example: '1000000' side: type: string enum: - SOURCE - DESTINATION description: Amount side fixed by the customer. example: SOURCE required: - value - side MoneyOutputDto: type: object properties: currency: type: string description: Currency code example: USD exponent: type: number description: >- Number of decimal places for this currency (e.g., 2 for USD, 6 for USDC) example: 2 value: type: string description: Amount in smallest unit as a string example: '12345' displayValue: type: string description: Human-readable decimal value example: '123.45' required: - currency - exponent - value - displayValue TransferIntentFeesDto: type: object properties: totalBps: type: string description: Total fee in basis points. example: '25' required: - totalBps RouteEstimateDto: type: object properties: estimatedReceiveAt: type: string description: Estimated time when funds will be received format: date-time example: '2026-09-17T10:30:00Z' estimatedMinutes: type: number description: Estimated duration in minutes example: 2880 nextCutoff: type: string description: Next wire cutoff time (if applicable) format: date-time example: '2026-09-15T15:00:00Z' cutoffTimezone: type: string description: Timezone for the cutoff time example: Asia/Singapore required: - estimatedReceiveAt - estimatedMinutes securitySchemes: bearer: scheme: bearer bearerFormat: API Key type: http description: API Key in Bearer format (e.g., Bearer sk_test_...) ```` ## Related topics - [Confirm an unlocked transfer intent](/api-reference/transfers/confirm-an-unlocked-transfer-intent.md) - [Quotes and Transfers](/guides/quotes-and-transfers.md) - [Confirm a transfer quote](/api-reference/transfers/confirm-a-transfer-quote.md) - [Link a Lane A draft to an intent](/api-reference/payment-outcome-intents/link-a-lane-a-draft-to-an-intent.md) - [Create a payment outcome intent](/api-reference/payment-outcome-intents/create-a-payment-outcome-intent.md)