The quotation object

A quotation is the price of one movement, worked out before you make it. It carries what you send, what the recipient ends up with, every charge as its own line, and the rate when a currency changed. Asking for one is free and commits you to nothing. What makes it more than an estimate is quote_id: send it with a payout and the payout settles at exactly these figures, until quote_expires_at passes. Which shape comes back depends on the version you are pinned to. The itemized one below is the current shape; the older grouped one is at the end of this page.

Example

{
  "quote_id": "dddddddd-eeee-ffff-0000-111111111111",
  "quote_expires_at": "2026-09-01T12:15:00.000Z",
  "source": { "amount": 100000, "currency": "USD", "precision": 2 },
  "recipient": { "amount": 98650, "currency": "USD", "precision": 2 },
  "pricing_context": {
    "tier": "tier_2",
    "starting_tier": "tier_2",
    "intro_period_active": false,
    "transactional_waived": false,
    "month_cumulative": 4500000,
    "month_cumulative_currency": "USD",
    "from_held_balance": false
  },
  "conversion": {
    "pair": "USD/USD",
    "rate": "1.000000",
    "source_amount": 100000,
    "source_currency": "USD",
    "target_amount": 100000,
    "target_currency": "USD",
    "rate_source": "fallback_at_peg",
    "market_rate": "1.000000",
    "clamp": "passthrough",
    "locked_at": "2026-09-01T12:00:00.000Z",
    "ttl_seconds": 900
  },
  "fees": [
    {
      "kind": "fixed",
      "code": "wire_domestic_outbound",
      "status": "active",
      "version": "v3",
      "deprecated_at": null,
      "charged_by": "kira",
      "amount": 1000,
      "currency": "USD",
      "precision": 2
    },
    {
      "kind": "percentage",
      "code": "inbound",
      "status": "active",
      "version": "v3",
      "deprecated_at": null,
      "charged_by": "kira",
      "amount": 250,
      "currency": "USD",
      "precision": 2,
      "calculation_method": "percentage",
      "rate_bps": 25,
      "basis_amount": 100000,
      "basis_currency": "USD"
    },
    {
      "kind": "fixed",
      "code": "client_markup_fixed",
      "status": "active",
      "version": "v1",
      "deprecated_at": null,
      "charged_by": "client",
      "amount": 100,
      "currency": "USD",
      "precision": 2
    }
  ],
  "totals": {
    "kira_revenue_total": 1250,
    "client_markup_total": 100,
    "fee_total": 1350,
    "source_net_amount": 98650,
    "currency": "USD",
    "precision": 2
  }
}

Every amount is a whole number in the currency’s smallest unit, with the precision to divide by. 1000.00 USD arrives as amount: 100000 with precision: 2. Rates are decimal strings.

What the quotation is

Field	Type	Description
`quote_id`	string, uuid or `null`	Send it with a payout to settle at this price. `null` on a `quote_for` quote, which is a preview and is not saved.
`quote_expires_at`	string, date-time	When the price stops holding, ISO 8601.
`balance_sufficient`	boolean	Whether the balance you hold covered `source.amount` when the quote was priced. Only on a quote against a balance you already hold, and the balance is checked again for real when the payout runs.

The money

source is what you send and recipient is what the counterparty ends up with. Both carry amount, currency and precision.

Field	Type	Description
`source.amount`	integer	What leaves, in the smallest unit.
`source.currency`	string	Currency of `source.amount`.
`source.precision`	integer	How many decimal places that currency has.
`recipient.amount`	integer	What arrives, after every charge and any conversion.
`recipient.currency`	string	Currency of `recipient.amount`.
`recipient.precision`	integer	How many decimal places that currency has.

The charges

fees is one entry per charge. Add them up and you get totals.fee_total. The names are the ones your contract uses — How you’re charged has what each is for.

Field	Type	Description
`kind`	string	Which shape the line takes. Values
`code`	string	Names the charge, so you can match the same line across quotes.
`status`	string	Whether the line is being charged. Values
`version`	string	Which revision of the charge was applied.
`deprecated_at`	string or `null`	When the charge stops being used. `null` while it is current.
`charged_by`	string	Whose charge it is. Values
`amount`	integer	The charge, in the smallest unit. Negative on an adjustment line, which credits the difference back.
`currency`	string	Currency of `amount`.
`precision`	integer	How many decimal places that currency has.

