Quotes and Transfers

Overview

The Infinite API provides flexible options for executing currency conversions: Option 1: Direct Transfer (Recommended for simple flows)

Create a transfer with amounts and currencies
The API automatically fetches a real-time quote and executes immediately
Simplest approach for most use cases

Option 2: Quote + Transfer (For locked-in rates)

Get a Quote - Request and hold a quote to lock in an exchange rate
Execute Transfer - Use the held quote to guarantee the rate

This guide covers both approaches with practical examples.

Currency Amount Format

All amounts in the API are in the smallest unit (unscaled) - Fiat currencies: cents (e.g., $100.00 = 10000 cents) - Crypto currencies: base units (e.g., 1 USDC = 1000000, 1 BTC = 100000000 satoshi) This ensures precision and avoids floating-point errors.

Decimal Places by Currency

Currency	Decimals	Smallest Unit	Example
USD, EUR, GBP, CAD, AUD	2	Cents	$100.00 = 10000
JPY	0	Yen	¥1000 = 1000
USDC, USDT, TRX	6	Base units	1 USDC = 1000000
BTC	8	Satoshi	1 BTC = 100000000
SOL	9	Lamports	1 SOL = 1000000000
ETH, DAI	18	Wei	1 ETH = 1000000000000000000

Converting Between Decimal and Smallest Unit

To convert from decimal amounts to smallest unit for API requests:

// Fiat: multiply by 10^decimals
const usdAmount = 100.5; // $100.50
const usdInCents = Math.round(usdAmount * 100); // 10050

// Crypto with 6 decimals (USDC, USDT)
const usdcAmount = 100.5; // 100.5 USDC
const usdcInBaseUnits = Math.round(usdcAmount * 1000000); // 100500000

// Crypto with 8 decimals (BTC)
const btcAmount = 0.001; // 0.001 BTC
const btcInSatoshi = Math.round(btcAmount * 100000000); // 100000

Option 1: Direct Transfer (No Quote Required)

The simplest way to create a transfer is to specify amounts and currencies directly. The API will automatically fetch the current exchange rate and execute the transfer.

Example: Direct USD to USDC Conversion

import requests

response = requests.post(
    'https://api.infinite.dev/v1/transfers',
    headers={
        'Authorization': 'Bearer YOUR_API_KEY',
        'Content-Type': 'application/json',
    },
    json={
        'onBehalfOf': 'cus_abc123',
        'amount': {
            'currency': 'USD',
            'rawValue': '10000',
        },
        'source': {
            'currency': 'USD',
            'paymentRail': 'ACH',
            'accountId': 'vba_source123',
        },
        'destination': {
            'currency': 'USDC',
            'paymentRail': 'ETHEREUM',
            'accountId': 'inw_dest456',
        },
        'paymentReason': 'TRADE_SETTLEMENT',
    },
)

const response = await fetch('https://api.infinite.dev/v1/transfers', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer YOUR_API_KEY',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    onBehalfOf: 'cus_abc123',
    amount: {
      currency: 'USD',
      rawValue: '10000',
    },
    source: {
      currency: 'USD',
      paymentRail: 'ACH',
      accountId: 'vba_source123',
    },
    destination: {
      currency: 'USDC',
      paymentRail: 'ETHEREUM',
      accountId: 'inw_dest456',
    },
    paymentReason: 'TRADE_SETTLEMENT',
  }),
});

export INFINITE_API_KEY=YOUR_API_KEY
infinite api POST /v1/transfers --body '{
  "onBehalfOf": "cus_abc123",
  "amount": {
    "currency": "USD",
    "rawValue": "10000"
  },
  "source": {
    "currency": "USD",
    "paymentRail": "ACH",
    "accountId": "vba_source123"
  },
  "destination": {
    "currency": "USDC",
    "paymentRail": "ETHEREUM",
    "accountId": "inw_dest456"
  },
  "paymentReason": "TRADE_SETTLEMENT"
}'

Convert $100.00 from vba_source123 by ACH to USDC in inw_dest456 on Ethereum, on behalf of cus_abc123, for trade settlement.

