> ## Documentation Index > Fetch the complete documentation index at: https://docs.kirafin.ai/llms.txt > Use this file to discover all available pages before exploring further. # Create a quotation > Price a payout before you make it, and hold that price. The quote is always saved. Send its `quote_id` with a payout and it settles at exactly the amounts, fees and rate you were quoted. `quote_expires_at` says how long that holds — read the field rather than assuming a duration, because the window is configurable. ## OpenAPI ````yaml /openapi/kira-api.2026-04-14.json post /v1/quotations openapi: 3.1.0 info: title: Kira API version: '2026-04-14' description: >- REST API for users, KYC/KYB verification, virtual accounts, payouts, recipients, and webhooks. Every request requires an `x-api-key` header and a bearer access token (see Authentication). Pin your account to version `2026-04-14` before integrating. contact: name: Kira API Support email: support@kirafin.ai servers: - url: https://api.balampay.com description: Production - url: https://api.balampay.com/sandbox description: Sandbox security: - bearerAuth: [] apiKeyAuth: [] tags: - name: Authentication - name: Versioning - name: Users - name: Virtual Accounts - name: Recipients - name: Quotations - name: Payouts - name: Reference paths: /v1/quotations: post: tags: - Quotations summary: Create a quotation description: >- Price a payout before you make it, and hold that price. The quote is always saved. Send its `quote_id` with a payout and it settles at exactly the amounts, fees and rate you were quoted. `quote_expires_at` says how long that holds — read the field rather than assuming a duration, because the window is configurable. operationId: post_v1-quotations parameters: - in: header name: X-Api-Version required: false description: >- Version applied to this request. It wins over your account's pinned version — see [Versioning](/using-the-api/versioning). schema: type: string example: '2026-04-14' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/QuotationRequest' examples: bank: summary: A wire to a saved recipient value: amount: '1000.00' recipient_id: cccccccc-dddd-eeee-ffff-000000000000 wallet: summary: USDC to a wallet, without a saved recipient value: amount: '1000.00' account_type: WALLET wallet_network: polygon wallet_token: USDC responses: '201': description: The quote was priced and saved. content: application/json: schema: $ref: '#/components/schemas/QuotationResponse' example: amount: '1000.00' currency: USD fees: base_fees: bank_account_fee: '10.00' bank_account_fee_percentage: '0.00' fixed_fee: '0.00' percentage_fee: '2.50' total: '12.50' client_markup: fixed_fee: '1.00' percentage_fee: '0.00' total: '1.00' network_fee: '0.00' total_fees: '13.50' total: '13.50' recipient_amount: '986.50' recipient_currency: USD quote_id: dddddddd-eeee-ffff-0000-111111111111 quote_expires_at: '2026-09-01T12:15:00.000Z' '400': description: >- The request was rejected. Read `code` to tell the two apart: `validation_error` means a field is missing or malformed and `details` names each one; `bad_request` means the request was well formed but cannot be priced — most often the amount is too small to cover the fees. content: application/json: examples: validation: summary: A field is missing or malformed value: code: validation_error message: Invalid request body details: - path: - amount message: Amount must be greater than zero not-priceable: summary: The amount cannot carry the fees value: code: bad_request message: Total fees exceed or equal the payout amount '403': description: >- Your request was turned away before it reached the API. The message talks about routing, but any of these causes it: - The `x-api-key` header is missing or wrong. - Your bearer token has expired. Get a new one from [Get access token](/api-reference/authentication/get-access-token). - The path or the HTTP method does not match. In sandbox, check that the path sits under the `/sandbox` prefix. A missing `Authorization` header comes back as a `401` with the same body. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: code: invalid_request message: >- The request could not be matched to a valid route, or was malformed. Verify the path and HTTP method against the API reference. This is a routing or request error, not a credentials or signature problem. '404': description: >- The `recipient_id` does not belong to you, or your account could not be resolved. content: application/json: example: code: not_found message: Recipient not found '500': description: >- The quote could not be produced. Retry; if it keeps happening, contact your Kira contact with the time of the call. content: application/json: example: code: internal_error message: An unexpected error occurred while creating the quotation security: - bearerAuth: [] apiKeyAuth: [] servers: - url: https://api.balampay.com/sandbox description: Sandbox - url: https://api.balampay.com description: Production components: schemas: QuotationRequest: type: object description: Send `recipient_id` or `account_type` — at least one is required. properties: amount: type: string description: >- How much to price, as a positive decimal string with up to 8 decimals. With `inverse_calculation` this is what the recipient should end up with instead. recipient_id: type: string format: uuid description: >- A recipient you saved earlier. Its rail and details are used for the