Quote

Properties

Property	Type	Required	Description
`source`	object	Yes	Source amount and asset (fiat currency) you send
`destination`	object	Yes	Destination amount and asset (cryptocurrency) the customer receives
`fees`	Fees	Yes	Breakdown of network, MoonPay, and ecosystem fees
`wallet`	Wallet \| null	Yes	Wallet address where crypto will be sent. Null if not yet provided
`paymentMethod`	object \| null	Yes	Payment method used for this quote. Null if not specified
`expiresAt`	string (date-time)	Yes	ISO 8601 datetime when the quote expires
`executable`	boolean	Yes	Whether the quote can be executed
`feeBehavior`	string	Yes	Effective fee behavior, `inclusive` or `exclusive`. See Fee behavior.
`exchangeRate`	string	Yes	The rate used to convert between fiat and crypto, as the fiat value of one unit of crypto. Pairs with `exchangeRateType`.
`exchangeRateType`	string	Yes	Whether the exchange rate is `fixed` or `floating`. See Exchange rate type.
`signature`	string	Yes	Signature for mounting a payment frame
`paymentDisclosures`	array	No	Disclosure(s) to render for this transaction. Empty array means none required.
`challenge`	Challenge	No	A step the customer must complete before this quote can be executed. See Challenge.

Source / Destination

Both source and destination have the same structure:

Property	Type	Required	Description
`amount`	string	Yes	The amount as a string to preserve precision
`asset`	Asset	Yes	The currency or token

Fee behavior

feeBehavior describes how fees relate to source.amount when you request a quote by source.amount:

inclusive (default): the customer pays exactly source.amount, and fees are carved out of it.
exclusive: fees are added on top of source.amount. The full source.amount is converted, so the customer receives more crypto than the inclusive quote for the same input.

Set feeBehavior on the buy-quote request to choose the behavior. It applies only to source-amount quotes. When you quote by destination.amount, MoonPay ignores the request value and the quote is always fees-inclusive. The response always echoes the effective feeBehavior.

Exchange rate type

exchangeRateType tells you whether the quoted amount is final or an estimate, and pairs with the exchangeRate field:

fixed: the exchange rate is locked at quote time. Card and wallet methods (card, Apple Pay, Google Pay) return fixed, and the quoted amount is final.
floating: the exchange rate is an estimate confirmed when the payment settles. Bank transfers (SEPA) return floating.

When exchangeRateType is floating, render the estimated crypto amount with a tilde (for example, ~0.2345 BTC) and tell the customer the final amount is set when the transfer settles.

Bank transfers don’t support DeFi assets. If you request a bank-transfer quote (sepa) for a destination identified by caip19, the request fails with 400 and the message “Bank transfers are not supported for DeFi assets.” Offer a card or wallet payment method for these assets instead.

Challenge

challenge is present when the customer must complete a step before this quote can be executed. It arrives alongside executable: false. Mount the challenge frame at url, then request the quote again once the challenge resolves.

Property	Type	Required	Description
`kind`	string	Yes	How to resolve the challenge. Always `frame` today.
`url`	string	Yes	Fully-formed challenge frame URL. Render it directly. Do not construct, parse, or modify it.

{
  "executable": false,
  "challenge": {
    "kind": "frame",
    "url": "https://platform.moonpay.com/v2/challenge?challengeToken=eyJhbGciOiJFUzI1NiIs..."
  }
}

Guest checkout limit upgrades are the one flow that returns challenge on a quote today. See Upgrade a guest account.

Using the Quote

Pass the signature to the payment frame when you mount it. The frame uses this signature along with the quote data to execute the payment and create the transaction.

Quotes expire. Check expiresAt and create the transaction before this time. If executable is false, the customer must provide additional information before you can use this quote. When the quote also carries a challenge, that object tells you what to render to collect it.

Payment disclosures

Each item in paymentDisclosures identifies a specific piece of text you must render verbatim.

Property	Type	Description
`id`	string	Identifies a specific disclosure. See the ID table below.
`version`	string	Increments on any wording change. If you receive an unrecognised `version`, fall back to the most-conservative disclosure and log an alert so your integration team can update the copy.

Disclosure IDs

ID	Description
`us-transaction-finality`	Required in NY and WA (NYDFS / state money-transmitter rules). See disclosure copy.
`eea-crypto-asset-risk`	EEA standard crypto-asset risk disclosure (MiCA)
`eea-unregulated-stablecoin-risk`	EEA disclosure for non-MiCA-compliant stablecoins (USDT, DAI, PYUSD)
`gateway-token`	Required when buying a DeFi token via Gateway. See disclosure copy.

Example

{
  "source": {
    "amount": "100.00",
    "asset": {
      "code": "USD",
      "name": "US Dollar",
      "precision": 2
    }
  },
  "destination": {
    "amount": "0.0025",
    "asset": {
      "code": "ETH",
      "name": "Ethereum",
      "precision": 18
    }
  },
  "fees": {
    "network": {
      "amount": "2.50",
      "currencyCode": "USD"
    },
    "moonpay": {
      "amount": "3.99",
      "currencyCode": "USD"
    }
  },
  "wallet": {
    "address": "0x1234...abcd"
  },
  "paymentMethod": {
    "type": "apple_pay"
  },
  "expiresAt": "2026-01-29T14:35:50.000Z",
  "executable": true,
  "feeBehavior": "inclusive",
  "exchangeRate": "87523.17",
  "exchangeRateType": "fixed",
  "signature": "eyJhbGciOiJIUzI1NiIs...",
  "paymentDisclosures": [
    {
      "id": "eea-crypto-asset-risk",
      "version": "1"
    }
  ]
}

Documentation

Sessions

Customers

Payment Methods

Assets

Quotes

Transactions

Objects & Types

Properties

Source / Destination

Fee behavior

Exchange rate type

Challenge

Using the Quote

Payment disclosures

Disclosure IDs

Example

​Properties

​Source / Destination

​Fee behavior

​Exchange rate type

​Challenge

​Using the Quote

​Payment disclosures

​Disclosure IDs

​Example

Properties

Source / Destination

Fee behavior

Exchange rate type

Challenge

Using the Quote

Payment disclosures

Disclosure IDs

Example