# With an agent key the assistant calls create_transfer (draft) then submit_transfer; with an org key run the CLI tab.

curl --request POST \
  --url https://api.infinite.dev/v1/transfers \
  --header 'Authorization: Bearer YOUR_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
    "onBehalfOf": "cus_abc123",
    "amount": {
      "currency": "USD",
      "rawValue": "10000"
    },
    "source": {
      "currency": "USD",
      "paymentRail": "ACH",
      "accountId": "vba_source123"
    },
    "destination": {
      "currency": "USDC",
      "paymentRail": "ETHEREUM",
      "accountId": "inw_dest456"
    },
    "paymentReason": "TRADE_SETTLEMENT"
  }'

The API will:

Fetch a real-time quote automatically
Apply the current exchange rate (inclusive of fees)
Execute the transfer immediately
Return the transfer details with actual amounts

Use this approach when you don’t need to show the user the exact exchange rate before execution, or when you’re executing transfers programmatically.

Option 2: Quote First (For Locked-in Rates)

If you need to show users the exact exchange rate before they confirm, or lock in a rate for a multi-step flow, use the two-step quote + transfer process.

Step 1: Get a Quote

Request a quote to get the current exchange rate and expected destination amount.

Quote Types

Instant Quotes (default): Get immediate pricing. Use for display purposes. Held Quotes (with holdQuote: true): Lock in a rate for up to 5 minutes. Required if you want to reference the quote in a transfer.

Example: Get an Instant Quote

import requests

response = requests.post(
    'https://api.infinite.dev/v1/quotes',
    headers={
        'Authorization': 'Bearer YOUR_API_KEY',
        'Content-Type': 'application/json',
    },
    json={
        'sourceAmount': {
            'currency': 'USD',
            'rawValue': '10000',
        },
        'destinationCurrency': 'USDC',
    },
)

const response = await fetch('https://api.infinite.dev/v1/quotes', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer YOUR_API_KEY',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    sourceAmount: {
      currency: 'USD',
      rawValue: '10000',
    },
    destinationCurrency: 'USDC',
  }),
});

export INFINITE_API_KEY=YOUR_API_KEY
infinite quotes create \
  --source-amount 10000 \
  --source-currency USD \
  --dest-currency USDC

Quote $100.00 USD to USDC.

# With an agent key the assistant calls get_quote; with an org key run the CLI tab.

curl --request POST \
  --url https://api.infinite.dev/v1/quotes \
  --header 'Authorization: Bearer YOUR_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
    "sourceAmount": {
      "currency": "USD",
      "rawValue": "10000"
    },
    "destinationCurrency": "USDC"
  }'

Response:

{
  "sourceAmount": {
    "currency": "USD",
    "exponent": 2,
    "value": "10000",
    "displayValue": "100.00"
  },
  "destinationAmount": {
    "currency": "USDC",
    "exponent": 6,
    "value": "99500000",
    "displayValue": "99.50"
  },
  "exchangeRate": "0.9950",
  "infiniteFee": {
    "fixed": null,
    "variable": null
  },
  "createdAt": "2026-09-15T10:30:00Z"
}

The exchangeRate is inclusive of all fees. You don’t need to calculate fees separately.

Example: Get a Held Quote

Add holdQuote: true to lock in the rate:

import requests

response = requests.post(
    'https://api.infinite.dev/v1/quotes',
    headers={
        'Authorization': 'Bearer YOUR_API_KEY',
        'Content-Type': 'application/json',
    },
    json={
        'sourceAmount': {
            'currency': 'USD',
            'rawValue': '10000',
        },
        'destinationCurrency': 'USDC',
        'holdQuote': True,
    },
)

const response = await fetch('https://api.infinite.dev/v1/quotes', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer YOUR_API_KEY',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    sourceAmount: {
      currency: 'USD',
      rawValue: '10000',
    },
    destinationCurrency: 'USDC',
    holdQuote: true,
  }),
});

export INFINITE_API_KEY=YOUR_API_KEY
infinite quotes create \
  --source-amount 10000 \
  --source-currency USD \
  --dest-currency USDC \
  --body '{"holdQuote":true}'

Quote $100.00 USD to USDC and hold the rate.

# With an agent key the assistant calls get_quote(holdRate=true) and passes the quote id as quoteId to create_transfer; with an org key run the CLI tab.

curl --request POST \
  --url https://api.infinite.dev/v1/quotes \
  --header 'Authorization: Bearer YOUR_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
    "sourceAmount": {
      "currency": "USD",
      "rawValue": "10000"
    },
    "destinationCurrency": "USDC",
    "holdQuote": true
  }'

Response includes quote ID and expiration:

{
  "id": "quote_abc123",
  "sourceAmount": {
    "currency": "USD",
    "exponent": 2,
    "value": "10000",
    "displayValue": "100.00"
  },
  "destinationAmount": {
    "currency": "USDC",
    "exponent": 6,
    "value": "99500000",
    "displayValue": "99.50"
  },
  "exchangeRate": "0.9950",
  "expiresAt": "2026-09-15T10:35:00Z",
  "createdAt": "2026-09-15T10:30:00Z"
}

Quote Expiration

Held quotes expire after 5 minutes
Instant quotes should be used immediately as rates fluctuate
Expired quotes cannot be used for transfers

Step 2: Execute a Transfer

Once you have a quote, use it to create a transfer.