pricing. account_type: type: string enum: - WIRE - ACH - WALLET description: >- Price a rail without saving a recipient first. Ignored when you also send `recipient_id`, which carries its own rail. With `WALLET` and no `recipient_id`, `wallet_network` and `wallet_token` are required too. inverse_calculation: type: boolean description: >- Work backwards: treat `amount` as what the recipient receives and return the amount you have to send. `false` when you omit it. client_markup: type: object description: >- Your own fees for this one quote, replacing whatever is configured on your account. `fixed_fee` and `percentage_fee` are both required once you send the object. properties: fixed_fee: type: string description: A flat charge, as a decimal string with up to 2 decimals. percentage_fee: type: string description: >- A share of the amount, as a decimal between `0` and `1` with up to 4 decimals — `0.01` is 1%. fx_markup: type: string description: >- Your cut of the currency conversion, as a decimal with up to 4 decimals. required: - fixed_fee - percentage_fee wallet_network: type: string enum: - solana - polygon - tron description: >- Chain the recipient's wallet is on. Only used with `account_type: WALLET` and no `recipient_id`. wallet_token: type: string enum: - USDC - USDT description: >- Token the recipient receives. Not every token works on every chain, and a pair that does not is rejected with a `400`. payment_instructions: type: object description: >- The token and chain you will deposit to fund the payout. Sending this makes the quote a crypto-funded one. properties: network: type: string enum: - solana - polygon - tron description: Chain you will deposit on. currency: type: string enum: - USDC - USDT description: Token you will deposit. required: - network - currency required: - amount QuotationResponse: type: object description: The priced quote. Every amount is a decimal string. properties: amount: type: string description: What you send. currency: type: string description: Currency of `amount`. Always `USD`. fees: type: object description: What comes off the amount before the recipient is paid. properties: base_fees: type: object description: What Kira charged, each a decimal string. properties: bank_account_fee: type: string description: The rail's own flat charge. bank_account_fee_percentage: type: string description: The rail's own percentage charge. fixed_fee: type: string description: A flat charge. percentage_fee: type: string description: A charge worked out from the amount. conversion_on_ramp_fee: type: string description: >- Charge for turning USD into a token. Only on a quote that converts. total: type: string description: This group added up. client_markup: type: object description: What you charged, each a decimal string. properties: fixed_fee: type: string description: A flat charge. percentage_fee: type: string description: A charge worked out from the amount. conversion_on_ramp_fee: type: string description: >- Charge for turning USD into a token. Only on a quote that converts. total: type: string description: This group added up. network_fee: type: string description: >- The chain's transfer cost. `0` on a quote that does not touch a chain. fx: type: object description: >- How the conversion was priced. Only on a quote that converts between USD and a token. properties: commercial_rate: type: string description: >- Reference market rate, in USD per unit of the token. Shown for display, and absent when the quote charges conversion as its own fee line instead of as a rate spread. mid_market_rate: type: string description: The same value as `commercial_rate`, under a clearer name. applied_rate: type: string description: The reference rate less the markup. Shown for display only. base_markup_rate: type: string description: Kira's share of the spread, as a rate. client_markup_rate: type: string description: Your share of the spread, as a rate. markup_cost: type: string description: What the spread comes to in USD. depeg_loss: type: string description: >- USD given up because the token was trading below parity. Kept separate so it is not read as revenue. total_fees: type: string description: >- `base_fees.total` and `client_markup.total` added up. `network_fee` is not in it — add that separately on a payout delivered as digital currency. total: type: string description: The same value as `total_fees`. recipient_amount: type: string description: What the recipient ends up with. recipient_currency: type: string description: >- Currency of `recipient_amount` — `USD` on a bank payout, `USDC` or `USDT` on a wallet payout. payment_instructions: type: object additionalProperties: true description: >- The funding token and chain, echoed back. Only on a crypto-funded quote. quote_id: type: string format: uuid description: Send this with a payout to settle at this price. quote_expires_at: type: string description: When the price stops holding, as an ISO 8601 timestamp. ErrorResponse: type: object properties: message: type: string code: type: string statusCode: type: number error: type: string timestamp: type: string path: type: string details: {} required: - message securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: JWT description: >- The `data.access_token` value from [Get access token](/api-reference/authentication/get-access-token). apiKeyAuth: type: apiKey in: header name: x-api-key description: API key issued by Kira. ````