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# Request a quote

POST https://api.crisscross.money/v1/toc/quotes
Content-Type: application/json

Requests a firm, expiring TOC quote priced from `sellAmount` (the ZAR amount the client sells).
The response includes the rate, fees, and the total ZAR debit (`totalDebitAmount = sellAmount + fee`).
The quote is retrievable via `GET /v1/toc/quotes/{quoteId}`.

Idempotency: **none** - clients may fire multiple requests for quotes.

Reference: https://docs.crisscross.money/api-reference/toc-api/quotes/request-quote

## Authentication

- `Authorization` header (bearer token, required) — Token obtained via the login flow.

## Request

### Body (application/json)

This endpoint expects a TocQuoteRequest.

- `sellCurrency` (string, required) — Currency the client sells (ISO 4217). Only `ZAR` is supported at present; unsupported values return `400`.
- `buyCurrency` (string, required) — Currency the client receives (ISO 4217).
- `sellAmount` (string, optional) — Positive decimal string in `sellCurrency` the client wishes to sell. Mutually exclusive with `buyAmount`.
- `buyAmount` (string, optional) — Positive decimal string in `buyCurrency` the client wishes to receive. Mutually exclusive with `sellAmount`.

## Response

### 201

A firm TOC quote active until `expiresAt`.

- `quoteId` (string, required)
- `status` (enum, required)
  - Allowed values: `active`, `accepted`, `expired`
- `sellCurrency` (string, required)
- `buyCurrency` (string, required)
- `sellAmount` (string, required) — ZAR amount the client sells at the specified rate.
- `buyAmount` (string, required) — Amount in `buyCurrency` the client receives.
- `rate` (string, required) — Amount of buy currency received per unit of sell currency. `1 sellCurrency = <rate> buyCurrency`.
- `fee` (string, required) — Total fee in ZAR.
- `totalDebitAmount` (string, required) — Total ZAR debit. `sellAmount + fee`.
- `createdAt` (datetime, required)
- `expiresAt` (datetime, required) — Quote is `active` strictly before this time, `expired` thereafter and cannot be accepted.

## Errors

### 400 Bad Request Error

Bad request — validation or malformed request.

- `error` (ErrorEnvelopeError, required)

### 401 Unauthorized Error

Unauthorized — missing or invalid token.

- `error` (ErrorEnvelopeError, required)

### 404 Not Found Error

No rate is currently available for the requested currency pair.

- `error` (ErrorEnvelopeError, required)

### 422 Unprocessable Entity Error

Your account is not yet enabled for TOC trading. Contact support.

- `error` (ErrorEnvelopeError, required)

## Types

### ErrorEnvelopeError

- `code` (string, required) — Stable machine-readable identifier. Branch on this, not `message`. Common values: `INVALID_REQUEST`, `UNAUTHENTICATED`, `FORBIDDEN`, `RATE_NOT_AVAILABLE`, `RATE_NOT_FOUND`, `CURRENCY_NOT_SUPPORTED`, `CURRENCY_NOT_PROVISIONED`, `QUOTE_NOT_FOUND`, `QUOTE_EXPIRED`, `QUOTE_NOT_EXECUTABLE`, `ORDER_NOT_FOUND`, `DEPOSIT_NOT_FOUND`, `BENEFICIARY_NOT_FOUND`, `BENEFICIARY_NOT_ACTIVE`, `CURRENCY_MISMATCH`, `INSUFFICIENT_BALANCE`, `AMOUNT_OUT_OF_RANGE`, `WITHDRAWAL_NOT_FOUND`, `WITHDRAWAL_NOT_CANCELLABLE`, `IDEMPOTENCY_CONFLICT`, `INVALID_CURSOR`.
- `message` (string, required) — Human-readable description. Do not parse.
- `details` (map from string to any, optional) — Structured context about the error. Shape varies per code.

## Examples

**Request**

```json
{
  "sellCurrency": "ZAR",
  "buyCurrency": "USD",
  "sellAmount": "100000.00"
}
```

**Response**

```json
{
  "quoteId": "qut_550e8400-e29b-41d4-a716-446655440000",
  "status": "active",
  "sellCurrency": "ZAR",
  "buyCurrency": "USD",
  "sellAmount": "100000.00",
  "buyAmount": "5400.00",
  "rate": "0.054",
  "fee": "850.00",
  "totalDebitAmount": "100850.00",
  "createdAt": "2026-05-18T14:14:55Z",
  "expiresAt": "2026-05-18T14:15:55Z"
}
```

**SDK Code**

```python Quotes_requestQuote_example
import requests

url = "https://api.crisscross.money/v1/toc/quotes"

payload = {
    "sellCurrency": "ZAR",
    "buyCurrency": "USD",
    "sellAmount": "100000.00"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript Quotes_requestQuote_example
const url = 'https://api.crisscross.money/v1/toc/quotes';
const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: '{"sellCurrency":"ZAR","buyCurrency":"USD","sellAmount":"100000.00"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go Quotes_requestQuote_example
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.crisscross.money/v1/toc/quotes"

	payload := strings.NewReader("{\n  \"sellCurrency\": \"ZAR\",\n  \"buyCurrency\": \"USD\",\n  \"sellAmount\": \"100000.00\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Quotes_requestQuote_example
require 'uri'
require 'net/http'

url = URI("https://api.crisscross.money/v1/toc/quotes")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"sellCurrency\": \"ZAR\",\n  \"buyCurrency\": \"USD\",\n  \"sellAmount\": \"100000.00\"\n}"

response = http.request(request)
puts response.read_body
```

```java Quotes_requestQuote_example
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.crisscross.money/v1/toc/quotes")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"sellCurrency\": \"ZAR\",\n  \"buyCurrency\": \"USD\",\n  \"sellAmount\": \"100000.00\"\n}")
  .asString();
```

```php Quotes_requestQuote_example
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.crisscross.money/v1/toc/quotes', [
  'body' => '{
  "sellCurrency": "ZAR",
  "buyCurrency": "USD",
  "sellAmount": "100000.00"
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp Quotes_requestQuote_example
using RestSharp;

var client = new RestClient("https://api.crisscross.money/v1/toc/quotes");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"sellCurrency\": \"ZAR\",\n  \"buyCurrency\": \"USD\",\n  \"sellAmount\": \"100000.00\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Quotes_requestQuote_example
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "sellCurrency": "ZAR",
  "buyCurrency": "USD",
  "sellAmount": "100000.00"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.crisscross.money/v1/toc/quotes")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```