Prerequisites

Before creating a transfer, ensure you have:

A customer - Create using POST /customers/individuals or POST /customers/businesses
Source account - Virtual bank account or wallet for the customer
Destination account - External wallet or bank account

See the Accounts guide for details on creating accounts.

Example: Execute Transfer with Instant Quote

import requests

response = requests.post(
    'https://api.infinite.dev/v1/transfers',
    headers={
        'Authorization': 'Bearer YOUR_API_KEY',
        'Content-Type': 'application/json',
    },
    json={
        'onBehalfOf': 'cus_abc123',
        'amount': {
            'currency': 'USD',
            'rawValue': '10000',
        },
        'source': {
            'currency': 'USD',
            'paymentRail': 'ACH',
            'accountId': 'vba_source123',
        },
        'destination': {
            'currency': 'USDC',
            'paymentRail': 'ETHEREUM',
            'accountId': 'inw_dest456',
        },
        'paymentReason': 'TRADE_SETTLEMENT',
    },
)

const response = await fetch('https://api.infinite.dev/v1/transfers', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer YOUR_API_KEY',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    onBehalfOf: 'cus_abc123',
    amount: {
      currency: 'USD',
      rawValue: '10000',
    },
    source: {
      currency: 'USD',
      paymentRail: 'ACH',
      accountId: 'vba_source123',
    },
    destination: {
      currency: 'USDC',
      paymentRail: 'ETHEREUM',
      accountId: 'inw_dest456',
    },
    paymentReason: 'TRADE_SETTLEMENT',
  }),
});

export INFINITE_API_KEY=YOUR_API_KEY
infinite api POST /v1/transfers --body '{
  "onBehalfOf": "cus_abc123",
  "amount": {
    "currency": "USD",
    "rawValue": "10000"
  },
  "source": {
    "currency": "USD",
    "paymentRail": "ACH",
    "accountId": "vba_source123"
  },
  "destination": {
    "currency": "USDC",
    "paymentRail": "ETHEREUM",
    "accountId": "inw_dest456"
  },
  "paymentReason": "TRADE_SETTLEMENT"
}'

Convert $100.00 from vba_source123 by ACH to USDC in inw_dest456 on Ethereum, on behalf of cus_abc123, for trade settlement.

# With an agent key the assistant calls create_transfer (draft) then submit_transfer; with an org key run the CLI tab.

curl --request POST \
  --url https://api.infinite.dev/v1/transfers \
  --header 'Authorization: Bearer YOUR_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
    "onBehalfOf": "cus_abc123",
    "amount": {
      "currency": "USD",
      "rawValue": "10000"
    },
    "source": {
      "currency": "USD",
      "paymentRail": "ACH",
      "accountId": "vba_source123"
    },
    "destination": {
      "currency": "USDC",
      "paymentRail": "ETHEREUM",
      "accountId": "inw_dest456"
    },
    "paymentReason": "TRADE_SETTLEMENT"
  }'

The API will:

Fetch a fresh quote automatically
Validate the accounts and customer
Initiate the transfer
Return the transfer details with actual exchange rate applied

Response:

{
  "id": "tfr_xyz789",
  "sourceCustomerId": "cus_abc123",
  "status": "PENDING",
  "source": {
    "currency": "USD",
    "paymentRail": "ACH",
    "accountId": "vba_source123"
  },
  "destination": {
    "currency": "USDC",
    "paymentRail": "ETHEREUM",
    "accountId": "inw_dest456"
  },
  "sourceAmount": {
    "currency": "USD",
    "exponent": 2,
    "value": "10000",
    "displayValue": "100.00"
  },
  "destinationAmount": {
    "currency": "USDC",
    "exponent": 6,
    "value": "99500000",
    "displayValue": "99.50"
  },
  "createdAt": "2026-09-15T10:30:00Z"
}