A percentage line carries three more fields, and a fixed line carries none of them:

Field	Type	Description
`calculation_method`	string	Always `percentage`.
`rate_bps`	integer	The rate in basis points. Negative on an adjustment line.
`basis_amount`	integer	The amount the rate was applied to, in the smallest unit.
`basis_currency`	string	Currency of `basis_amount`.

Not every line appears on every quote. A movement with no currency change carries no conversion line, and a payout from a balance you already hold carries no inbound charge — that was taken when the money arrived.

The totals

Field	Type	Description
`kira_revenue_total`	integer	Everything charged by Kira.
`client_markup_total`	integer	Everything charged by you, on top.
`fee_total`	integer	Both of the above together.
`source_net_amount`	integer	What is left of `source.amount` after the charges.
`currency`	string	Currency of these totals.
`precision`	integer	How many decimal places that currency has.

The conversion

Always present. When no currency changed, it echoes the movement back at a rate of 1.000000 — so compare source_currency with target_currency, or read pair, to tell whether a conversion actually happened.

Field	Type	Description
`pair`	string	What was converted into what.
`rate`	string	The rate used, as a decimal string with six decimals.
`market_rate`	string	The rate as sampled, before any hold at parity was applied.
`clamp`	string	Whether the market rate was held at parity or used as sampled. Values
`rate_source`	string	Where the rate came from. Values
`source_amount`	integer	What went in, in the smallest unit.
`source_currency`	string	Currency of `source_amount`.
`target_amount`	integer	What came out, in the smallest unit.
`target_currency`	string	Currency of `target_amount`.
`locked_at`	string, date-time	When the rate was fixed, ISO 8601.
`ttl_seconds`	integer	How long the rate is held, in seconds.

Both the rate applied and the market rate it came from are here, so the difference is visible rather than buried in one number.

Why this price

pricing_context says what the price was worked out against.

Field	Type	Description
`tier`	string	The pricing tier applied. Values
`starting_tier`	string	The tier you were on before this month’s volume was counted.
`month_cumulative`	integer	How much has moved this month, which is what decides the tier.
`month_cumulative_currency`	string	Currency of `month_cumulative`.
`intro_period_active`	boolean	Whether introductory pricing was still running.
`transactional_waived`	boolean	Whether the per-transaction charge was waived.
`from_held_balance`	boolean	Whether this was priced as a payout from a balance you already hold.

The grouped shape

A quote read on 2026-04-14 comes back grouped rather than itemized, and every amount is a decimal string instead of a whole number with a precision.

Field	Type	Description
`amount`	string	What you send.
`currency`	string	Currency of `amount`. Always `USD`.
`recipient_amount`	string	What the recipient ends up with.
`recipient_currency`	string	Currency of `recipient_amount` — `USD` on a bank payout, `USDC` or `USDT` on a wallet payout.
`quote_id`	string, uuid	Send it with a payout to settle at this price.
`quote_expires_at`	string, date-time	When the price stops holding, ISO 8601.
`payment_instructions`	object	The funding token and chain, echoed back. Only on a crypto-funded quote.

The charges arrive under fees, in groups rather than as lines: base_fees is what Kira charged, client_markup is what you charged on top, network_fee is the chain’s transfer cost, and fx carries the rates when the quote converts. fees.total_fees is base_fees.total and client_markup.total added up, and fees.total repeats it. Neither includes network_fee, so add that yourself on a payout delivered as digital currency — it is 0.00 on a bank payout. The two shapes carry the same charges. What the itemized one adds is a line per charge, each naming what it is and what it was calculated on, instead of a group total you have to take apart.

Across the API

Authentication

Versioning

Users

Virtual Accounts

Recipients

Quotations

Payouts

Catalogs

RFIs

The quotation object

Example

What the quotation is

The money

The charges

The totals

The conversion

Why this price

The grouped shape

​Example

​What the quotation is

​The money

​The charges

​The totals

​The conversion

​Why this price

​The grouped shape

Example

What the quotation is

The money

The charges

The totals

The conversion

Why this price

The grouped shape