> ## Documentation Index
> Fetch the complete documentation index at: https://docs.useaxra.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payout quote

> Lock FX for 60 seconds before confirming a local-rail payout.

`POST /v1/business/payouts/quote`

Returns a signed `quoteToken`, destination amount, rate, fee, and `expiresAt`. Pass the token to `POST /v1/business/payouts` within 60 seconds to lock the rate.

## Request

Provide exactly one of `srcAmount` (USDC debited from your wallet) or `dstAmount` (local currency the recipient receives). `srcCurrency` defaults to `USDC`.

| Field       | Required | Description                                     |
| ----------- | -------- | ----------------------------------------------- |
| `rail`      | Yes      | `LOCAL_BANK` or `LOCAL_MOMO`                    |
| `country`   | Yes      | ISO-2 destination country (e.g. `NG`)           |
| `currency`  | Yes      | Local currency code (e.g. `NGN`)                |
| `srcAmount` | XOR      | USDC amount as decimal string (e.g. `"100.00"`) |
| `dstAmount` | XOR      | Local amount as decimal string                  |

## Responses

| HTTP  | Meaning                                               |
| ----- | ----------------------------------------------------- |
| `200` | Quote issued — use `data.quoteToken` on create        |
| `400` | Invalid corridor or amount                            |
| `410` | Quote token expired or invalid (on create, not quote) |
| `503` | FX rate temporarily unavailable for corridor          |

<CodeGroup>
  ```bash cURL theme={null}
  curl -X POST https://api.useaxra.com/api/v1/business/payouts/quote \
    -H "x-api-key: YOUR_API_KEY" \
    -H "Content-Type: application/json" \
    -d '{
      "rail": "LOCAL_BANK",
      "country": "NG",
      "currency": "NGN",
      "srcCurrency": "USDC",
      "srcAmount": "100.00"
    }'
  ```

  ```typescript Node.js theme={null}
  import { Axra } from '@useaxra/node';

  const axra = new Axra(process.env.AXRA_SECRET_KEY!);

  const quote = await axra.payouts.quote({
    rail: 'LOCAL_BANK',
    country: 'NG',
    currency: 'NGN',
    srcAmount: '100.00',
  });

  console.log(quote.quoteToken, quote.dstAmount, quote.expiresAt);
  ```

  ```python Python theme={null}
  from axra import Axra

  client = Axra(os.environ["AXRA_SECRET_KEY"])

  quote = client.payouts.quote(
      rail="LOCAL_BANK",
      country="NG",
      currency="NGN",
      src_amount="100.00",
  )

  print(quote.quote_token, quote.dst_amount, quote.expires_at)
  ```
</CodeGroup>

```json Response theme={null}
{
  "success": true,
  "data": {
    "quoteToken": "eyJ...",
    "srcAmount": "100.00",
    "dstAmount": "165000.00",
    "rate": "0.000606",
    "axraFee": "1.50",
    "expiresAt": "2026-06-01T12:01:00.000Z",
    "rail": "LOCAL_BANK",
    "country": "NG",
    "currency": "NGN"
  }
}
```

<Card title="API Reference" icon="code" href="/api-reference/business-payouts/quote">
  Full OpenAPI schema.
</Card>