Example: Execute Transfer with Held Quote

If you created a held quote, reference it in the transfer:

import requests

response = requests.post(
    'https://api.infinite.dev/v1/transfers',
    headers={
        'Authorization': 'Bearer YOUR_API_KEY',
        'Content-Type': 'application/json',
    },
    json={
        'onBehalfOf': 'cus_abc123',
        'amount': {
            'currency': 'USD',
            'rawValue': '10000',
        },
        'source': {
            'currency': 'USD',
            'paymentRail': 'ACH',
            'accountId': 'vba_source123',
        },
        'destination': {
            'currency': 'USDC',
            'paymentRail': 'ETHEREUM',
            'accountId': 'inw_dest456',
        },
        'paymentReason': 'TRADE_SETTLEMENT',
        'quoteId': 'quote_abc123',
    },
)

const response = await fetch('https://api.infinite.dev/v1/transfers', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer YOUR_API_KEY',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    onBehalfOf: 'cus_abc123',
    amount: {
      currency: 'USD',
      rawValue: '10000',
    },
    source: {
      currency: 'USD',
      paymentRail: 'ACH',
      accountId: 'vba_source123',
    },
    destination: {
      currency: 'USDC',
      paymentRail: 'ETHEREUM',
      accountId: 'inw_dest456',
    },
    paymentReason: 'TRADE_SETTLEMENT',
    quoteId: 'quote_abc123',
  }),
});

export INFINITE_API_KEY=YOUR_API_KEY
infinite api POST /v1/transfers --body '{
  "onBehalfOf": "cus_abc123",
  "amount": {
    "currency": "USD",
    "rawValue": "10000"
  },
  "source": {
    "currency": "USD",
    "paymentRail": "ACH",
    "accountId": "vba_source123"
  },
  "destination": {
    "currency": "USDC",
    "paymentRail": "ETHEREUM",
    "accountId": "inw_dest456"
  },
  "paymentReason": "TRADE_SETTLEMENT",
  "quoteId": "quote_abc123"
}'

Convert $100.00 from vba_source123 by ACH to USDC in inw_dest456 on Ethereum, on behalf of cus_abc123, for trade settlement, using quote quote_abc123.

# With an agent key the assistant calls create_transfer (draft) then submit_transfer; with an org key run the CLI tab.

curl --request POST \
  --url https://api.infinite.dev/v1/transfers \
  --header 'Authorization: Bearer YOUR_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
    "onBehalfOf": "cus_abc123",
    "amount": {
      "currency": "USD",
      "rawValue": "10000"
    },
    "source": {
      "currency": "USD",
      "paymentRail": "ACH",
      "accountId": "vba_source123"
    },
    "destination": {
      "currency": "USDC",
      "paymentRail": "ETHEREUM",
      "accountId": "inw_dest456"
    },
    "paymentReason": "TRADE_SETTLEMENT",
    "quoteId": "quote_abc123"
  }'

When using a held quote, the exchange rate from the quote is guaranteed. You still need to provide the full transfer details.

Same-asset cross-chain

To move USDC or USDT between chains without converting the asset, use the same currency on both legs and different rails. Settlement is at par. See Same-asset bridging.

Get started

Core Concepts

Guides

Overview

Currency Amount Format

Decimal Places by Currency

Converting Between Decimal and Smallest Unit

Option 1: Direct Transfer (No Quote Required)

Example: Direct USD to USDC Conversion

Option 2: Quote First (For Locked-in Rates)

Step 1: Get a Quote

Quote Types

Example: Get an Instant Quote

Example: Get a Held Quote

Quote Expiration

Step 2: Execute a Transfer

Prerequisites

Example: Execute Transfer with Instant Quote

Example: Execute Transfer with Held Quote

Same-asset cross-chain

​Overview

​Currency Amount Format

​Decimal Places by Currency

​Converting Between Decimal and Smallest Unit

​Option 1: Direct Transfer (No Quote Required)

​Example: Direct USD to USDC Conversion

​Option 2: Quote First (For Locked-in Rates)

​Step 1: Get a Quote

​Quote Types

​Example: Get an Instant Quote

​Example: Get a Held Quote

​Quote Expiration

​Step 2: Execute a Transfer

​Prerequisites

​Example: Execute Transfer with Instant Quote

​Example: Execute Transfer with Held Quote

​Same-asset cross-chain

Overview

Currency Amount Format

Decimal Places by Currency

Converting Between Decimal and Smallest Unit

Option 1: Direct Transfer (No Quote Required)

Example: Direct USD to USDC Conversion

Option 2: Quote First (For Locked-in Rates)

Step 1: Get a Quote

Quote Types

Example: Get an Instant Quote

Example: Get a Held Quote

Quote Expiration

Step 2: Execute a Transfer

Prerequisites

Example: Execute Transfer with Instant Quote

Example: Execute Transfer with Held Quote

Same-asset cross-chain